Since March, affected by the epidemic, enterprises in Cangzhou have stopped production in response to the government's anti epidemic policy. The capital turnover of small and micro enterprises has also become a pain point for many business owners. On the morning of the 31st, Industrial Bank Co.Ltd(601166) Cangzhou Branch Fuyang Avenue sub branch received a loan help call from the person in charge of Hebei chuangrui Machinery Technology Co., Ltd., saying that it was in urgent need of a working capital to pay the upstream payment. After hanging up the phone, the bank arranged the customer manager's door-to-door service for the first time and guided the customer to withdraw money by mobile phone. The payment was successfully paid in only three hours, which not only solved the urgent needs of the enterprise, but also realized the first landing of the bank's "contract loan" business in Hebei Province.
It is reported that "contract loan" is another small and micro enterprise online financing product launched by Industrial Bank Co.Ltd(601166) . The product builds an approval model based on enterprise tax related data, introduces the purchase contract information signed between suppliers and government procurement departments and key units of the cluster, and increases the collection of business receivables as a risk mitigation, realizes the collection of purchase contracts expected to be received by small and micro enterprises in the future before withdrawal, and provides small and micro enterprises with a high efficiency credit product of online application, real-time approval and online self-service withdrawal and repayment.
In recent years, Industrial Bank Co.Ltd(601166) Shijiazhuang branch has continued to sink its service focus, taking small and micro enterprises as the top priority of Inclusive Finance, strengthening scientific and technological empowerment, innovating digital business model through the deep integration of "Finance + technology", and continuously improving the supply quality and efficiency of small and micro finance. Since 2019, it has successively launched a series of online financing products for small and micro enterprises, such as "quick easy loan", "quick mortgage", "contract loan" and "e-ticket loan", Continuously improve and enrich the online financing product system of small and micro enterprises, and strive to solve the problem of "difficult and expensive financing" of small and micro enterprises. By the end of 2021, the bank had 1923 inclusive small and micro enterprise loan customers, with a loan balance of 2.512 billion yuan, an increase of 202.4% and 104.7% respectively over the beginning of the year, and the average loan interest rate decreased by 0.09 percentage points over the beginning of the year.
