The so-called government loan business is a new financing method that banks directly issue loans to small and medium-sized enterprises applying for loans with the help of government procurement contracts obtained and provided by small and medium-sized enterprises on the basis of credit evaluation and credit review of government procurement, with an interest rate better than that of ordinary small and medium-sized enterprises loans. For small and medium-sized enterprises, loan business not only simplifies the financing approval process, but also reduces the financing cost. When a government procurement supplier applies for credit financing, if the financing amount does not exceed the amount of the government procurement contract, except the legal representative's guarantee, the SME supplier does not need to provide property mortgage or third-party guarantee, and does not attach any other forms of guarantee conditions, and the loan interest rate is much lower than the general loan interest rate. Government financing loans really reduce the financing cost and burden of enterprises, and truly reflect the concept of credit creating value.

Tips: The above explanations are for reference only.

Reply time: 2020- 12- 17. Please refer to the latest business changes announced by Ping An Bank in official website.

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