Different from the traditional financial service products of large and medium-sized enterprises, the financial service products of small enterprises are characterized by standardized application procedures, simple handling procedures and fast approval procedures. This series of products will fully meet the fast and convenient business processing needs of small enterprises.
In terms of financing business, Shanghai Rural Commercial Bank has a special person to handle small businesses, the shortest processing time is 3 days (referring to the premise that the enterprise submits the information according to the regulations), and the maximum credit for a single customer is 6,543,800 yuan, and the longest financing period is 3 years.
Enterprises with normal production and operation, smooth product sales channels, guaranteed sources of repayment funds and able to provide corresponding collateral/pledge can apply to Shanghai Rural Commercial Bank according to their financing needs. Collaterals acceptable to Shanghai Rural Commercial Bank include commercial houses, commercial houses (shops), office buildings, legally transferred land use rights, factories, etc. The mortgage rate of initial mortgage can reach 70%. If it meets the relevant regulations of the bank, the mortgage interest rate can reach 85% in the second year and 100% in the third year. ; It can also be pledged by treasury bonds, certificates of deposit, bank bills, etc. At the same time, Shanghai Rural Commercial Bank also cooperates with China Economic and Technological Investment Guarantee Co., Ltd. Shanghai Branch to provide full or partial guarantee for small enterprises that cannot provide full mortgage. A bank acceptance bill is a bill issued by a customer (drawer), which entrusts our bank to unconditionally pay a certain amount to the payee or holder on a specified date.
Basic conditions for applying for acceptance
The applicant is an enterprise (legal person) or other economic organization approved and registered by the administrative department for industry and commerce (or competent authority), and has gone through the annual inspection procedures in the industrial and commercial or related departments;
Open a settlement account in a rural commercial bank;
Having a legal commodity trading background;
Have the ability to pay the due amount;
There is a certain percentage of deposit, and the rest is fully mortgaged, pledged or guaranteed by a third party.
Relevant provisions on bank acceptance bills
Amount, the amount of each draft shall not exceed RMB 6,543,800,000 Yuan only;
The term determined according to the professional contract shall not exceed 6 months at the longest;
The handling fee shall be charged at 0.5‰ of the accepted amount, and each sum less than 10 yuan shall be charged at 10 yuan.
Application of bank acceptance bill business
Fill in the Application for Acceptance of Bills of Exchange of Shanghai Rural Commercial Bank, and provide information according to the requirements of working capital loan.
Pay bank acceptance bill
The applicant for acceptance shall ensure that the account has sufficient funds before the bill expires. On the maturity date of the draft, China Merchants Bank will unconditionally deduct the draft from the account of the acceptance applicant. If the applicant's book amount is insufficient, the bank will deal with overdue loans.
Shanghai Rural Commercial Bank encourages and gives priority to issuing bank acceptance bills with full margin (or full legal deposit) as pledge. Entrusted loan refers to the loan that the client entrusts Shanghai Rural Commercial Bank to issue, supervise the use and help recover on behalf of its designated object or investment, designated purpose and scope, and fixed conditions (term, amount, interest rate, etc.). ).
Broaden the investment channels of customers' rich funds
Meet the borrower's capital needs
Customers can get a higher return on capital.
It is convenient for the group company to manage funds and adjust the surplus and deficiency of funds.
Pure intermediary business, banks do not bear the risk of fixed capital loan conditions.
In addition to the above working capital loan conditions, you must also have:
Technical transformation and infrastructure projects have been approved and included in national or local plans;
Obtain the building permit, investment permit, commencement permit or import approval from relevant departments;
After the project is completed and put into production, the supporting liquidity is basically implemented;
Self-raised funds shall not be less than 30% of the total investment.
Materials to be provided for applying for fixed assets loans
In addition to providing information according to the requirements of working capital loan, it is also necessary to provide:
Project feasibility report;
Approval documents and permits related to the project.
