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Home > Corporate Business > Corporate Lending > Jinmi Medium And Long-Term Floating Loan
发布时间:2021-01-07
I. Definition of product
Jinmi Medium And Long-Term Floating Loan refers to the medium-term working capital loans issued by Guangzhou Rural Commercial Bank to eligible corporate credit extension clients with a maturity of 3-5 years (inclusive). During the duration of the loan, an annual review is conducted on the operations and risks of the credit extension client. The bank is entitled to decide to reduce the duration of the business based on the results of the annual review.
II. Scope of application
① Enterprises which have been established and continued to operate for more than 3 years with positive profit in the past 2 years and the registered place located in the districts where the Bank sets branches (Guangzhou, Zhuhai, Foshan, Zhaoqing, Heyuan and Qingyuan)
②Enterprises with normal operations and without legal disputes or lawsuits that have significantly affected the operation of the enterprise in the past 3 years;
③Well-known enterprises in the region or above; or enterprises cooperating with the Bank for more than 5 years; or high-quality clients recognized by the Bank.
III. Product features
Longer period: The period of a single receipt for a loan can be up to 5 years; loan for one time, worry-free for 5 years.
Larger limit: It meets the financial demands of medium- and long-term development plan of enterprises with wide range, and supports the long-term development of enterprises.
Convenient procedure: There are no annual review procedures with normal credit extension procedures, making it easy for enterprises to loan.
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