The new round of epidemic in Guangzhou has had a great impact on people’s lives and economic and social development: business premises are suspended, nucleic acid testing is carried out for all staff, strict prevention and control is carried out at different levels… Everything has slowed down the pace and pace of Guangzhou, the “Millennium Business Capital”. Among them, the most affected are the small and micro enterprises that are highly dependent on the flow of people and tourists in all business districts of Yangcheng.

In the face of this sudden indiscriminate speed regulation, the support of small and micro enterprises in the business district for financial running water is becoming more and more urgent. As a joint-stock commercial bank rooted in major professional business circles and deeply cultivating small and micro businesses all year round, Minsheng Bank Guangzhou Branch has unswervingly shouldered its due responsibilities and responsibilities, successively issued a number of support measures to effectively solve the problems for the majority of small and micro business owners, relieve the difficulties for the majority of small and micro enterprises, and effectively implemented the work requirements of “six stabilities” and “six guarantees”.

“Epidemic” does not look back, reduce fees and make profits

Relief for small and micro enterprises

It is reported that under the unified deployment of the head office of Minsheng Bank, Guangzhou Branch comprehensively reduced the relevant expenses involved in the handling of financial business by small and micro enterprises, and effectively helped small and micro enterprises tide over the difficulties.

First, the fees for handling basic financial business of small and micro enterprises have been reduced and exempted to varying degrees, including the account opening handling fees involved in new account opening, corporate account management fees, enterprise online banking certificate fees, service fees, gifts ukey, daily bank account service fees, RMB transfer and remittance handling fees, e-banking service fees and other dozens of special fees.

Second, in order to ensure the normal operation of small and micro wholesale merchants during the epidemic, a series of preferential policies have been issued for customers in the business district: including simplifying the acceptance requirements of acquiring business, opening the online business acceptance process, and actively implementing the preferential treatment of handling fee points, which has effectively reduced the operation cost of small and micro merchants.

Third, reduce the financing cost of small and micro enterprises: for customers with repayment difficulties affected by the epidemic, help customers reduce the pressure of capital turnover by delaying the repayment of principal and interest and adjusting the repayment method; For customers who have temporarily overdue due to the epidemic, measures such as credit investigation protection and penalty interest reduction shall be taken; For customers affected by the epidemic, we will not only issue preferential interest rate loans, but also provide small and micro red envelopes to offset the loan interest.

Statistics show that in 10 days from April 8 to April 17 alone, Guangzhou Branch of Minsheng Bank issued 2.327 billion yuan of small and micro loans to 1197 small and micro businesses.

The “epidemic” line passes, and science and technology are enabled

Unblock the online channel of small and micro enterprise services

In the face of the sealing and control management requirements of epidemic prevention, Minsheng Bank Guangzhou Branch has successively launched online products including “cloud express loan”, “cloud enterprise loan”, “value-added loan” and “xinwangle loan” through product innovation and technology empowerment, so that customers can obtain financing services by relying on Internet channels, avoiding the pressure of epidemic prevention and control faced by offline business.

In addition, through the launch of online services such as remote face-to-face signing, self-service transfer and self-service payment, the branch has helped customers solve the problems of contactless contract signing, loan renewal and loan payment under the line, and relieved the worries of enterprise development.

For customers in the catering industry and education industry who are greatly affected by the epidemic, the branch also provides characteristic settlement services: providing high-quality, convenient and efficient acquiring services for catering merchants, helping small and micro enterprises speed up capital turnover and realize rapid return of funds; Through the school payment products, the zero contact and online payment of students’ parents are realized to ensure that the school can successfully complete the fee collection in the charging season.

Rush to fight the “epidemic” and take responsibility for the people’s livelihood

The most beautiful people’s voluntary service benefits people’s livelihood

Since the outbreak of the epidemic, Guangzhou Branch of Minsheng Bank has issued an anti epidemic proposal to all employees, calling on all Party members to play a pioneering and exemplary role, and encouraging employees to actively participate in anti epidemic volunteer work while ensuring financial services. Once the initiative was released, it received positive response from all employees of the bank. Party members, young employees and some middle-level managers responded one after another, took the initiative to perform their duties, instantly incarnated as “big white” and “big blue” to join the community volunteer service team, fought side by side with medical staff, jointly built a “protective wall” against the epidemic in the community, and actively practiced the social responsibility of Finance for the people with practical actions, Deliver the corporate mission of “serving the public and caring for the people’s livelihood”.

According to incomplete statistics, since this round of epidemic prevention and control work was carried out, Guangzhou Branch of Minsheng Bank has successively organized more than 10 “volunteer service commandos”, mobilized more than 50 party members, cadres, young employees and middle-level managers to incarnate “big white” and “big blue” in the name of individual or collective, and joined the volunteer service teams of epidemic prevention at all levels to fight side by side with medical staff, community workers and public security police.

The epidemic is not over yet, and people’s livelihood continues to help. Minsheng Bank Guangzhou Branch will continue to uphold the mission of “caring for the people’s livelihood and serving the public”, adhere to the concept of “customer-centered”, transfer the financial temperature with practical actions, and contribute to the people’s livelihood for Guangzhou to win the war of epidemic prevention and control.