——China Construction Bank Guangzhou branch takes many measures to help enterprises

In order to alleviate the adverse impact of the epidemic on the production and development of enterprises, CCB Guangzhou branch closely followed the policy guidance, issued a series of accurate and effective measures to help enterprises in relief, actively provided comprehensive services for epidemic prevention and anti epidemic enterprises, small, medium and micro enterprises, ensured the continuous “stalling” of financial services, let the financial water flow smoothly through the industrial chain supply chain, spared no effort to relieve the difficulties of market players, overcome the difficulties with enterprises, and helped “six stabilities” and “six guarantees”.

Urgent needs first, anti epidemic enterprises do not wait for “loans”

“Mr. Huang, the 30 million yuan flow loan you applied for in our bank a few days ago has been approved!” Early that morning, president Huang of an auxiliary company received a call from the customer manager of Guangzhou Branch of China Construction Bank. “Great! Now we have no worries about production and transportation.” After many days of running in Dongguan and Shenzhen, president Huang’s heart is finally secure.

At the beginning of this year, the epidemic situation in Hong Kong deeply affected the hearts of the people in the mainland. Under the instruction of the central government to “give full assistance to Hong Kong”, all walks of life have extended a helping hand. As an enterprise integrating the production and transportation of disinfectant, the auxiliary company is not afraid of repeated outbreaks, and has sent the disinfectant to the Drainage Services Department of the Hong Kong Special Administrative Region for many times to help Hong Kong do a good job in epidemic prevention and control. Seeing the recent outbreaks in Dongguan, Shenzhen and Guangzhou, the company kept increasing production and sent batches of materials to the front line of anti epidemic in time.

Affected by the epidemic, the market potential of disinfection products is huge, but the price of raw materials rises. At the same time, under the dual influence of domestic power restriction policy and foreign situation, enterprises are facing financial pressure for production expansion and production increase. In response to the urgent needs of customers, Guangzhou Branch of China Construction Bank opened a green channel to apply for 30 million yuan flow loan for the enterprise, which not only timely alleviates the current capital turnover pressure of the enterprise, but also further stabilizes the future operation and expectation of the enterprise, so that the enterprise can survive, overcome difficulties and have a head. “After this fund is in place, we can not only buy new equipment and restore the ‘three shift system’, but also put into operation new technologies and reduce production costs. By that time, the annual production rate is estimated to reach 96% and the sales volume will double!” Imagine a more prosperous production scene in the future, Mr. Huang said excitedly.

In order to help win the war of prevention and control of the epidemic, CCB Guangzhou Branch opened a green channel, giving priority to urgent needs, allowing anti epidemic enterprises to wait for “loans” and allowing the financial water to flow smoothly through the industrial chain and supply chain.

Precise docking and continuous improvement of Inclusive Finance

“The gross profit of logistics itself is low. Especially in the past two years, local epidemic prevention and control are very strict, nucleic acid and protection are complete, and sometimes they are delayed because of repeated inspections or epidemics. The cost of this trip is much higher than when I asked you for a loan three years ago!” General manager Chen, the person in charge of a logistics company, told the customer manager of CCB Guangzhou branch about the current difficulties.

The real problem is far more than that. Most of the customers of the logistics are small and medium-sized enterprises. Rising costs, shrinking market, business obstruction, financing difficulties and even shutdown are the problems they are facing or about to face, which also directly leads to the company’s failure to receive customers’ payments in time, and the enterprise capital chain continues to be under pressure.

The freight logistics industry is connected with the people’s life at one end, which is related to the people’s livelihood and supply guarantee; One end is connected with enterprise production, which is related to economic development. In order to better help the enterprises affected by the epidemic, CCB Guangzhou Branch introduced measures such as increasing the credit line and renewing the loan without repayment of principal. At the same time, it launched the “five-day settlement” of mortgage fast loan, and especially opened a green channel. By increasing financial support and improving service efficiency, CCB Guangzhou Branch has effectively injected a “strong shot” into the stable expectation of enterprises.

It is reported that as of the end of March, the balance of inclusive loans of Guangzhou Branch of China Construction Bank was nearly 84 billion yuan, serving the development of 54000 small, medium and micro enterprises, an increase of 6.3 billion yuan over the beginning of the year. The growth of inclusive loans in the past three years was the first in the industry.

Green channel to ensure that financial services continue to “file”

Following the policy guidance, CCB Guangzhou Branch thoroughly implemented the requirements of epidemic prevention and control, actively took support measures for epidemic prevention and control financial services, and met the business needs of customers in an all-round way.

On April 15, CCB Guangzhou Branch received a letter of thanks. In the new round of epidemic in Guangzhou, Huabang building materials Co., Ltd. and Guangzhou Lanhe sub branch of China Construction Bank are located in the control area of Lanhe Town, Nansha District. In order to do a good job in epidemic prevention and control, both sides cannot operate normally, and the daily operation and settlement funds have been seriously affected. In order to ensure the normal settlement of customers’ bills, CCB Guangzhou Branch timely provided customers with inter-bank point deposit and withdrawal emergency green channel service to ensure the smooth operation of customers’ business. With the timely arrival of 850000 yuan bill funds on April 11, the capital pressure of Huabang building materials company has been relieved.

In addition, CCB Guangzhou Branch also actively innovated around Inclusive Finance, improved financing efficiency, reduced financing costs and effectively improved the effectiveness of serving the real economy through the inclusive loan compensation mechanism.

In order to meet the needs of customers, CCB Guangzhou branch follows the government’s policy guidance, actively supports the development of the real economy, stabilizes the service supply chain, and contributes financial strength to the fight against epidemic prevention and control through high-quality and efficient services.