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Series of steps:
The importance of alternative energy loans provided by government banks (regardless of their names and affiliations) in cooperation with renewable energy support funds cannot be underestimated, as they have helped project owners in agriculture and livestock, industrial and handicraft projects, and investment projects. However, there are several obstacles faced by borrowers and some complaints by implementing companies, which indicate in their complaints that they have suffered losses of tens of millions of dollars.
The question here is: Why do we always make naive mistakes that distort the value of the product we provide? Is the flaw in management, or in the mechanism or method of providing loans to requesters?
Entrepreneurs talk about not receiving the full amount of their loans, despite the fact that they provided all the necessary documents and certifications related to the mortgage, which, as they say, exceeded the value of the loan, in addition to complaining about the lack of respect for time and indifference of bank employees to the pain that borrowers endure in order to obtain … a loan!
Given this, borrowers can’t help but wonder: what is the secret or reason for this delay? They are asking bank management to stress its staff to expedite full loan disbursement.
People familiar with the matter said that banks do not finance all the funds transferred, but choose what they want and control the number of referrals to no more than the fingers of one hand, while some borrowers said that some banks use part of the loan as employee wages instead of paying those who deserve it. They believe that this will cause serious delays in obtaining the full loan, thereby damaging the project and hindering its production!
The matter did not stop with the borrowers’ complaints, but also spread to the project implementation company, who also complained that the funds transferred to the bank were delayed in disbursement, causing them losses that could be as high as hundreds of thousands of yuan. Because the exchange rate changes every day, millions of dollars are lost.
In short… We appreciate the efforts of the banks in cooperation with the Renewable Energy Support Fund and the National Energy Research Center, but this matter needs to be more flexible and agile in dealing with borrowers and companies implementing projects. As long as the funds are sufficient and the borrowers are in good condition, especially in terms of property security, delays in issuing loans are unacceptable, so we can’t deal with customers in the best management way, saving energy and time for the benefit of project owners?!
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