The workflow and loan details of the unified loan platform for small and medium-sized enterprises of Guilin SME Service Center and China Development Bank.
I. Work flow
The service center (or guarantee company) recommends the project → the two parties go to the enterprise for field investigation (the enterprise provides relevant information according to the list) → the guarantee company agrees to guarantee and provides the investigation report (approved by the service center) →CDB project manager goes to the enterprise for field investigation →CDB Guangxi Branch for review (one week) → report to CDB Head Office for filing (one week) → sign the contract, and CDB opens an account and lends money (one week).
Second, the loan details
1.CDB granted credit to Guilin SME Service Center: 300 million yuan in the first half of the year (indicators used up) and 2 billion yuan in the second half of the year. The credit index of the service center (the unified loan platform for small and medium-sized enterprises) is used for loans to small and medium-sized enterprises, and CDB generally does not directly lend to enterprises.
2. At present, CDB only makes working capital loans, not project loans for the time being. The longest term of working capital loan is two years (and the guarantee company must guarantee for two years). Give enterprises a single loan amount of 2 million to 30 million yuan.
3.CDB loan interest rate is generally the benchmark interest rate, but this year, due to the credit shortage of other commercial banks, CDB is prepared to raise 65,438+00% as financial expenses (Nanning and Liuzhou have received it). At present, Guilin is actively communicating for the benchmark interest rate. However, import and export enterprises (which need loans from overseas subsidiaries and guarantees from domestic subsidiaries) can strive for the preferential interest rate of CDB loans and lower the benchmark interest rate.
4. At present, CDB's loans are mainly aimed at manufacturing SMEs. At present, the industries that explicitly do not lend are: real estate, commerce, hotels, entertainment and other industries.
5. For each loan, CDB signs loan contracts with Guilin SME Service Center and enterprises with funds, CDB signs guarantee contracts with guarantee companies, and guarantee companies sign mortgage contracts with enterprises with funds.
6. When 6.CDB examines and approves the payment of each fund for the project loan, it will only pay the enterprise customers after the guarantee company and Guilin SME Service Center sign and agree, and strictly monitor the earmarking of the project loan. The supervision of operating loan funds pays attention to both efficiency and capital safety. Supervision ensures that operating loans are strictly used for the normal production and operation activities of enterprises, and bank accounts are used to monitor the withdrawal of enterprise payment.
7. The service center opens an account in CDB branch. Enterprises may or may not open an account directly in CDB. Each loan is first credited to the service center account, and then transferred to the enterprise account by the service center on the same day. (Online bank transfer)
8. The first batch of loans of the unified loan platform * * * The loan amount of six enterprises is 58 million yuan, of which Guangxi small and medium-sized guarantee: Guilin Longfei Wire and Cable Co., Ltd. has a loan of 30 million yuan and Guilin Xianglong Wire and Cable Co., Ltd. has a loan of 20 million yuan; Guilin small and medium-sized guarantee; Guilin Jinheng Foundry Co., Ltd. has a loan of 8 million yuan.
Second, how to apply for CDB loan
The workflow and loan details of the unified loan platform for small and medium-sized enterprises of Guilin SME Service Center and China Development Bank 1. Workflow service center (or the contractor visits the enterprise on the spot (the enterprise provides relevant information according to the list) → the guarantee company agrees to guarantee and provide the inspection report (which will be passed by the service center later) →CDB project manager visits the enterprise on the spot → (one week) → report to CDB head office for filing (one week) → sign the contract. Open an account in CDB and lend money (for one week) II. Loan details 1. CDB granted credit to Guilin SME Service Center: in the first half of the year, the credit was 300 million yuan (the credit line was used up), and in the second half of the year, the credit line of the service center (the unified loan platform for SMEs) was used uniformly for industrial loans. CDB generally does not lend directly to enterprises. 2.CDB only makes working capital loans at present, not project loans for the time being, and the company that guarantees working capital loans must guarantee it for two years). Give enterprises a single loan amount of 2 million to 30 million yuan. 3.CDB loan interest rate is generally based on the benchmark. CDB is prepared to increase 65,438+00% as financial expenses (received from Nanning and Liuzhou). At present, the benchmark interest rate is adopted. However, import and export enterprises (which need loans from overseas subsidiaries and guarantees from domestic subsidiaries) can strive for quasi-interest rates. 4.CDB currently lends money to enterprises, and now it is obvious that industries and entertainment industries do not lend money. 5. For each loan, CDB has signed loan contracts with Guilin and enterprises with funds. When the country, the guarantee company and the enterprise with money sign the loan payment approval, CDB will pay the enterprise only after the service center both sign and agree. The supervision of operating loan funds pays attention to both efficiency and capital safety. Supervision ensures that operating loans are strictly used for the normal production and operation activities of enterprises, and bank accounts are used to monitor the withdrawal of enterprise payment. 7. The service center does not need to open an account in CDB, Guangxi. Each loan is first credited to the service center account, and then transferred to the bank by the service center on the same day. 8. The first batch of loans of the unified lending platform * * * The loan amount of six enterprises is 58 million yuan, the loan amount of Lin Wire and Cable Co., Ltd. is 30 million yuan, and the loan amount of Guilin Xianglong Wire and Cable Co., Ltd. is 20 million yuan; Guilin small and medium-sized guarantee 8 million yuan.
3. What does 3.CDB loan mean?
Refers to the meaning of the loan instruction that has been handed over to the China Development Bank.
4. How to apply for CDB loan?
(1) The national student loan is managed by the annual application of students and the annual examination and approval of the handling bank. According to the student's application, the handling bank specifically determines the term of each loan.
(2) The handling bank is responsible for determining the specific amount of the national student loan, in which: the amount used for tuition fees shall not exceed the tuition fees charged by the borrower's school; The maximum amount used for living expenses shall not exceed the basic living expenses standard of the school area.
(3) Students applying for national student loans must have a guarantee recognized by the handling bank, and the guarantor shall conclude a guarantee contract with the handling bank.
(4) Students who are really unable to provide guarantee and have particularly difficult family finances can apply for loans for poor students. Loans for poor students are proposed by the school, reported to the superior student loan management center for approval, and the handling bank handles the loan procedures according to relevant regulations.
The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of colleges and universities in China and increase the financial aid for poor students in colleges and universities under the conditions of socialist market economy.
The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation.
On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. 2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government.