来源: 北京日报 | 2020-05-20 14:22:17 |
继消费券后,“免息券”也将来临。记者获悉,从5月21日开始,在银保监会指导下,三大政策性银行将联合网商银行,向小微商家和个体工商户发放百亿元贷款免息券,第一批免息券将在全国81个城市发放,有营业执照的小商家可上支付宝领取。
具体来说,有营业执照的小商家、小店们,可以在支付宝上搜索免息券,通过信用风控评估,有贷款额度的用户都可以领取免息券,第一批每人可以领取2张,每张代表1万元贷款的1个月免息权利。假如一名小店主有5万元贷款额度,想贷款一个月用来进货,那么领取免息券后,他就只需要为其中的3万元支付利息。
据了解,这也是全国首次大范围向小微企业和个体工商户发放免息券。在银保监会的指导下,由国家开发银行、中国进出口银行、中国农业发展银行等三大政策性银行牵头,向网商银行提供低成本资金,再借助网商银行的科技能力和用户触达通道,通过免息券形式精准滴灌小微企业,降低贷款成本。
银保监会首席检查官杨丽平表示,鼓励政策性银行、商业银行加强与主要依靠互联网运营的民营银行的业务合作,提高复产小微企业的贷款可获得性。(作者:袁璐)
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