CCB Xianning Branch innovates and improves financial products to support the development of technology enterprises

　　Xianning Net News Correspondent Chen Maoyang reported: "Thank you so much, I didn't expect to be able to get a loan, you've really helped us out." After receiving the 5 million yuan "Shanxin Loan," the general manager of Hubei Huater Purification Technology Co., Ltd., excitedly said to the customer manager of the Chibi branch of the Construction Bank Xianning branch.

　　Hubei Huater Purification Technology Co., Ltd. is a provincial-level high-tech enterprise in Chibi City, mainly engaged in the development, production, and sales of desulfurization agent particles. Earlier, the company applied for a loan from a local bank due to production and operation needs, but due to delayed payment collection, it failed to repay the loan in time, and the credit asset risk classification in the bank's system was adjusted to the attention level, resulting in the inability to obtain loans from other banks.

　　With a try-it-out mentality, the general manager of Hubei Huater Purification Technology Co., Ltd. came to the Chibi branch of the Construction Bank Xianning branch. After learning about the customer's financing needs and practical problems, the Chibi branch was determined to help the customer solve the financing bottleneck. In the following months, the Chibi branch repeatedly invited the customer to go to the bank where the company previously obtained a loan to discuss solutions, reviewed the company's historical loan information one by one, and checked the agreed repayment agreement.

　　The Chibi branch keenly discovered that, according to the relevant provisions of credit management, the company could reasonably raise objections to the loan being classified as attention due to reasons beyond its control. This plan was ultimately accepted by both parties, and the attention level was cancelled and adjusted to normal.

　　After the company's credit rating returned to normal, the Chibi branch immediately provided the company with a "Shanxin Loan" tailored to its technological attributes. In less than a week, it successfully issued a 5 million yuan technology loan to the customer, greatly solving the customer's financing needs and meeting the company's actual needs.

　　Currently, Hubei Huater Purification Technology Co., Ltd. is vigorously carrying out the construction of its third factory building. The scale has expanded, the company's enthusiasm is high, and the momentum of development is becoming stronger and stronger.

　　Since the beginning of this year, the Construction Bank Xianning branch has started with the "key small matters" that concern the public, using technological finance as an entry point, continuously innovating and improving financial products and services, comprehensively improving the quality and efficiency of technological financial services, helping to solve the pain points of social and economic development, and actively creating a new "model room" for technological finance. As of now, the bank's technological finance loan balance is 594.83 million yuan, an increase of 87.74 million yuan from the beginning of the year.