With the economic development entering the new normal of structural adjustment and slowing growth, the demand for financial services by small and micro enterprises is gradually increasing. Bank of Ningbo insists on product and service innovation and tries its best to alleviate the "pain point" of financing for small and micro enterprises. Bank of Ningbo Beijing Branch launched the business of "quick review and quick loan" for small and micro enterprises, and provided time-limited services in all aspects, such as evaluation, approval, signing and lending, with real estate as collateral, to alleviate the financing difficulties of small and micro enterprises.

Pain point one: the financing process is complicated and the process is long.

Bank of Ningbo's "quick review and quick loan": as long as the enterprise has real estate mortgage, it can be approved within 1 day at the earliest, and the loan can be released within 3 days, which can meet the business capital demand of the enterprise more quickly.

Pain point 2 of enterprises: it is difficult to renew loans and the cost of lending is high.

Bank of Ningbo's "quick review and quick loan": As long as the enterprise has a good settlement, normal credit investigation and no overdue record of interest arrears, it can apply to Ningbo Bank for "refinancing" and automatically renew the loan without repaying the principal.

Enterprise pain point 3: short credit period and cumbersome loan renewal.

Bank of Ningbo's "quick review and quick loan": the maximum credit line is 6,543,800,000 yuan, with the longest validity period of 8 years. You can repay the loan with it, and you don't need to go through the mortgage or cancel the mortgage again.

Pain point 4: light assets and low utilization rate of collateral.

Bank of Ningbo's "quick review and quick loan": through supporting credit loans, the mortgage rate of high-quality customers can reach up to 100%.

Pain point 5: High financing cost.

Bank of Ningbo's "quick review and quick loan": only the loan interest needs to be paid, and there are no evaluation fees, insurance fees, line use fees and other fees.

The retail company department of Beijing Branch will also vigorously promote a series of products and services such as "tax loan link" and "tax refund loan" to strengthen, deepen and improve financial services for small and micro enterprises.

Among them, "tax loan" refers to the credit loan issued by Bank of Ningbo to enterprises or their actual operators according to the tax payment situation of small and medium-sized enterprises. At present, "tax loan" has been realized from offline to online, and corporate financing is more convenient.

"Tax Refund Loan" is a credit loan issued by Bank of Ningbo to export enterprises according to the amount of tax refund. The loan mode is diverse and flexible, the approval is standardized, and the account is issued quickly.

Under the guidance of the regulatory authorities, Bank of Ningbo is committed to alleviating the financing difficulties of small and micro enterprises, constantly optimizing innovative financing products, comprehensively improving service quality, and vigorously practicing the inclusive finance, which has won a good reputation in the fierce market competition. In 20 15, it was rated as "Advanced Unit of Financial Services for Small and Micro Enterprises in National Banking Financial Institutions" by CBRC.