Core Points - The impact of Typhoon "Jianyu" has severely disrupted the operations and financial plans of businesses in Hainan, prompting a swift response from Hainan Rural Commercial Bank to support disaster recovery efforts [1] - Hainan Rural Commercial Bank has introduced five measures to assist affected businesses and individuals in regions such as Sanya, Lingshui, Baoting, and Ledong [1] Group 1: Disaster Relief Loan Products - A specialized disaster relief loan product named "Disaster Support Loan" has been launched, with a maximum loan amount of 10 million yuan, aimed at supporting severely affected agricultural and tourism sectors [2] - For severely impacted businesses and farmers lacking collateral, the bank will increase the issuance of credit guarantee loans, and existing clients can receive up to 20% of their original loan amount as credit loans, capped at 1 million yuan [2] Group 2: Infrastructure and Key Areas Financing - The bank is focusing on financing needs for infrastructure repair and reconstruction, including essential services like transportation, food production, and municipal facilities, by enhancing support for small and micro loans [2] - Quick processing and approval of loans will be prioritized to assist severely affected sectors such as tourism and agriculture in resuming operations [2] Group 3: Flexible Credit Policies - The bank will not withdraw or reduce loans for clients temporarily unable to resume operations due to the disaster, offering flexible repayment options to alleviate financial burdens [3] - Interest rate discounts will be provided for the "Disaster Support Loan," with rates potentially as low as 2.55%, and up to a 50 basis point reduction for severely affected clients in specific regions [3] Group 4: Efficient Loan Processing - A green channel for disaster relief loan processing has been established, with a dedicated service team to respond quickly to client financing needs, aiming to complete loan approvals within three working days [3]

如今，街道两旁的树木披上绿装，农民忙碌在田间地头，工人投身在各条生产线上……是金融活水 的滋润，让这片曾经被台风肆虐的土地重新焕发出盎然的生机。 海南省银行业金融机构积极响应金融管理部门号召，积极对接灾后重建各方的资金需求，主动上门 做好金融服务。国家开发银行海南省分行第一时间对接文昌航天城开发投资公司、海南旅游投资集团、 省水务集团等，加急审批授信，快速发放应急贷款2.38亿元。工商银行海南省分行第一时间给海南民生 管道燃气有限公司发放贷款2000万元，支持燃气抢修保供。农业银行海南省分行、交通银行海南省分 行、海南农商银行、海南银行等多家金融机构共设立专项救灾信贷额度近500亿元，充分满足灾区道 路、通信、水电燃气、市政设施、水利设施等与民生密切相关的基础设施修缮重建贷款需求，推出了房 屋修缮专属信贷产品、"救灾支持贷"以及"居民E贷"等系列专项信贷产品，确保救灾信贷资金"不断 供"。灾情发生以来，全省银行机构累计授信2.26万户，授信金额644亿元，完成贷款投放562亿元。 "台风吹毁了厂房，但吹不毁我们恢复生产的信心。"受台风影响，海南某食品股份有限公司厂房屋 顶、围墙及养殖设备受损，工厂停工、停水、 ...