Longxiang Bridge Clothing Owner'S Anti Season Purchase Of Bank Loans Has Reached Thirty Million.

In the first half of 08 years, the Bank of Hangzhou has designed a variety of unsecured, non guaranteed credit loans for supermarkets, pharmaceuticals, department stores and small technology enterprises.

Lai Guowei, a small business enterprise in Hangzhou bank, said that there had been "no more than 1 million 500 thousand yuan" restrictions on credit loans for small businesses. However, not long ago, all the Hangzhou bank outlets in Hangzhou five districts relaxed their loan restrictions on small businesses, and the quota ceiling also changed from 1 million 500 thousand yuan to 5 million yuan.

    小企業聯保貸到大資金

In the newly established branch of the business loan monopoly of Zhejiang Commercial Bank, a "joint guarantee loan" has brought "timely rain" to Zhejiang's small and medium-sized enterprises.

The so-called joint guarantee, that is, a few small businesses that lack collateral, form mutual guarantee by means of supply chain or industry, such as "business circle joint guarantee", "townsfolk joint guarantee" and "peer insurance".

5 to 9 enterprises participating in the joint guarantee system form a unit named "households", and apply for loans to the banks in the name of "households" to jointly make profits and share risks.

The bank's first "business circle guarantee loan" came from 9 small businesses in the north steel market of Hangzhou. They not only received 10 million yuan of credit, but also maintained a good reputation.

The 9 small businesses are engaged in the steel business in the market. The storefront is rented, and the steel is also on credit. There is really no collateral for the banks.

Several bosses first raised money to banks in their own name, and some banks agreed to grant them, but the amount was only a few hundred thousand yuan.

Each time the steel was purchased for hundreds of tons, the money ran out.

Later, they thought of letting two small companies guarantee each other's loans, but even if the two companies were combined together, the scale was still too small, which was also refused by the bank.

When they hit the wall, they came to Zhejiang Commercial Bank to tie up 9 small businesses with financing needs in the steel market in the form of "Yunus mode". When any company financing, the other 8 companies also provided guarantees for them. After paying a small margin, they successfully obtained 10 million yuan from Zhejiang Merchants bank.

In addition, the six joint insurance company sponsored by Hangzhou Furniture Association, the five joint insurance company of Hangzhou Hunan chamber of Commerce, the five joint insurance company sponsored by Hangzhou Zhicheng communication equipment Co., Ltd., the Hangzhou joint venture Co., Ltd., the six steel joint insurance company launched by the steel professional market, and the seven insurance company of the textile industry in Renhe District, Hangzhou, adopted this "Yunus mode".

Ye Zhigui, the credit management center of Zhejiang Commercial Bank, said that at present, 147 small businesses in Hangzhou are involved in joint guarantee loans, and the total amount is more than 600 million yuan, equivalent to about 4000000 yuan per household loan.

    農民找熟人擔保貸款100萬

A staff member of the Credit Department of Pudong Development Bank disclosed that the banks in Hangzhou could handle personal unsecured loan business, most of which were more than ten million yuan, and nearly one million yuan high.

For example, the Ningbo bank's "white-collar" and the Zhejiang Merchants Bank's "spirit gold", the maximum amount of 200 thousand yuan and 100 thousand yuan respectively, and do not need collateral.

In the past 08 years, more than 60 peasant entrepreneurs of Jiu Bao, Xiasha, Qiao Si, Jian Qiao and Peng Bu have enjoyed the convenience brought by the personal small guarantee loan of local banks.

The "villagers' guarantee loan" recently launched by the Jiu Bao branch of Zhejiang Commercial Bank is a guaranteed loan product designed specifically for rural villagers and micro enterprises in the suburbs of Hangzhou.

If the lender does not need to provide collateral, if he can find a guarantor approved by a bank in the same village or town, he may get the maximum amount of 1 million yuan from the bank.

Ye Zhigui of Zhejiang Commercial Bank said that the main purpose of the loan is to provide the working capital for the rural individual industrial and commercial households. "The total amount of loans that has been successful now is nearly 40 million yuan, mostly small factories, logistics and trading enterprises."

Each bank has its own "scoring system" for lenders and guarantors. High academic qualifications, stable income sources and high earning jobs are all "scoring points", but farmers are hard to get high scores.

As a result, the customer manager of Zhejiang Merchants Bank replaced the grading system with fieldwork, and understood the credit and word of mouth of the lender through the side of the village committee and neighborhood committee.

"Many villagers' houses are collective property rights, and houses and land can not be used as collateral."

Ye Zhigui said that in rural areas, secured loans are more appropriate, "as long as friends in the circle of friends or good reputation in the village committee, reputable people are willing to provide security, you can make this loan."

    服裝店貸款采購冬裝

The summer wear in shopping malls has been labeled with "half off", and autumn wear and winter clothes have been put on as usual.

However, autumn and winter clothing is more expensive than summer wear and has more funds. Sijiqing and Longxiang clothing businesses often encounter "shortage of funds" at this time.

Xiao Wang owns two shops in the Sijiqing market and sells jeans and motorcycle jackets on the market and on the Internet.

In the two quarter of spring and summer, there were not many fans but few customers came to his booth. But when the weather became cool, his sales jumped up.

"As cold as a day, I can sell seven or eight jackets every day, and there are more than ten pieces in wholesale. If you want to get rid of business, you have to buy large quantities of stock early."

Xiao Wang said that every time he went to Haining or Guangdong to buy, he would be caught in a dilemma. "If you want to earn more, you have to buy more, but the price of winter clothes is very high and the funds are not enough."

This time, he got help from the Bank of Hangzhou "business loan".

This kind of credit loan to individual industrial and commercial households does not need to be mortgaged. The time limit is only half a year, and the amount is up to 500 thousand yuan, which is just right for clothing operators. Script src=>