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陕西韩城:“应急转贷”为中小微企业解忧

来源: 南方日报网络版     时间: 2019年11月13日 22:22:24
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(原)(标)(题)(:陕)(西)(韩)(城)(:“应)(急)(转)(贷)(”为)(中)(小)(微)(企)(业)(解)(忧)(
今)(年)(春)(节)(前)(,陕)(西)(韩)(城)(市)(众)(瑞)(汽)(车)(销)(售)(公)(司)(成)(功)(利)(用)(应)(急)(转)(贷)(公)(司)(的)(500万)(元)(过)(桥)(资)(金)(,及)(时)(解)(决)(了)(韩)(城)(农)(商)(行)(的)(还)(贷)(资)(金)(敞)(口)(。“年)(末)(年)(初)(,正)(是)(汽)(车)(销)(售)(服)(务)(行)(业)(的)(经)(营)(高)(峰)(期)(。我)(们)(前)(段)(时)(间)(刚)(给)(厂)(商)(交)(付)(了)(汽)(车)(订)(购)(款)(,这)(不)(,又)(到)(了)(银)(行)(还)(款)(期)(限)(,公)(司)(短)(期)(资)(金)(回)(笼)(未)(到)(位)(,企)(业)(经)(营)(周)(期)(与)(银)(行)(还)(贷)(周)(期)(出)(现)(不)(匹)(配)(现)(象)(。幸)(亏)(应)(急)(转)(贷)(公)(司)(及)(时)(弥)(补)(了)(资)(金)(流)(断)(裂)(问)(题)(。申)(请)(流)(程)(简)(单)(快)(速)(,好)(用)(不)(贵)(,实)(在)(太)(给)(力)(了)(。”众)(瑞)(汽)(车)(销)(售)(公)(司)(负)(责)(人)(毋)(同)(霞)(说)(。
近)(年)(来)(,因)(受)(市)(场)(波)(动)(、生)(产)(周)(期)(延)(长)(、资)(金)(难)(回)(笼)(等)(多)(方)(因)(素)(制)(约)(,韩)(城)(市)(域)(中)(小)(微)(企)(业)(银)(行)(贷)(款)(难)(以)(按)(时)(归)(还)(。3年)(前)(,由)(陕)(西)(省)(金)(融)(办)(批)(准)(,韩)(城)(市)(设)(立)(了)(全)(省)(首)(家)(中)(小)(企)(业)(应)(急)(转)(贷)(服)(务)(公)(司)(,注)(册)(资)(本)(3亿)(元)(,为)(市)(域)(内)(中)(小)(微)(企)(业)(在)(金)(融)(机)(构)(流)(动)(资)(金)(贷)(款)(的)(周)(转)(提)(供)(应)(急)(转)(贷)(服)(务)(。按)(照)(有)(关)(规)(定)(,应)(急)(转)(贷)(使)(用)(要)(求)(企)(业)(有)(良)(好)(的)(发)(展)(前)(景)(、主)(营)(业)(务)(稳)(定)(、生)(产)(正)(常)(、财)(务)(状)(况)(较)(好)(、无)(不)(良)(信)(用)(记)(录)(和)(经)(济)(纠)(纷)(诉)(讼)(。同)(时)(,经)(贷)(款)(行)(审)(核)(,符)(合)(银)(行)(转)(贷)(条)(件)(,并)(能)(提)(供)(贷)(款)(行)(出)(具)(的)(企)(业)(贷)(款)(转)(贷)(承)(诺)(书)(,且)(贷)(款)(只)(能)(用)(于)(还)(贷)(,借)(款)(期)(限)(原)(则)(上)(不)(能)(超)(过)(两)(个)(月)(。
