The Financing Of Small And Medium-Sized Enterprises Is Booming Again. The 5 Billion Yuan Credit Scheme Is Fully Activated.

Yesterday, Minsheng Bank quietly launched the "enterprise financial reform plan" in Hangzhou, and 18 small and medium enterprises received 5 billion yuan's credit scheme.

This is the fifth time that commercial banks have provided credit, loans and other financial services to SMEs in Hangzhou on a large scale this year.

According to our understanding, from 435 million yuan to 10 small and medium-sized enterprises from Pudong Development Bank, we started from the beginning of April. In the first ten days of April, the industrial and Commercial Bank branch promised to increase 150 billion yuan loans in the next 3 years and invest about 80000000000 yuan to SMEs in Zhejiang. In June 6th, the Sales Department of CCB branch and the 15 high-quality small and medium-sized enterprises in Hangzhou, such as Da and he, signed a cooperation agreement between banks and enterprises.

In mid June, a small and medium-sized private enterprise development plan called "thriving business" was launched in Hangzhou commercial bank. 66 small and medium-sized private enterprises in Hangzhou were granted comprehensive credit of 960 million yuan.

When banks in Hangzhou are fighting for small and medium-sized enterprises, SMEs' financing has gradually highlighted Hangzhou's characteristics.

Hangzhou has more than 20 small and medium-sized enterprises, accounting for 99% of the total number of enterprises.

To the first quarter of this year, the city's small and medium-sized enterprises reached more than 20, its gross output, profits and taxes and exports accounted for 78%, 57% and 60% of the city's enterprises, and created more than 75% of urban and rural employment.

It is understood that the average size of Hangzhou's high-quality SMEs has exceeded 100 million yuan.

Many bankers in Hangzhou told reporters that it is not difficult to cultivate a group of high-quality gold customers in small and medium-sized enterprises in China.

A commercial bank general manager of a company's business department has counted such an account: the bank loan is 50 million yuan to a large enterprise, the loan interest rate will float 10%, if the average allocation to 10 small and medium-sized private enterprises, the loan interest rate may float to the base interest rate, compared to the year, the difference will reach 292 thousand yuan, although dispatches to 10 enterprises, the bank must increase the credit personnel, but the operation cost increase is limited, to the bank, the small and medium-sized enterprise loan risk is big, the profit is obvious.

Hangzhou is the only city in the country to carry out SME financing pilot projects in Minsheng Bank's "enterprise financial reform plan". This is the first time in Hangzhou.

Minsheng Bank vice governor Hongqi also made a special trip to Hangzhou, saying that the characteristics of Hangzhou's small and medium enterprises "born beauty" prompted the joint-stock commercial banks to make such an option.

In the continuous contacts between banks and enterprises, we found that apart from Minsheng Bank, Hangzhou's commercial banks have adopted the strategy of "saving the nation by curves" in solving the problem of "financing difficulties of SMEs", and gradually formed the "Hangzhou characteristics" in the way of financing.

In the first half of this year, the Shanghai Pudong Development Bank launched 10 financing schemes, including three party agreement guarantee, chattel mortgage, buyer's credit, corporate mortgage loan business and so on. The CCB's commitment can provide financing services with new financing products such as patent pledge loan, export tax rebate mortgage loan and so on. The city commercial bank also creatively introduced the loan promise business, ensuring that both the enterprise and the bank can not unilaterally cancel the loan commitment in the form of law.

In the interview, some private owners said that this year, Hangzhou banks have more ways to raise funds for SMEs, and the market concept of banks is undergoing qualitative changes.

At the same time, the practice of commercial banks coincides with the requirements of the Hangzhou branch of the people's Bank of China for the "guarantee difficulties" of SMEs.

Experts believe that at present, banks in Hangzhou have shown some common characteristics in alleviating the financing difficulties of SMEs, especially in the "guarantee" mode of small and medium-sized enterprises in particular, expanding the scope of corporate pledge, and so on, which can better meet the needs of SMEs in Hangzhou, especially small businesses, for effective capital.