To further support the development of small and micro enterprises, address financing challenges, and advance the "five major financial articles," Bank of China Jiaozuo Branch has partnered with Jiaozuo Market Supervision Administration to implement the "Certification Loan" financial service cooperation memorandum signed between Henan Provincial Market Supervision Administration and Bank of China Henan Branch. This initiative provides high-quality, low-cost credit support to certified enterprises throughout the city, leveraging quality certification as a financing enhancement tool to achieve high-quality development in inclusive finance. The "Certification Loan" service program has been specifically developed for this purpose.

I. Target Customers

The "Certification Loan" is designed for small and micro enterprises registered in the Jiaozuo region (including all counties, cities, and districts) that possess relevant quality system certifications. These certifications include but are not limited to mandatory product certifications, management system certifications, service certifications, voluntary industrial product certifications, and food and agricultural product certification programs.

II. Product Overview

The "Certification Loan" is a specialized financial product launched by Bank of China specifically for certified inclusive small and micro enterprises. The product features a dedicated green approval channel with both online and offline processing capabilities, characterized by high loan limits, fast approval efficiency, and low interest rates, designed to maximize financing solutions for small and micro enterprises.

III. Loan Specifications

1. Loan Amount: Maximum of 10 million yuan.

2. Loan Term: 1 to 3 years, with the option to renew without principal repayment based on business operations upon maturity.

3. Interest Rate: Maximum of 3.0%.

4. Guarantee Method: Credit-based approach is prioritized, with flexible combinations of mortgage, pledge, and guarantee arrangements available.

5. Additional Requirements: Borrowing enterprises must maintain normal business operations, with good credit records for both the enterprise and its affiliated individuals. Enterprise tax credit rating must be A/B/M level, and other conditions as required by Bank of China must be met.