Since its establishment in 2001, Minsheng Bank Jinan Branch has continued to deepen reform and transformation, focused on serving the national strategy, leveraged its own advantages, continuously strengthened service support for manufacturing, small and micro enterprises, green development, etc., and improved financial services in an all-round way The quality, efficiency and capability of the real economy development will boost the high-quality development of Shandong’s economy.
Multiple measures are taken to achieve precise and efficient financial support for the manufacturing industry
Manufacturing is the foundation and “chassis” of the real economy. As the bloodline of the real economy, the financial industry is responsible for supporting the manufacturing industry. .
In recent years, Minsheng Bank Jinan Branch has taken multiple measures to help the high-quality development and transformation and upgrading of the manufacturing industry, strengthening departmental coordination and asset promotion, and continuously improving the quality and efficiency of serving the real economy, and manufacturing loans have continued to grow. situation.
Shandong is a veritable manufacturing province. Among the 207 industrial categories, Shandong has 197, of which manufacturing accounts for 179. Among all 666 industrial sub-categories, Shandong has 526. How? Better leverage the advantages of the financial services manufacturing industry? Minsheng Bank Jinan Branch has launched a number of measures to continuously improve the comprehensive service capabilities of the manufacturing industry.
The bank firstly sorts out the existing business of customers, analyzes the real reasons for the loss of manufacturing customers in recent years, selects high-quality customers with relatively controllable risks, and strengthens support; secondly, seizes the old and new momentum of Shandong Province Transformation, “Top Ten” industry construction, as well as major projects and key engineering opportunities, adhere to planning first, formulate a comprehensive financial service plan of “one account, one policy” for key customers on the basis of special planning for major fields and key customer groups, and realize loan In addition, the bank has opened up green channels for loans in the manufacturing industry, optimized the approval process, improved approval efficiency, and increased support for manufacturing loans that are prioritized by credit policies under the premise of effectively controlling risks.
Focus on the needs of small and micro enterprises and escort the sustainable development of small and micro enterprises
Since its establishment 20 years ago, Minsheng Bank Jinan Branch has continued to gather the needs of small and micro enterprises and continuously explore the sustainable development model of small and micro finance , has always been committed to helping every small and micro enterprise realize its dreams with sincere, professional, efficient and high-quality services.
In 2022, the domestic epidemic will make a comeback. Due to the characteristics of small and micro enterprises in terms of operating years, business scale, and capital chain supply, under the impact of the epidemic, the overall performance of anti-risk capabilities is weak. Minsheng Bank Jinan Branch has taken active actions and acted proactively. Under the unified leadership and deployment of governments and regulatory authorities at all levels, it has always prioritized epidemic prevention and control and ensuring financial services, and continued to escort small and micro enterprises.
Actively implement measures to cut interest rates and reduce burdens. Interest rate reduction and burden reduction are the long-standing demands of small and micro enterprise customers. In order to effectively reduce the operating pressure of small and micro customers during the epidemic, Minsheng Bank Jinan Branch flexibly applied the relevant business policies of the head office, and carried out “small and micro red envelopes” in the form of deducting loan interest. Small and micro loans have activities to reduce fees and provide profits for loan users. “Small and Micro Red Envelopes” is an exclusive customized service launched by Minsheng Bank to reward small and micro customers. The fee reduction and profit-making activity plans to cover more than 1,400 target customers.
Precise docking should be continued. Jinan Branch of Minsheng Bank continued to widely promote the service of loan renewal without repayment of principal. By using newly issued loans to settle the loan principal of small and micro customers that are about to expire, it can avoid the “break” of corporate liquidity due to loan maturity. In the first two months of 2022 alone, Minsheng Bank Jinan Branch provided nearly 1,000 small and micro customers with loan renewal services without principal repayment, and the proportion of loan renewal without principal repayment in the bank’s small and micro loans has further increased.
Innovative products, easy access. The bank has established an online financial service guarantee system and launched rapid financing products such as “Cloud Quick Loan”, “Micro Loan” and “Value-Added Loan”, which effectively improved the convenience and availability of credit for small and micro customers. The ten-year loan business is vigorously promoted, and the repayment methods are flexible and diverse. Small and micro customers can make personalized choices according to their own business conditions, which effectively relieves the repayment pressure of customers and provides continuous and stable financial services for small and micro customers.
The mission is on the shoulders, and the original intention is like a rock. Minsheng Bank Jinan Branch will stick to the origin of finance, adhere to the corporate mission of “serving the public’s feelings and people’s livelihood”, continuously improve the quality and efficiency of financial services, and provide solid and powerful financial support for the steady development of the local real economy.