Large bank loans.
Daxinganling Rural Commercial Bank Co., Ltd. is an extremely fast financial lending platform for users. Users can apply for loans quickly here, and the loan is fast, which can easily solve the financial problem for users.
Daxinganling Rural Commercial Bank Co., Ltd. was incorporated in the Administration for Industry and Commerce of Daxinganling District Administration Office of Heilongjiang Province on February 28, 20 10. The legal representative is Han Debin, whose business scope includes 1, absorbing public deposits; 2. Issue short-term, medium-term and long-term loans.
Second, Changshu Personal Loan◆→ Changshu Loan Company
Changshu Personal Loan ◆→ Changshu Loan Company
Three. Daxinganling Personal Loan◆→ Daxinganling Loan Company
Daxinganling Personal Loan◆→ Daxinganling Loan Company
4. What are the problems in financial support for individual industrial and commercial households?
First, the overall financing enthusiasm is insufficient, and the demand for development funds is insufficient. In recent two years, affected by the epidemic situation in COVID-19, individual industrial and commercial households tend to be conservative, and basically have no plans to expand their operations, and some even have business stagnation and relatively low credit demand.
Second, the information asymmetry between banks and families affects the loan. Individual industrial and commercial households are characterized by low, small, scattered, lack of standardized management awareness, flexible and diverse collection methods, frequent cash transactions, or mainly WeChat and Alipay, ignoring bank flow and low information transparency. It is difficult for banks to fully grasp the credit status of individual industrial and commercial households according to their operating conditions. It is impossible to make an accurate portrait of individual industrial and commercial households, which makes it difficult for banks to provide targeted financing services.
Third, the credit awareness is relatively weak, which increases the credit risk of banks. Affected by multiple factors, such as economic environment and local credit environment, the default cost is low, individual industrial and commercial households have a relatively low sense of integrity, and a large number of groups are concentrated in industries such as retail, catering, agricultural product production and processing, with low entry threshold, fierce competition and poor stability of business activities, which may close down at any time, further aggravating the credit risk of banks. During the epidemic period, the non-performing rate of small and micro businesses of banks within its jurisdiction increased sharply.
Fourth, the homogenization of financial innovation is serious and the service groups are limited. Although banking institutions continue to strengthen the innovation of financial products and services for individual industrial and commercial households, the homogenization is serious, mainly by launching online loan products. During the interview and investigation, many industrial and commercial households reported that the online commodity registration procedures were complicated, the experience was low, affected by customer qualifications, the number of applicants was limited and the pass rate was low.
Fifth, the lack of supporting policies affects the enthusiasm of financial institutions. Individual industrial and commercial households have weak strength, poor operating stability, few fixed assets and lack of effective collateral or qualified guarantors, while local government departments have few preferential policies for individual industrial and commercial households. Taking Daxing 'anling as an example, the government has not issued other special policies such as policy guarantees and financial interest subsidies, except for business guarantee loans. When banks provide financial services for this group, the risks cannot be dispersed, which greatly restricts the enthusiasm of banks for lending.