The Amount Of Small Loan Guaranteed By Shanghai Bank Occupies Half Of The Territory.

At the teleconference held in July 6th to promote the implementation of the policy of small loan guarantee, the people's Bank of China and the Ministry of labor and social security proposed that we should give full play to the effectiveness of the small loan guarantee policy. During the year, 100 large and medium-sized cities across the country popularized the work mode of entrepreneurship training plus small credit. At the same time, we started the pilot project of establishing credit communities to promote small loans in 13 countries.

At the meeting, Shanghai introduced the practical experience of small loan guarantee in the city.

As an international metropolis in the forefront of reform, Shanghai has always attached importance to re employment in this city.

Small loan guarantee is one of the most important policies to promote re employment. Shanghai is the first to do ahead of schedule, issued a series of policies and regulations, strengthened entrepreneurship training, and formed a mode of operation, such as the application of the practitioner, expert recommendation, bank loan, loan guarantee for special funds, or loan discount.

Shanghai bank is the host bank of Shanghai, and the amount of small secured loans has been occupied by half of Shanghai city.

To this end, the reporter visited the relevant departments of Shanghai bank.

It is understood that in order to cooperate with the Shanghai municipal government to support the city's laid-off workers' independent employment and solve the problem of shortage of funds in the process of re employment, Shanghai bank has set up a special loan business to promote the employment fund to guarantee personal operation in August 2000, and signed a cooperation agreement with the Shanghai labor and Social Security Bureau on promoting the employment fund guaranteed business loan.

Through the exploration and practice in the past four years, the Bank of Shanghai has gradually formed a sound operation system, and has created some effective practices. It has made positive contributions to Shanghai's loan support projects and the promotion of re employment.

By the end of 6 this year, the bank has issued 967 loans totaling 64 million 260 thousand yuan, creating more than 7500 jobs. It has set up a good image of Shanghai bank to provide reemployment financial services for laid-off workers with professional services.

Wang Shihao, vice president of Shanghai bank, made an exchange of experience on the videophone conference. He introduced the practice and experience of Shanghai bank in improving the service level, optimizing the loan process and promoting the development of personal loan business in an all-round way in the light of local characteristics, giving consideration to economic and social benefits, taking system construction, process design and risk management as the starting point.

According to introduction, Shanghai bank has formed a virtuous circle in launching loan business, and gradually established a financial brand in the same industry. It has gradually become the main window for Shanghai to lay off and reemployment personnel.

The specific practices of the bank include the following six aspects: first, establish a complete business process and improve the operability of loans.

To cooperate with and assist the Shanghai labor and Social Security Bureau, Shanghai bank has specially formulated the management method for opening loans, and has set up a set of operation processes from "pre credit counseling, loan acceptance, guarantee examination, loan issuance, post loan management" and so on, and publicizes it in the business place to facilitate the application of laid-off and unemployed people. Two, it is to deploy specialized agencies and personnel to improve the convenience of loans.

For the convenience of the laid-off and unemployed people, the bank has selected 16 branches in all districts of the city, equipped with trained full-time credit officers to deal with this business, and the three is to carry out special publicity to improve the awareness of the loan.

The bank made special publicity materials for "loan to start up", distributed and publicised in its more than 200 outlets, and actively participated in the recommendation of every opening loan held by the Shanghai start up guidance center, which increased the awareness of the loans in laid-off and unemployed people. Four, it was to develop micro profit projects and improve the pertinence of loans.

Because of the small profit nature of the loan projects, the Bank of Shanghai focuses on the safety and social benefits of the project, focusing on supporting the meager profit projects that meet the national re employment policy.

For example, labor intensive projects such as small logistics services, family workshop manufacturing, etc. five, we should do well in service work and improve the success rate of loans.

In view of the lack of entrepreneurial experience and low risk ability of the borrowers, the bank set up a consultation window in the district (county) business guidance service center under the labor and Social Security Bureau of Shanghai, providing market analysis, marketing planning, financing consultation and other business counseling to laid-off and unemployed people, helping laid-off and unemployed people to improve the success rate of projects; and the six is to strengthen loan risk management and improve the safety of loans.

In view of the characteristics of the opening loan, the Bank of Shanghai focuses on strengthening risk management from three aspects: first, identifying the borrower's credit risk through the "personal credit" credit system established in Shanghai five years ago.

Second, the financial consulting company entrusted by the opening guidance center will issue the financial supervision book of borrowers every half a year to reveal the risks in a timely manner.

Third, we should establish and perfect the system of collection and compensation for overdue loans, and work together with the employment agencies and streets in all districts and counties of Shanghai to carry out collection work.