The reporter learned that in order to fully support the fight against epidemic prevention and control and fully implement the “several policies and measures of Shanghai to fight the epidemic and help enterprises promote development”, Bank Of Shanghai Co.Ltd(601229) launched the action plan of Inclusive Finance to support epidemic prevention and control. Through the establishment of a special credit scale of 10 billion yuan in the first phase, innovative inclusive financial products and services, increasing fee reduction and profitability, 18 measures were taken to ensure the supply of Inclusive Finance and support the development of the real economy.
According to the action plan, Bank Of Shanghai Co.Ltd(601229) will set up a special credit line of 10 billion yuan in the first phase, which will be specially used for the epidemic prevention and control of small and micro enterprises in the city, and will be added at any time as needed. Including: the 5 billion Pratt & Whitney relief credit line, which provides credit capital support to retail, transportation, catering, wholesale markets, supermarket stores, e-commerce platforms, urban living material distribution and other guarantee enterprises, as well as anti epidemic material reserve and supply enterprises for enterprises greatly affected by the epidemic in Shanghai, so as to alleviate the capital turnover difficulties affected by the epidemic. 2 billion anti epidemic R & D credit plan, establish green approval channels for fast review and fast loan, increase financial support for scientific and innovative enterprises such as biomedicine, vigorously support the capital needs of scientific research and technological transformation of R & D enterprises such as covid-19 virus vaccine, drugs and diagnostic products, and provide a full process comprehensive financial service scheme. 1 billion inclusive people’s livelihood financial services to provide guaranteed financial services to enterprises and employees in the field of material support and production, material transportation, retail catering and other people’s livelihood during the epidemic. The 2 billion loan renewal without repayment of principal has been put into operation. For small and micro enterprises affected by the epidemic and experiencing temporary difficulties in Shanghai, they do not take out loans, continue to lend and pressure loans, flexibly use the loan renewal without repayment of principal and annual review system, realize seamless loan renewal, and fully support the resumption of work and production of small and micro enterprises.
In addition, Bank Of Shanghai Co.Ltd(601229) will also take the initiative to carry out credit repair and guarantee the rights and interests of credit investigation. For small and medium-sized enterprises and individuals affected by the epidemic, establish a green channel for credit investigation and repair, assist in credit investigation, adjustment and repair, and fully protect the credit investigation rights and interests of information subjects affected by the epidemic.
During the epidemic, many small and micro enterprises put forward higher requirements for Inclusive Finance Bank Of Shanghai Co.Ltd(601229) accelerate the launch of inclusive products, improve the level of financial services, and ensure the continuous improvement of financial services during the epidemic prevention and control period.
For example, subdivide small and micro customer groups and launch special products and services. For small and micro enterprises, manufacturing and other industrial enterprises that meet the retention tax rebate, launch the special product of “tax rebate easy loan”, with a maximum amount of 10 million yuan and a maximum period of 3 years, so as to meet the capital needs of enterprises during the epidemic; Provide credit loans to small and micro enterprises that are affected by the epidemic, such as catering, accommodation and housekeeping, by innovating order (accounts receivable) financing; For entrepreneurial organizations and individuals greatly affected by the epidemic, the loan based on entrepreneurial guarantee can be extended for up to one year to alleviate the financial pressure caused by the epidemic and loan maturity. For qualified tourism and class a tourist attractions, joint guarantee institutions will jointly increase special loan support for the tourism industry.
During the critical period of epidemic prevention and control, Bank Of Shanghai Co.Ltd(601229) continued to strengthen the implementation of the “five reductions” policy (reducing RMB transfer and remittance fees, reducing bank account service fees, reducing e-banking service fees, reducing payment account service fees, and reducing bank card swiping fees) in accordance with the principle of reducing as much as possible. For areas seriously affected by the epidemic, Bank Of Shanghai Co.Ltd(601229) actively promote the joint fee reduction and profit transfer with insurance, guarantee and other cooperative institutions, and help small, medium-sized and micro enterprises tide over the difficulties.
It is understood that since the end of September last year, Bank Of Shanghai Co.Ltd(601229) in accordance with the principle of reducing the fees as much as possible, has fully implemented the policies related to reducing the payment fees. Up to now, Bank Of Shanghai Co.Ltd(601229) has reduced the fees by 27.97 million yuan, benefiting 280000 small, medium and micro enterprises.
