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for (var i = 0,len = adKeys.length; i 房產抵押一直是小微企業獲得銀行高額融資的重要方式,近日,民生銀行立足小微企業實際情況及需求,推出“優客+”住宅抵押類貸款產品,憑借更高抵押率、更優利率及高效服務流程,為經營好、資質優的小微企業注入發展動能,同時積極推廣財政貼息為企業減費讓利,生動踐行普惠金融使命。 今年,國家持續在家裝、家電行業推行國補政策,作為格力電器經銷商的來女士在西安擁有三家實體門店,年銷售收入達2500萬元,此前已與民生銀行建立信貸合作。2026年3月,正值南大明宮商場家裝節和“3·15”活動上線,因該城市形象店新開導致來女士面臨資金缺口,民生銀行西安分行客戶經理在貸后回訪中發現了企業的緊急用款需求,以“優客+”120%抵押率及1%服務業貼息政策,為來女士定制了專屬融資方案:將原有350萬元抵押貸款增額至490萬元,同時每年為企業減少利息支出約5萬元,有效緩解了企業資金壓力。 “優客+”是民生銀行專為小微企業量身打造的貸款產品,三大核心直擊小微企業融資痛點:抵押率最高可達房產估值120%,充分釋放資產價值;授信更側重企業經營實力,打破傳統“唯押品論”;提供定制化利率,年化單利低至2.5%起,額度最高可達3000萬元,同時支持無還本續貸,為企業持續經營提供穩定保障。在服務效率方面,民生銀行西安分行構建了高效審批機制:該經銷商申請當天即完成上報,評審人員主動陪同盡調,2天內完成全流程審批,讓企業資金需求得到快速響應。這種“專職評審前置參與、審批標準清晰透明”的服務模式,既保障了風險可控,又讓小微企業切實感受到“有溫度的金融服務”。來女士表示:“這次的貸款業務很及時,既提升了貸款額度,還為我們減少了利息支出,民生銀行的服務真的很專業”。 “優客+”只是民生銀行持續深化普惠金融過程中的一項服務,未來,民生銀行將繼續以產品創新為驅動,以專業服務為支撐,讓金融活水精準滴灌實體經濟末梢,助力更多小微企業穩健成長。 民生銀行西安分行供稿

定制讓利助實體 民生銀行西安分行“優客+”為小微企業紓困賦能


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