The Nanchang Branch of Minsheng Bank actively deployed and worked out a plan at the first time, requiring the account manager to inform customers by telephone in time, conveying the attitude and determination of the People's Bank of China to actively support the development of Pratt & Whitney small and micro enterprises, and encouraging small and micro enterprise owners to establish confidence, overcome difficulties and regain their vitality as soon as possible. Small and micro enterprises do not need to apply for such interest relief. In the fourth quarter of 2022, Nanchang Branch of Minsheng Bank offered existing and newly-issued inclusive loans to small and micro enterprises, which were down 1% (annualized) on the basis of the original loan contract interest rate, and the returned interest was directly transferred to the customer's account in cash. At present, Nanchang Branch of Minsheng Bank has transferred 2 1.75 million yuan discount funds to eligible borrowers' accounts of small and micro enterprises, and has sent SMS to inform customers that the discount is successful.
Boss Liu, who is engaged in supermarket management, has cooperated with Minsheng Bank for many years. As soon as the policy came out, he received good news from the account manager of Nanchang Branch of Minsheng Bank. After learning that his loan interest has been cashed back to 16500 yuan, Liu was both excited and surprised: "I only thought that Minsheng Bank's small and micro loans were efficient and the procedures were simple, but this time it cashed back so much interest. I didn't expect that with such strong support, I have more confidence in development this year! " Boss Liu said that this year, he will continue to carry out in-depth business cooperation with Minsheng Bank in payroll and wealth management.
The implementation of the phased interest rate reduction policy for small and micro loans is the first time to directly return interest to small and micro businesses in cash. The average interest returned by Nanchang Branch of Minsheng Bank is about 333 1 yuan, and the highest customer even gets 10000 yuan, which greatly improves the financing satisfaction of small and micro enterprises and makes them feel the "real money and silver" support from the government, regulatory agencies and financial institutions.
In recent years, Nanchang Branch of Minsheng Bank has continuously increased its assistance to private enterprises and small and micro enterprises, and implemented the profit-making policy with practical actions by issuing small and micro red envelopes, promoting medium and long-term loans, adjusting repayment plans for enterprises seriously affected by the epidemic, delaying repayment of principal, and renewing loans without repayment of principal.
Lowering interest rates is a "real" profit, and escorting "helping" Xiao Wei. Nanchang Branch of Minsheng Bank will continue to give full play to the advantages of the benchmark of micro-financial services in the region, deepen the service in inclusive finance, solve the financing difficulties in the development of small and micro enterprises, and make every effort to build an exclusive bank for small and micro enterprises.