Tax loans are loans provided by banks to individuals or enterprises for tax matters. In Hong Kong and other places, banks can lend 200% tax, and the interest rate is relatively low.

The bank launched "tax loan" products for small and micro enterprises with normal tax payment and good credit. Based on the tax credit records and actual tax payment of small and micro enterprises, this product provides up to 2 million unsecured pure credit loans. In addition to using tax credit guarantees for enterprises, some foreign banks have also introduced personal "tax loans" with lower loan interest rates to attract customers.

"Tax loan" is a new financing product launched by our bank. This way of using credit records of small enterprises as working capital support for production and operation adapts to the characteristics of "light assets and lack of collateral" for small and micro enterprises.

At present, the "tax loan" products launched by state-owned banks are mainly suitable for enterprises that have paid taxes of not less than 200,000 yuan in the past two years (two consecutive years). The enterprise provides relevant tax payment certificates, and after the loan is independently approved by the bank, it can get a credit loan of up to 2 million yuan without mortgage guarantee. If the tax payment record is good, after investigation and approval by the bank, the loan can be released within one week at the earliest. The relevant person in charge of the loan department of the state-owned bank company told the reporter that this month, the "tax loan" products were officially introduced to the new district market, and a number of enterprises interested in adopting the "tax loan" financing model have emerged at the airport economic zone promotion matchmaking meeting. Up to now, the bank has accepted applications from 23 small and micro enterprises and issued "tax loans" of 7.3 million yuan to 6 small and micro enterprises.