One day of approval, one day of lending, no mortgage guarantee also got a loan

Source: Economic Daily - China Economic Network

One day of approval, one day of lending, the day after submitting the application materials, Shanghai Yangsheng Agricultural and Sideline Products Professional Cooperative received a credit loan of 5 million yuan issued by Shanghai Rural Commercial Bank. For cooperatives, it is rare to obtain a loan of 5 million yuan without collateral security, not to mention that the loan also implements a preferential loan interest rate that is better than the LPR in the same period. The reporter learned that at present, Shanghai Rural Commercial Bank has fully opened the green channel of credit, taken multiple measures at the same time, and fully supported the fight against the epidemic.

Open a green channel for credit to do a solid "backing"

Before the Spring Festival holiday, Shanghai Rural Commercial Bank asked branches throughout the jurisdiction to take the initiative to dock with the production and circulation enterprises of various medical supplies, protective supplies, in vitro diagnostic reagents, etc., to understand the needs of funds and other financial services. During the holiday, according to the requirements of Ensuring supply and stable prices of agricultural and sideline products in Shanghai, we gave full play to the advantages of the "three rural areas" business and extensively understood the needs of various agriculture-related enterprises and cooperatives.

Shanghai Yangsheng Agricultural and Sideline Products Professional Cooperative is the focus of this round of surveys, its production of agricultural and sideline products are mainly supplied to the online fresh platform, in the face of the current special situation, the cooperative temporarily recruited more than 70 local employees to work overtime to ensure adequate quantities. After learning that the cooperative has a financing need of 5 million yuan, the manager of Shanghai Rural Commercial Bank completed the collection of due diligence data and the preparation of the report on the same day, and on February 2, the bank completed the credit approval through an online emergency meeting, and on February 3, the credit loan of 5 million yuan was loaned to the cooperative account at a preferential interest rate.

In order to help the construction of the emergency waterproof and anti-seepage project of Wuhan Huoshenshan Hospital, in January, Shanghai Yingfan Engineering Materials Co., Ltd. accelerated the production of 2.0mm anti-seepage film for a total of 8 vehicles, which was urgently assembled and shipped on January 26. Previously, the 7.5 million yuan working capital loan issued by Shanghai Rural Commercial Bank for it timely and strongly supported the production and operation needs of enterprises.

According to Shanghai Rural Commercial Bank, in addition to continuing to follow up the financial needs of the above enterprises, the bank is also actively docking many medical devices, protective and disinfection supplies, agricultural and sideline products production and circulation enterprises, as long as it is related to the financial needs of epidemic prevention and control, it will implement the process from simple, data from simple and other fast approval policies.

Financial services, epidemic prevention and control "two hands"

The Spring Festival holiday is usually the peak business hour of Shanghai Rural Commercial Bank. In view of the special situation this year, the bank deployed in advance, requiring branches throughout the jurisdiction to do a good job of disinfection, cleaning and ventilation of external service financial tools such as business outlets, office space and atm every day, equipping external business outlets with protective equipment such as body temperature detectors, and employees of outlets wearing masks to work and monitoring body temperature regularly every day.

Recently, the Chengqiao Branch and Xinjing Branch under the jurisdiction of the Changning Branch of Shanghai Rural Commercial Bank have opened their doors one after another, and employees have arrived at their posts earlier than ever, and after completing the body temperature detection and network disinfection work, they wear masks and gloves to greet customers. "In special periods, we must wear masks and gloves for service, and customers are very understanding and supportive," said the person in charge of the outlet, although the mask covers the smiling faces of the staff, it will not block high-quality and professional financial services.

In the face of the epidemic, it is the responsibility of banks to meet the financial needs of society. In order to protect the health and safety of customers and employees, Shanghai Rural Commercial Bank timely adjusted the holiday business outlet arrangements, taking into account security on the basis of meeting the basic financial needs of customers, especially the financial service needs of suburban and middle-aged and elderly customers. The bank first issued an initiative to remind all customers who go to the outlets to handle business to wear masks, cooperate with body temperature detection when necessary, and suggest that qualified customers give priority to online and self-service channels to handle business, and through scientific and technological support, ensure that remote banks respond in a timely manner, and customer service calls are smooth and efficient.

The sales department of the Bank's Xuhui Sub-branch serves 15 hospitals and CDCs in the region, of which Dahua Hospital and Shanghai Eighth People's Hospital have been designated as designated hospitals for fever diagnosis. In order to properly complete the accounting and settlement work of these medical institutions and health supervisory institutions and effectively prevent the secondary spread of the virus, the Xuhui branch of the bank has formulated the collection workflow and operation standards for the special period. From the connection of collection time, to the comprehensive protection of the collection personnel, to the disinfection of the recovered cash and vouchers, the separate storage, etc., it not only responds to the financial needs of the medical unit in a timely manner, but also tries its best to ensure that all staff and coupons will not become the vector of virus transmission.

Take care of "small family", but also take care of "everyone"

For Shen Lijuan, an employee of the Xuhui branch of Shanghai Rural Commercial Bank, this Spring Festival has more worries. Her husband, a member of the second batch of medical teams in Shanghai, has rushed to the front line of the War of Resistance for a week, "very worried, but unconditional support!" As the head of the bank's accounting team, Shen Lijuan said that she would take care of her family and work well, so that her husband could rest assured that she would fight on the front line. After learning about the relevant situation, Shanghai Rural Commercial Bank learned about the needs of work and life from Shen Lijuan for the first time, and said that it would make work arrangements, reduce work pressure as much as possible, ensure that she has more energy to take care of her family, and let mr. Who is in the front line more at ease to work.

The G50 Shanghai-Chongqing Expressway is an important channel for foreign countries to enter Shanghai. In order to prevent and control the epidemic, Shanghai has launched epidemic prevention and control at the public security checkpoint at the border of Shanghai, all personnel entering Shanghai must be subject to temperature and identity information checks, and quarantine personnel at each crossing are working 24 hours a day, and the demand for volunteers has soared. Jin Zhengxun, Yu Linshi and Zhang Yuzhou, young employees of Shanghai Rural Commercial Bank, took the initiative to sign up and were on duty at the Fenhu crossing of the G50 Shanghai-Chongqing Expressway for many consecutive days, taking the temperature of returnees, checking their entry into Shanghai, etc., from 4 p.m. to 12 o'clock at night. "As a communist party member, I think it is very meaningful to play a little role in the critical period of epidemic prevention and control," said Kim Jong-hoon, a post-90s party member.

(Economic Daily reporter Qian Zhenyi)