招行“年审贷” 助力小微企业发展
“切实解决小微企业的年审贷融资需求”一直是招商银行小微贷款产品迭代更新的源动力。长期以来,招行助力招商银行围绕“因您而变”的小微服务理念,从客户中来,企业到客户中去,发展贴近客户,年审贷了解市场,招行助力随着市场变化,小微不断更新各类贷款产品,企业以期向小微企业提供多方位、发展多渠道的年审贷融资方式,更好的招行助力服务于小微客户。
为此,小微招商银行推出了“抵押年审贷”,企业能够切实解决小微企业在发展过程中遇到的发展续贷问题,只要企业成立2年以上,具备主体资格、有固定经营场所,生产经营合法,股权关系清晰,负债适度,且未在多家银行融资,就可使用居住用房、办公用房、商业用房、标准工业厂房进行抵押,最高能够获得1500万可循环使用的贷款额度。
“年审贷”最长可持续三个融资年度,一年一审,单笔用款期限最长1年。每个融资年度额度到期前,招行将对借款人开展授信调查和评审,年审通过后,企业可以用新发放的贷款偿还旧的到期贷款,为企业实现了无还本续贷,大大降低了小微企业的资金压力。
未来,招商银行将始终以客户为中心,持续创新,与时俱进的为客户提供更优质、便捷的融资服务,不断提升客户体验,全力支持小微企业发展,努力为当地经济发展做出贡献!
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