中信银行通过标准化产品实现小企业快速放贷

 Citic bank through a standardized product realization fast small business lending

Mr Liu and his wife, was founded in 2002 with a registered capital of 800000 yuan of packaging company, recently, long-term cooperation of a record company in urgent need of packaging batch records, but Mr. Liu working capital limited cannot move out of the extra capital stock, such as the record companies said not orders within a week, will cooperate with other advertising companies, and may affect the long-term cooperation.

Mr. Liu in Beijing have 1 house, want to through the mortgage property to apply for a loan from the bank, but several Banks have said, from mortgages to credit investigation and the mortgage registration fastest need two weeks time, beyond the time range.

After business friends, Mr Liu to citic bank financing application. Citic bank application to feedback the same day in Mr Liu, professional small business customer manager immediately with Mr. Liu to carry out field investigation, understand the company's main business is prominent to Mr Liu, operating in good condition, has accumulated many upstream and downstream partners for a long time, loan demand is reasonable, good personal qualities and Mr Liu, so soon to judge, choose to adopt citic "standardization of small business financial products" in the "small standard mortgage" for Mr. Liu to apply for a loan.

Through tabular fast investigation report, project and correct approvers double check form, in the report on the same day that the loan application is approved, only use a day time, coupled with professional small business customer manager actively supervise and implement the mortgage registration time, finally realizes the loan for four days.

Liu by citic bank "small standard mortgage" efficient, speed of examination and approval in time to get the loan and get the order, my excitement not only regrets "standardization of small business financial products" of China citic bank did "is simple and convenient and quick.

, Mr. Liu's "small standard mortgage" benefit is China citic bank "small business financial standardized seven products" specifically for small micro enterprise financing demand of a product. This products mainly focus on small micro enterprise management situation and the actual control of people's credit status, break traditional bank survey methods of examination and approval, maximally simplify the loan before the survey review procedures, using table type approval, the credit concern points shown in table, member of examination and approval in the form directly sign the approval opinions, so as to realize the efficiency of the fastest half working day can batch of loan, more adapted to small micro enterprise with "urgent" short frequency characteristics.