Enterprises can renew their loans with new loans and settle the original loans.
It was learned from the press conference held by Hebei Banking Regulatory Bureau on July 23rd that a few days ago, the Bureau issued the first "Guiding Opinions on Supporting Banking Financial Institutions to Continue the Loan Business of Small and Micro Enterprises" (hereinafter referred to as "Guiding Opinions"), which made it clear that eligible small and micro enterprises can use newly issued loans to settle their original loans, thus completely alleviating the pain of "loan repayment" of small and micro enterprises.
In the past, small and micro enterprises needed to renew their loans after they expired. Generally speaking, the principal and interest of the loans were paid off first, and then the banks continued to lend according to the business operation, debt ratio and credit of the business owners. The business of renewing loans for small and micro enterprises refers to the business of conducting loan investigation and review in advance according to the requirements of the innovative model of working capital loan service for small and micro enterprises of China Banking Regulatory Commission, for small and micro enterprises that still have financing needs and temporarily have financial difficulties after the expiry of working capital loans, and after their active application, according to the requirements of new loans. And for those who meet the requirements, sign a new loan contract before the original loan expires, and settle the original loan with the new loan.
The Guiding Opinions require that banking financial institutions in the province should abide by regulatory requirements when renewing loans, and should continue to abide by them while preventing and controlling operational risks. Small and micro enterprises applying for loan renewal should meet the following conditions: normal production and operation, sustainable operation ability and market prospects; Good credit status, positive, proactive and timely repayment of principal and interest, and no malicious arrears of interest and loans and bad records; The original loan funds are used in accordance with the loan contract, and there is no misappropriation; The investment and use of loans are in line with the national industrial policy, environmental protection policy and credit policy, and meet the policy requirements of the state and our province to reduce production capacity and control pollution; The period and amount of applying for loan extension shall not exceed the original loan contract.
The implementation of the loan extension policy has significantly reduced the financing cost of small and micro enterprises. According to the preliminary statistics of Hebei Banking Regulatory Bureau, as of the end of June, the loan balance of small and micro enterprises in the province was 44.869 billion yuan, and the accumulated loan renewal amount in the first half of the year was 65.438+07.262 billion yuan. Roughly estimated, at least for small and micro enterprises to reduce the cost of "reverse loans" by more than 654.38 billion yuan.