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日前,浦发银行上海分行成功发放全行首笔“科技金融共赢利率”小微贷款。该笔贷款采用“前低后高”的定价方式,前期的贷款利率远低于传统银行贷款的定价水平,有效降低了科技创新企业在业务发展初期的融资成本。为积极应对利率市场化和降息周期所带来的冲击,浦发银行上海分行一直以来都努力探索一条兼顾扶持科创小微
Recently, Shanghai Pudong Development Bank Shanghai Branch successfully issued the bank’s first “Technology and Financial Mutual Benefit Ratio” micro-loans. The loan adopts the pricing method of “low before high” and the loan interest rate in the previous period is much lower than the pricing of the traditional bank loan, effectively reducing the financing cost of the S & T enterprises in the initial stage of business development. In order to actively cope with the impact of interest rate liberalization and interest rate cut cycle, Shanghai Pudong Development Bank Shanghai Branch has been working hard to explore a support both Micro-Tech