Core Viewpoint - The article emphasizes the increasing challenges faced by companies in securing financing, particularly in the context of economic uncertainty and rising bankruptcy rates, urging businesses to proactively seek low-interest financing options aligned with government policies [1][5]. Financing Challenges - Since 2024, over 55,000 companies in China are expected to exit the market through judicial bankruptcy procedures, highlighting a significant financial strain on businesses [1]. - The primary reason for these closures is a lack of funds and difficulty in obtaining financing [1]. Financing Solutions - Companies are encouraged to stay informed about policies and choose financing products with low interest rates and guaranteed support [1]. - Standard Chartered Bank has introduced a nationwide corporate financing product with a maximum limit of 81 million, offering an annual interest rate of 3.6% [3][9]. Importance of Preemptive Financing - Businesses should engage in proactive financing planning to avoid last-minute scrambles for funds, ensuring they have sufficient capital for operations [5][6]. - A good financing product should not only have low rates and flexible terms but also be accessible for application [6]. Product Features - The Standard Chartered Bank financing product offers: - Annual interest rate of 3.6% - Loan amounts ranging from 1 million to 81 million - Flexible repayment terms of 36 to 60 months [9][13]. - The product has lenient requirements, including weak credit checks and no scrutiny of existing debt [10][13]. Application Process - The application process involves submitting necessary documents for initial review, with results available within two hours, followed by a more detailed submission for final approval [10]. - The entire loan disbursement process takes approximately 20-25 working days after approval [10].

Core Viewpoint - The article emphasizes the increasing challenges faced by companies in securing financing, particularly in the context of economic uncertainty and rising bankruptcy rates, urging businesses to proactively seek low-interest financing options aligned with government policies [1][5]. Group 1: Economic Context - Since 2025, the uncertainty surrounding tariffs has led to continuous downward revisions of economic growth forecasts by global economic organizations [1] - In 2024, over 55,000 companies are expected to exit the market through judicial bankruptcy procedures in China, highlighting a significant financial distress among businesses [1] Group 2: Financing Strategies - Companies should closely follow government policies and opt for financing products that offer low interest rates and security [1] - A proactive approach to financing is essential; businesses should prepare in advance to avoid last-minute struggles when funds are needed [5][6] Group 3: Financing Products - Standard Chartered Bank has introduced a nationwide corporate financing product with a maximum limit of 81 million, offering an annual interest rate of 3.6% [3][13] - The financing product is designed to address the cash flow challenges faced by companies, with flexible repayment options and a focus on various industries [6][10] Group 4: Product Features - The financing product allows for loan amounts ranging from 1 million to 81 million, with terms of 36 to 60 months and a flexible repayment method of interest-first [9][13] - The application process is streamlined, with a quick initial review and potential funding within 20-25 working days after approval [10]