Wait, Xi' an?
Second, the main measures to stabilize credit?
First, expand the total amount of credit.
Guide financial institutions to increase credit supply. Hold financial work dispatch meetings for many times to exchange information, guide financial institutions to increase credit supply, and help enterprises resume production and economic development.
Second, broaden direct financing channels.
Actively launch bond market financing tools to serve the financing needs of enterprises and accelerate the direct financing and issuance of enterprises such as county and state companies.
Third, prevent and resolve local financial risks.
Combine the prevention and resolution of local financial risks with the special struggle to eliminate evils and prevent illegal fund-raising in the financial field, and take multiple measures to optimize the financial ecological environment.
Fourth, continue to strengthen financial support.
More "make a fuss about finance to help enterprises make real moves again." The policy advocates "more dry goods". Set up a policy propaganda group, go to the Economic Development Zone and other places to carry out policy propaganda, preach provincial and municipal financial policies to enterprises, and explain special refinancing in simple terms with examples and PPT.
3. What are the advantages and disadvantages of bank loans?
Advantages of enterprises lending to banks:
1 tool, bank loans are the lowest cost, and the interest rate of bank loans should be determined according to the specific situation. Generally speaking, the interest rate is higher than the preferential interest rate of small business loans; The loan interest rate of enterprises with low credit rating can be higher than; The medium and long-term loan interest rate is high, and the bank loan interest rate still has a comparative advantage.
2. The source of funds is stable. Due to the strength of the bank, sufficient funds, capital application, as long as it passes the bank's audit, signs a loan contract with the bank, and the loan is satisfactory, it can provide funds to the enterprise in time to meet the financing needs of the enterprise. Disadvantages of enterprises lending to banks: high threshold for bank loans. In order to control the loan risk, banks often require high qualifications, credibility and growth of enterprises. Moreover, most banks do not have enough collateral as collateral, so it is difficult for small and medium-sized enterprises to obtain loans from banks.
What are the advantages and disadvantages of bank loans?
The advantage of bank loan is that the interest rate is low and there is no upfront cost. The disadvantage is that the application conditions are strict and it is not easy to borrow money.