A good business environment is the soft power of high-quality urban development and the key factor to stimulate the vitality of market players. There is no end to the first-class business environment, only a continuous new starting point. From 1.0 to 6.0 this year, Qingyang District's policy of optimizing the business environment has always been fundamentally oriented to the needs of enterprises and continuously optimized with higher standards.
Providing accurate and efficient services, the ecology of the cultural and creative industry thrives in Qingyang; a salon with a cup of coffee realizes the "two-way travel" of government and enterprises; the first grassroots financial court in the western region provides a solid legal guarantee for the development of the financial industry; the scale of lending reaches 9.29 billion yuan, and the "Rongyi Loan" solves the financing difficulties of small and micro enterprises...... We will make every effort to create a market-oriented, legalized, internationalized, friendliest, and most convenient first-class business environment, and strive to solve the pain points and difficulties on the road to development for every enterprise.
Recently, Qingyang Financial Media has launched a series of special reports on "Exploring the 'Optimal Solution' of Qingyang Business Environment", which will explore the "optimal solution" of Qingyang business environment from four dimensions: the efficient pace of precise services, the sound mechanism of government-enterprise communication, the solid power of financial security, and the first-class environment escorted by the rule of law.
After the information was handed in, the loan of 5 million yuan was received in more than one month, and the interest discount of 14,500 yuan was also obtained. A few days ago, Chengdu Shaocheng Ingenuity Cultural and Creative Co., Ltd. applied for a loan through the "Rongyi Loan" platform, like a timely rain, with the rapid landing of the loan, the company's current liquidity problem has been successfully solved.
"Liquidity is crucial for the development of every business. According to Pan Yue, the company's chief financial officer, in order to alleviate the shortage of liquidity in the development of enterprises, the company applied for a loan from the Bank of Chengdu as a white-listed enterprise of "Rongyi Loan" in Chengdu's leading industrial chain of cultural tourism. "I didn't expect the 'Rongyi Loan' to lend so quickly, which successfully solved our urgent needs, and there were also policy support and preferential policies such as interest discounts and interest supplements, which can better support the healthy development of our enterprise. ”
Solve the financing difficulties of small and micro enterprises
The scale of lending reached 9.29 billion yuan
Chengdu Shaocheng Ingenuity Cultural and Creative Co., Ltd. has obtained credit support through "Rongyi Loan", which is a microcosm of the improvement of the sense of gain of many small and medium-sized enterprises in Chengdu. The reporter learned that in 2020, Chengdu officially launched the "Rongyi Loan" inclusive credit project, which was funded by the government to set up a risk compensation fund pool, and the government took the lead in integrating resources from all parties to establish a "Rongyi Loan" whitelist enterprise library, accurately solving the problem of "difficult financing, expensive financing, and slow financing" for small, medium and micro enterprises, and further strengthening the financial support for the development of small and medium-sized enterprises.
Behind the rapid financing of enterprises, it is not only the value orientation of "Rongyi Loan" to help enterprises benefit enterprises, but also the implementation of the "Rongyi Loan" financial service center to further promote the work of "Rongyi Loan", so that each market entity can "take root" in the fertile economic soil and help them "flourish".
"In the process of development, it is inevitable that enterprises will encounter a shortage of funds. Chen Hong, deputy director of the "Rongyi Loan" Financial Service Center in Qingyang District, said that in general, large enterprises are more likely to obtain support from financial institutions due to their strong financial strength and brand influence, and their demand for inclusive credit policies is relatively low. Micro, small and medium-sized enterprises, especially those in the start-up or growth stage, may pay more attention to inclusive credit policies due to difficult and expensive financing.
"Because of the backing of the financial risk capital pool, 'Rongyi Loan' can take unsecured credit loans, which means that micro, small and medium-sized enterprises can achieve financing even if they have no collateral. Chen Hong said that this is also the reason why "Rong Yi Loan" is favored among small and micro enterprises.
This favor has not only significantly expanded the credit scale of "Rongyi Loan" in the implementation process, but also made the results of "Rongyi Loan" very eye-catching. As of January 2024, "Rongyi Loan" in Qingyang District has helped 4,161 small, medium and micro enterprises to obtain 12,811 loans, with a loan scale of 9.29 billion yuan. Qingyang District has also won the honor of advanced district (city) and county in the promotion of "Rongyi Loan".
Precise matching of supply and demand
Fully consider the actual situation of the enterprise
As a government inclusive credit project, the reason why "Rongyi Loan" can be quickly implemented and effective is not only due to the innovation of the model, but also because of the "fineness" of the policy.
According to Chen Hong, "Rongyi Loan" involves the financing demand side, the financing supply side and the public service side. In Qingyang District, in addition to the "Rongyi Loan" financial service center, streets, departments and communities are all part of the "public service side", which take the initiative to keep abreast of the production and operation situation and financing needs of enterprises, and provide "accurate portraits" of enterprise needs, so as to provide accurate services in a timely manner. At the same time, the government is also actively docking, striving for more financial institutions to enter the "plate" of Rongyi Loan, guiding the development of more financial products that meet the needs of enterprises, and accurately matching and matching supply and demand.
The reporter learned that "Rongyi Loan" has not only established a whitelist enterprise library, including enterprises or innovative small, medium and micro enterprises in key industrial fields of the country, provinces and cities, giving priority to meeting financing needs, but also fully considering the fit of the actual needs of enterprises in terms of loan amount, interest rate, and repayment method.
In terms of interest rate, the inclusive credit policy usually sets a more favorable interest rate to reduce the financing cost of enterprises, and in terms of interest discount, the government will reduce the loan interest rate of enterprises by discounting interest and lowering the benchmark interest rate, so as to reduce the financial burden of enterprises.
The all-round, hand-in-hand service enables the government and institutions to continuously tap the financing potential of enterprises, and the coverage of financial "living water" is further expanded.
"Online + Offline" service
The review only takes 1 working day
It is worth mentioning that "Rongyi Loan" has further broken down the supply and demand barriers between small and micro enterprises and financial institutions through "online + offline" operations and services.
Offline, the "Rongyi Loan" financing service center is equipped with financing service specialists to provide one-stop financing services such as pre-loan consultation, loan follow-up, and post-loan management for small, medium and micro enterprises. Online, the whole process online service model of "Rongyi Loan" has been created, and the real-time declaration, automatic review and timely approval of "Rongyi Loan" can be realized through the online integrated management platform, and the application review time only takes 1 working day.
"The inclusive credit policy not only provides financial support, but also hopes to encourage enterprises to carry out technological innovation and industrial upgrading through preferential interest rates and flexible repayment methods. Chen Hong said that she hopes that more enterprises will pay attention to the government's inclusive credit policy and make full use of these policy resources to achieve the development goals of enterprises. At the same time, on the basis of supporting the daily operation of enterprises and expanding the scale of production, it will promote the transformation of enterprises to a higher value-added, greener and more sustainable production model, so as to promote the optimization and upgrading of the entire economic structure.
"In the next step, we will more actively carry out the industry-finance docking action, get closer to the actual needs of enterprises, comprehensively improve the convenience, availability and inclusiveness of financing for small, medium and micro enterprises, further enhance the ability to provide financial services to the real economy, and contribute to the high-quality economic development of Qingyang District. Chen Hong said.