Characteristics of Fixed Assets Loans of Shanghai Rural Commercial Bank
In various currencies, you can apply for RMB and foreign currency loans;
The term is flexible, generally one to five years, and the longest is not more than ten years;
Give priority to supporting infrastructure industries such as transportation, energy, posts and telecommunications (962999)
The customer service center of Shanghai Rural Commercial Bank adopts international advanced computer communication technology, which integrates telephone voice, network, data and video. Through telephone, SMS, fax, e-mail and other channels, we provide customers with 24-hour all-weather modern financial services beyond time and space restrictions. Franchise and charging rights pledge loans, real estate development loans, highway investment and construction loans, land reserve loans, construction loans, housing construction loans, transportation loans.
Financing of small and medium-sized enterprises in a broad sense is also called finance, which is the financing of monetary funds and the behavior of the parties to raise or lend funds in the financial market through various means. Judging from the development of modern economy, as an enterprise, it is more necessary than ever to have a deeper understanding of financial knowledge, financial institutions and financial markets, because the development of enterprises cannot be separated from financial support, and enterprises must deal with them.
Functional features: small amount of funds, short term, various guarantee methods, and temporary and sudden capital demand.
In view of the characteristics of financing needs of small and medium-sized enterprises, Chengdu Rural Commercial Bank highlights the characteristics of "simplicity", "quickness" and "flexibility" in its loan business. At present, a unique business process and mechanism has been basically established to adapt to the financing of small and medium-sized enterprises, which has effectively solved the financing problems of some small and medium-sized enterprises in Chengdu.
Confirmed warehouse, trade chain financing, fast loans for small and medium-sized enterprises, warehouse receipt pledge, revolving credit line for small and medium-sized enterprises, joint loan and joint guarantee for small and medium-sized enterprises, and operating property mortgage loans.
Personal finance
Functional characteristics: personal property preservation and appreciation, various forms of capital demand, long financing cycle span.
Chengdu Rural Commercial Bank has developed 10 kinds of personal business products to meet the needs of personal consumption credit, commercial credit and personal property preservation and appreciation.
"Tianfu Steady Financial Management" series of financial products, "Tianfu Casual Loan", personal comprehensive consumption loans, personal production and operation loans, small credit loans for public officials, personal second-hand housing loans, small secured loans for laid-off workers, personal housing mortgage loans, student credit loans, and special loans for post-disaster urban housing reconstruction.
Rural finance
Functional features: agricultural projects have long loan term, slow capital turnover, great influence by natural conditions, and lack of mortgage guarantee. Farmers' micro-credit loans, farmers' joint guarantee loans and traditional mortgage loans.
Characteristic product
Syndicated interactive projects, loans for post-disaster rural housing reconstruction, loans for leading enterprises in agricultural industrialization, entrepreneurial loans for returning migrant workers, and rural property rights guarantee loans.
Note: Rural property rights secured loans refer to loans issued by guarantee companies to borrowers and loans secured by rural houses, collective construction land use rights (excluding homestead), rural land contractual management rights (rural land management rights) and collective forest rights legally owned by the mortgagor in Chengdu.
Bank card business and telephone banking service
Tianfu debit card
It integrates multiple accounts and multiple functions, and has the functions of cash deposit and withdrawal, transfer settlement, consumption payment and so on.
Service function:
Wide acceptance channels, Chengdu-Chongqing counter access, provincial and municipal counter access, one-card multi-child account, one-card multi-account account, agency business, migrant workers remittance business.
Tianfu credit card
Give the cardholder a certain credit line, within which the cardholder can handle cash deposit and withdrawal, transfer settlement, obtain goods and services from special merchants, and pay off accounts as agreed.
Service function:
Credit consumption highlights honor.
Cash in advance, flexible and convenient
By installment, everything is beautiful.
Double guarantee, safety and worry-free
Accumulate points to send big prizes.
SMS notification is safe and considerate.
Easy financial management, convenient repayment