Credit granting refers to the related economic activities such as commercial banks providing funds to customers of non-financial institutions. The credit provided by CDB is a special loan, which is mainly used to support basic research and original innovation and help implement strategic scientific plans and scientific projects. Support the deep integration of Industry-University-Research and build a unified, open and competitive collaborative innovation network in Industry-University-Research; Support the transformation and industrialization of scientific and technological achievements and enhance the innovation ability of enterprises.
According to reports, CDB will implement differentiated credit policies for special loans to improve the quality and efficiency of financial services and help reduce the financing cost of technological innovation. At the same time, do a good job in credit evaluation, strictly issue payments, strengthen post-loan management, ensure financial support for the healthy and sustainable development of scientific and technological innovation, and keep the bottom line of no systemic risks.
Second, how to operate CDB loan extension?
The workflow and loan details of the unified loan platform for SMEs of China Development Bank in Guilin SME Service Center 1. Projects recommended by the workflow service center (or guarantee company) → On-the-spot investigation by both parties to the enterprise (the enterprise provides relevant information according to the list) → The guarantee company agrees to guarantee and provide the investigation report (approved by the service center) → On-the-spot investigation by CDB project manager to the enterprise → Audit by CDB Guangxi Branch (one week) → Report to CDB Head Office for filing (one week) → Sign the contract. 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.
3. What is the specific meaning of credit granting?
Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and non-use. Simply put, credit extension refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties.
Reply time: 202 1-04-30. Please refer to the latest business changes announced by Ping An Bank in official website.
[I know Ping An Bank] Want to know more? Come and watch I Know Ping An Bank ~
/paim/iknow/index.html
4. What is the meaning of 4.CDB's three-in-one loan?
Unified credit, unified loan and unified repayment. Mode, that is, through "unified credit and unified payment" to undertake CDB's shed reform loan. In order to standardize fund management and innovate logistics investment and financing management mode.