If you are in Harbin, please go to Harbin Bank. Harbin Bank has all kinds of loan businesses specially designed for individual industrial and commercial households and small and medium-sized enterprises. Many local banks have subsidized risk loans supported by the government. You can consult your local bank.

Second, why do individual industrial and commercial households get good loans?

Good loans for individual industrial and commercial households are as follows:

1, high flexibility: individual industrial and commercial households are usually small in number and flexible in system, and can quickly adapt to market changes. This flexibility can make lending institutions more confident in their business capabilities.

2. Low cost: Compared with large enterprises, the cost of individual industrial and commercial households is relatively low, which makes it easier for them to maintain a good economic situation.

3. Good risk control: individual industrial and commercial households often control risks carefully in the course of business operation, so there is less loan insurance.

4. Simple operation and management: The operation and management of individual industrial and commercial households are relatively simple, unlike large enterprises, which have complex organizational structure and management to control their operation and financial situation well.

Third, how to market the inclusive loans of individual industrial and commercial households?

To open a corporate account in a bank and handle bank settlement products, such as POS machines and code scanning boxes, you can first accumulate credit lines through transaction flow, secondly apply for tax information according to law, and thirdly apply for a quick mortgage loan with qualified houses. Convenient and fast, with favorable interest rate, free of charge and interest, it can be borrowed and returned in one year.

Fourth, how do the bank's income, deposit, extension and Pratt & Whitney link marketing?

1. Clarify the objectives, measures and incentive policies of multi-dimensional incentives for customers, marketers and branch managers of each branch, so as to help branch customers expand. Strengthen the joint marketing of corporate banking department, inclusive finance banking department, settlement and network banking department of the municipal branch, control and supervise the branch's household expansion, and strengthen the implementation of household expansion measures. 2. Make good use of the platform to improve the timeliness and accuracy of public extension. With the help of the Industrial and Commercial Bureau's "Industrial and Commercial Registration Information Application Platform (Rongyituo)" platform, the bank makes full use of the "new enterprise customization" rule of the industrial and commercial registration information base to grasp the information trends of newly registered enterprises, timely convert customer information into customer resources, and improve the expansion rate of the information base; Give full play to the powerful role of the large fund monitoring platform in monitoring the flow of funds, marketing high-quality customers of other banks, improving the contribution of deposits and promoting the marketing of high-quality customers; Do a good job in the marketing and publicity services of the micro-financial service platform, actively promote the functions of opening an account by appointment, corporate communication, etc., and make the micro-financial service platform truly become the entrance for customers to open accounts in ICBC. 3. Improve the bundled marketing rate of partner products to new customers, and improve the coverage rate to all customers. Actively promote the subcontracting management of the company's non-loan customers and the full claim management of the company's non-loan customers with daily average financial assets of 1 10,000 yuan, and combine the performance appraisal of account managers with customer value mining to realize the closed-loop management of high-quality customers. 4. Build an excellent team and a first-class team that is good at marketing. The Bank strives to build a marketing team that understands customers, excels in products and knows how to market, strengthens the organizational role of account managers in customer marketing, product penetration and after-sales service, gives full play to the professional support role of product managers in product configuration, marketing skills and service support, and constantly improves the pairing assistance and linkage marketing mechanism between product managers and account managers. Improve the customer subcontracting management of outlets to public account managers, clarify the division of responsibilities, and improve the overall quality of the team. Incorporate new effective customers and net financial assets into product pricing assessment, and encourage product managers and account managers in customer maintenance, market expansion, customer financial assets management, and income generation from intermediary business.