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<span>發布時間: 2021-07-09</span><span > 來源:國家融資擔?;?/span><span id="hitid"></span><span style="display:none;">發布人:</span> </p> </div> <div class="edit_con_original"><p style="text-align:justify;text-indent:2em;"> <br /> </p> <p style="text-align:justify;text-indent:2em;"> <span style="font-size:16px;font-family:SimSun;">近日,國家融資擔?;鹇摵蠂夜残庞眯畔⒅行?、中國郵政儲蓄銀行共同開發的公共資源“信易擔”首款試點產品——“工程企信擔”正式上線。截止2021年6月末,“工程企信擔”業務已落地316筆,累計規模達4.8億元,涉及安徽、四川、陜西、河南、浙江、江蘇等7個省份。據統計,在已落地的業務中,小微企業占比達90%,平均貸款利率4.7%,擔保費率1%,企業綜合融資成本僅5.7%,深受工程行業小微企業的好評。這是國家融資擔?;鹋c國家公共信用信息中心簽訂《關于加強業務協同 助力小微企業融資 支持實體經濟發展》戰略合作協議后,聯合銀行業金融機構開發的首款“信易擔”產品,打造了通過政府性融資擔保精準、定向扶持特定行業小微企業融資的范例。</span> </p> <p style="text-align:justify;text-indent:2em;"> <span style="font-size:16px;font-family:SimSun;"><br /> </span> </p> <p style="text-align:justify;text-indent:2em;"> <span style="font-size:16px;font-family:SimSun;">“工程企信擔”產品的特點是,只要有真實中標數據的工程類企業,都可以通過“信易貸”平臺在線提交貸款申請,實時審批,即刻可知授信額度。相比較傳統的“工程企信貸”業務,其優勢主要有:<strong>一是</strong>提升了客戶授信額度。將授信額度上限從信用模式的300萬元提升至500萬元。截至目前,工程企信擔戶均貸款金額較此前信用模式提升52萬元;<strong>二是</strong>規范了對客收費行為。銀擔雙方均不得違規對客戶收取利息、擔保費之外的其他費用,保證了客戶的合法權益;<strong>三是</strong>提高了服務效率。部分省份還實現了銀行及擔保公司審查審批環節的合二為一,簡化了貸款流程,極大的提升了客戶體驗。</span> </p> <p style="text-align:justify;text-indent:2em;"> <br /> </p></div> </div> <div class="mediaright"> <div class="mediartits"> <p class="xiangguan">相關新聞</p> </div> <div class="mediartits nosearch"> <p class="mediaryear"> 2021.07/20</p> <p class="mediarcent"> <a href="/content/details_22_890.html">?浙江、山西、福建等合作再擔保機構組織學習國家融資擔?;稹蛾P于加強政府性融資擔保業務風險管理意見》</a> </p> </div><div class="mediartits nosearch"> <p class="mediaryear"> 2021.07/09</p> <p class="mediarcent"> <a href="/content/details_22_887.html">?首款“信易擔”產品在郵儲銀行落地</a> </p> </div><div class="mediartits nosearch"> <p class="mediaryear"> 2021.07/08</p> <p class="mediarcent"> <a 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