兴业银行烟台分行突出亮点着力发展旅游业金融

Societe generale, yantai branch outstanding financial highlights focus on tourism

Tourism industry is the emerging sunrise industry, with the improvement of living standards of residents in our country, the wide development space of market. Yantai is a beautiful seaside resort city in the north, is a world-famous tourist sanctuary, societe generale, yantai branch has been active in supporting the development of local tourism, completes the related financial services, for penglai city penglai pavilion to travel co., LTD to issue project loans 160 million yuan, the deadline for five years, transferor pledge to penglai pavilion to travel scenic spot ticket sales.

The bank gives the loan of tourism enterprises is project loans, the examination and approval authority in the headquarters, perform strict examination and approval standards and requirements, practical and guard against the risk.

Tourism project period is long, the market uncertainties more, the economic benefits of more performance to promote the common development of social economy, the whole city the bank to carry out the "business of tourism scenic spots ticket ShouRuQuan pledge" loan-to-value ratio is generally around 50%. To penglai pavilion project as an example, through financial analysis to determine the project calculation period for 5 years, the construction period for two years, period is 3 years, mainly inspects repayment ability of the project, analysis the project loan term accumulative total profit after tax 320 million yuan, can be used for all reimbursement, totaling 160 million yuan loan amount 2 times, payment is guaranteed, at the same time to ensure that our capital safety issued by the local fiscal payment commitment.

Loan approval process, of course, in tourism development and product innovation is also facing with the test, the bank will continue to based on local, highlight the point for the development of ideas, actively explore the development for tourism consumption need financial products. Enhance service function of tourism enterprises in many ways, in cash management, local and foreign settlement, foreign exchange, personal credit, areas such as quality guarantee, credit card and travel agency enterprises of all kinds of business cooperation, explore the development of financial products for tourism consumption, issued for domestic travel matters of personal consumer loans, etc.

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