Recently, Wuhan Optics Valley Emergency Relief Enterprise Service Co., LTD. (hereinafter referred to as "Optics Valley Emergency Lending Company") finally passed the compliance review of relevant departments and was included in the emergency lending relief service system for small, medium and micro enterprises in Hubei Province。This means that there is another convenient and efficient way for small and medium-sized enterprises in Optical Valley to "reduce the burden and pressure" in financing。

Optics Valley Emergency lending company registered capital of 100 million yuan,It is a wholly state-owned enterprise initiated by Optics Valley Financial Holding Group。

In recent years, the Group has made every effort to build a full-life cycle financial service system for technology enterprises。未来，Optics Valley Emergency Lending Company will draw on the Group's financial services resources，On the basis of equity investment and financing guarantees，Introduction of policy funds business，Form a "investment and loan linkage" (" equity + capital + guarantee ") model，Help scientific and innovative enterprises to obtain financial support in a timely manner，Through the comprehensive financial innovation service model to create a rainforest-like science and technology financial ecology in Wuhan。

As early as June 17, 2020, East Lake High-tech Zone set up an emergency lending guide fund, with the initial scale of 200 million yuan, and the total scale is planned to reach 1 billion yuan within 5 years。

The emergency loan relief fund for small, medium-sized and micro enterprises is mainly for operation in accordance with law and compliance, in line with national industrial policies and environmental protection policies, production safety standards, production and operation is basically normal, with sustainable operation ability, good credit information record, and in line with loan issuance conditions，Small, medium-sized and micro enterprises (individual industrial and commercial households) with temporary difficulties in capital turnover，Offer short-termfinancingServices to help enterprises (individual industrial and commercial households) repay loans and renew loans on time。

After joining the provincial emergency lending system, Optical Valley Emergency Lending Company will further expand the coverage of emergency lending services for small, medium-sized and micro enterprises, provide convenient and efficient financing services for enterprises, help the steady development of enterprises, and provide guarantee for banking institutions to recover loans on time。

"We initiated the establishment of an emergency loan relief fund for micro, small and medium-sized enterprises，It can solve the problem of insufficient repayment funds for small and medium-sized enterprises，Prevent banks from withdrawing and cutting off loans，It can also effectively reduce the rate of use of funds and the time spent on funds，Greatly reduce the burden on enterprises，It also provides guarantees for financial institutions to recover loans on time，downbankNon-performing loan ratio。”Optics Valley emergency lending company said。

Capital chain is equivalent to the "life chain" of enterprises。In the process of resuming production, expanding production capacity, and transforming and developing, many small, medium and micro enterprises are affected by various factors and face the problem of short-term capital turnover。

On the basis of the introduction of the "Twenty Measures to Support Small, medium and micro Enterprises to reduce costs" in July 2021，June 13th of this year，Hubei Province issued Several Measures to Further Reduce Enterprise Costs，One of the measures is to speed up the construction of an emergency loan relief service system for small, medium and micro enterprises covering the province，Reduce the capital turnover pressure of enterprises。

Not long ago, a company in Jingzhou City due to part of the receivables failed to recover as expected, facing greater pressure to repay the full amount of the loan due, a local emergency lending record institution through Hubei Bank Jingzhou branch, for the company to provide 40 million yuan of renewed loan funds, to solve the urgent need of the enterprise。

Optics Valley emergency lending company responsible person introducedThe main target of this service is to review compliance of small, medium and micro enterprises (including individual industrial and commercial households).。

The process of applying for the use of the emergency loan relief fund is as follows: enterprises apply to the emergency loan platform for small, medium and micro enterprises，First of all, the bank will review the loan application of the enterprise，For the business that can renew the loan, issue a letter of commitment，Investigated and approved by the lending agency，Submit to the provincial platform for allocation，The bank confirms that the borrower's account is normal，Issuance of renewal funds，The funds are then returned to the provincial platform。

Enterprises with the need to transfer loans are generally required to pass the emergency transfer record institutions, cooperative banks, and the website of "Hubei Province Small, medium and micro Enterprises Emergency transfer Loan Relief Platform" (http://yjzd) more than 15 working days before the loan maturity.hbgygq.com/) or call 400-825-1968 (Hubei Province, small and medium-sized enterprises emergency lending service hotline) and other channels to submit the loan application, the whole process only takes three working days at the fastest。