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金融活水精准滴灌——建行湖北十堰分行“云税贷”为小微企业纾困解难
编辑:赵鼎 在该公司为资金问题一筹莫展之时,恰逢建行十堰分行组织开展小微企业"千企万户大走访"活动。9月 17日,建行十堰东城支行客户经理主动上门走访,送服务、送政策。详细了解该公司经营状况和资金难 题后,客户经理第一时间向该公司推荐了建行基于企业纳税信用打造的纯信用贷款产品——"云税贷", 并指导该公司财务人员通过"建行惠懂你"APP进行线上申请。 "云税贷"是建设银行依托"银税互动"机制,为诚信纳税的小微企业量身定制的全流程线上融资产品。该 产品打破传统贷款对抵押物的依赖,将企业的"纳税信用"转化为"融资资本"。"建行惠懂你"APP作为一 站式金融服务平台,让小微企业主可以随时随地享受到便捷体验,从申请到资金到账,整个流程仅用了 短短30分钟。无需任何纸质材料,也无需任何资产抵押,仅凭借企业良好的纳税和信用记录,信贷资金 便迅速抵达企业账户。 今年以来,建行十堰分行已为十堰市729家小微企业发放"云税贷"7.36亿元,"云税贷"贷款较年初新增 3348万元,有效缓解了小微企业的融资困难。下一步,建行十堰分行将继续坚守金融服务实体经济宗 旨,通过科技赋能和产品创新,将金融活水更精准、更高效地浇灌至小微企业, ...
建设银行内蒙古分行从三方面发力为信贷人员松绑减负
Nei Meng Gu Ri Bao· 2025-04-29 07:09
Core Viewpoint - The Inner Mongolia branch of China Construction Bank is actively implementing a no-repayment renewal loan policy to support private and small micro enterprises' financing needs from April 2024 to March 2025, facilitating 22,300 small micro enterprise clients with a total renewal loan amount of 15.049 billion yuan [2][3] Group 1: Policy Optimization - The bank has optimized three renewal loan products, including small business credit loans and mortgage quick loans, enhancing service efficiency and covering all types of clients [2] - The loan term has been adjusted from one year to a range of one to three years to better meet clients' operational cycle needs [2] - The continuous reduction in loan interest rates saves clients approximately 40 million yuan in interest expenses annually, effectively relieving the burden on credit personnel [2] Group 2: Customer Base Expansion - The renewal loan business has expanded from only small micro enterprise working capital loan clients to include small micro enterprise owners, individual businesses, and farmers' operational loans [2] - The bank will also provide renewal support for medium-sized enterprise working capital loans that are due before September 30, 2027, on par with small micro enterprises [2] Group 3: Renewal Processing Enhancement - Eligible clients can self-process renewal loans through the "CCB Hui Dong Ni" app, receiving renewal invitations 30 and 15 days before loan maturity [3] - For clients unable to process online, the bank will conduct further communication and follow-up through on-site investigations and negotiations for offline renewal [3] - Client managers will follow the entire renewal process to ensure that all eligible clients can renew their loans, meeting reasonable financing needs [3]
建设银行绥化分行全方位赋能小微企业成长
Group 1 - The core focus of the Construction Bank's Suifenhe branch is to serve small and micro enterprises, enhancing their development through improved settlement services [1] - Since the beginning of the year, the bank has added over 600 small and micro enterprise clients, implementing a green channel for account opening at 16 branches to expedite the process [1] - The bank provides full guidance for new small and micro enterprises during the account opening process, utilizing a combination of online and offline methods to streamline the experience [1][2] Group 2 - The Suifenhe branch has transitioned to a digital and intelligent service model, allowing 24/7 access to banking services through online platforms, thus improving operational efficiency [2] - The bank has developed a comprehensive settlement product system to address the frequent transaction needs of small and micro enterprises, ensuring quick fund transfers and effective risk management [3] - The bank completed account opening for a chain pharmacy and its 17 subsidiaries in just 2 days, showcasing its efficiency in providing merchant settlement and fund management services [3] Group 3 - The bank is leveraging big data analysis to enhance financial services for small and micro enterprises, having provided over 600 million yuan in credit and more than 400 million yuan in loans to over 860 businesses this year [4] - Future plans include using transaction data to offer precise credit support, thereby facilitating easier and more efficient financing channels for quality small and micro enterprises [4]
【好礼】年末送福季,至高650元微信立减金等您领
中国建设银行· 2024-12-05 06:37
测额体验礼 活动前已开立对公账户,但未签约贷款的小微企业及 个体工商户,在活动期间通过"建行惠懂你"APP 历史首次完成精准测额目有额度, 即可领取50元立减金。 新客支用礼 小微企业及个体工商户在活动期间,通过"建行惠懂你" APP历史首次签约并支用贷款,即可领取 100元立减金。 老窖支用礼 活动前签约过贷款产品的小微企业及个体工商户,在 活动期间通过"建行惠懂你"APP首次支用贷款, 即可领取100元立减金。 官立减金 中长期贷款专享礼 小微企业及个体工商户在活动期间,通过 "建行惠懂你"APP首次支用期限大于一年的 贷款,即可领取100元立减金。 言立减到 科创企业专享礼 科创企业在活动期间,通过"建行惠懂你"APP首次 支用贷款,即可领取100元立减金。 言立减3 绿色信贷专享礼 小微企业在活动期间,通过建行全渠道首次 支用绿色信贷,即可领取100元立减金。 0.99元起购36元支何立流金 船信我 惠懂尔 FETT FEAR 好礼享不停 50-100元 微信立减金 5050 礼 活动期间,小微企业及个体工商户参与测额、贷款支用、 开户、签约代发工资等,即有机会领取 50-100元微信立减金, 奖励可 ...