韩)(城)(市)(金)(太)(阳)(花)(椒)(油)(脂)(药)(料)(有)(限)(责)(任)(公)(司)(因)(开)(展)(技)(术)(创)(新)(、自)(主)(研)(发)(设)(备)(导)(致)(流)(动)(资)(金)(减)(少)(,归)(还)(银)(行)(贷)(款)(难)(度)(加)(大)(。该)(企)(业)(向)(应)(急)(转)(贷)(公)(司)(申)(请)(,当)(天)(就)(办)(理)(完)(所)(有)(的)(手)(续)(,缓)(解)(了)(企)(业)(资)(金)(链)(紧)(张)(困)(境)(,避)(免)(了)(由)(此)(可)(能)(引)(起)(的)(信)(贷)(资)(金)(违)(约)(风)(险)(。
在)(中)(小)(企)(业)(应)(急)(转)(贷)(服)(务)(公)(司)(发)(展)(壮)(大)(的)(过)(程)(中)(,人)(行)(韩)(城)(市)(支)(行)(制)(定)(下)(发)(了)(《关)(于)(加)(大)(金)(融)(支)(持)(力)(度)(助)(推)(韩)(城)(追)(赶)(超)(越)(的)(指)(导)(意)(见)(》《韩)(城)(市)(小)(微)(企)(业)(稳)(增)(长)(措)(施)(及)(市)(场)(主)(体)(培)(育)(方)(法)(》等)(多)(项)(指)(导)(意)(见)(。该)(行)(还)(协)(助)(市)(政)(府)(制)(定)(了)(《韩)(城)(市)(中)(小)(企)(业)(应)(急)(转)(贷)(服)(务)(机)(构)(奖)(励)(资)(金)(管)(理)(办)(法)(》,对)(全)(年)(累)(计)(转)(贷)(发)(生)(额)(达)(到)(3亿)(元)(的)(,给)(予)(基)(础)(奖)(励)(20万)(元)(;对)(当)(年)(累)(计)(转)(贷)(发)(生)(额)(在)(3亿)(元)(以)(上)(,每)(增)(加)(1亿)(元)(,奖)(励)(资)(金)(增)(加)(10万)(元)(。据)(了)(解)(,自)(业)(务)(开)(展)(以)(来)(,韩)(城)(市)(中)(小)(企)(业)(应)(急)(转)(贷)(服)(务)(公)(司)(已)(广)(泛)(与)(辖)(内)(各)(金)(融)(机)(构)(建)(立)(了)(良)(好)(的)(合)(作)(关)(系)(,并)(已)(在)(建)(筑)(、煤)(炭)(、化)(工)(等)(多)(项)(领)(域)(达)(成)(协)(议)(,有)(效)(缓)(解)(了)(各)(行)(业)(资)(金)(压)(力)(。据)(统)(计)(,自)(2015年)(11月)(份)(成)(立)(以)(来)(,韩)(城)(市)(中)(小)(企)(业)(应)(急)(转)(贷)(服)(务)(公)(司)(为)(中)(小)(微)(企)(业)(累)(计)(办)(理)(应)(急)(转)(贷)(业)(务)(195笔)(,累)(计)(转)(贷)(业)(务)(额)(7.0亿)(元)(;2017年)(末)(韩)(城)(全)(市)(不)(良)(贷)(款)(率)(0.88%,较)(年)(初)(下)(降)(了)(0.87个)(百)(分)(点)(。
“政)(府)(背)(景)(下)(的)(应)(急)(转)(贷)(公)(司)(为)(金)(融)(机)(构)(和)(企)(业)(发)(展)(编)(织)(了)(安)(全)(网)(,大)(大)(提)(振)(了)(辖)(内)(中)(小)(微)(企)(业)(发)(展)(的)(信)(心)(。同)(时)(也)(降)(低)(了)(企)(业)(的)(财)(务)(成)(本)(,有)(利)(于)(引)(导)(企)(业)(诚)(实)(守)(信)(和)(规)(范)(发)(展)(,促)(进)(了)(银)(企)(健)(康)(共)(赢)(发)(展)(,有)(效)(改)(善)(了)(区)(域)(金)(融)(生)(态)(环)(境)(建)(设)(。”韩)(城)(市)(政)(府)(相)(关)(人)(士)(表)(示)(。
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