Overcome Difficulties In Cooperation Between Banks And Enterprises And Help Smes Finance

"Recently, the tight monetary policy of the state has been tilting towards high-quality SMEs. How can financial institutions support the development of small and medium-sized enterprises more effectively in this situation?"

Recently, the deputy director general of the Quanzhou municipal Banking Supervision Bureau came to Shishi to investigate and fully affirmed the business cooperation between Shishi sub branch of the Quanzhou commercial bank and Shishi cloth Association, and launched a credit system based on "joint guarantee" to support the development of cloth operators.

This way of cooperation has enabled more operators to enjoy financial support from banks. While supporting the development of high-quality SMEs, it has also strengthened itself and improved the reputation and popularity of Shishi sub branch of Quanzhou commercial bank.

　　依靠協會了解客戶創造條件服務企業

"Under the current tight monetary policy, banks support small and medium enterprises, and how to ensure the safety of banks' capital in the context of controllable risks."

This is the focus and difficulty faced by various financial institutions.

"UNPROFOR loan" is a kind of business innovation in itself. How to select customers and combine customer groups, banks need to conduct in-depth investigation and follow the procedural Compliance Investigation to ensure the safety of credit funds.

Although mutual constraints, but there is insufficient protection, if one of them has problems, other families will not have a chain reaction, whether repayment can be made on time.

Shishi sub branch of Quanzhou commercial bank is closely relying on the role of the guild. It is the first choice for banks through trade associations, so that banks can have a deeper understanding of customers, understand their business and effectively reduce their credit risks.

Shishi cloth association is familiar with the history, strength, operation and credit level of member enterprises. There are a series of self-discipline measures among members.

The association will help member financing to promote the healthy development of the entire fabric industry as an important task. It will recommend a fair and high-quality cloth shop that is just selected by banks, and the bank will always be ready to handle the operation and capital utilization of the cloth merchants after the credit is issued.

If there is any abnormal situation, the guild will notify the bank promptly to take measures to effectively reduce the risk of credit assets, which is deeply trusted by banks and credit companies.

It is worth mentioning that the industry association serves the cloth enterprises without compensation. The paid services in comparison with other intermediary organizations are quite different in nature. They help the qualified enterprises enjoy financial services and promote the development and growth of enterprises. At the same time, they also greatly enhance the social influence and cohesion of the Association, and enhance their social status, and truly win the three sides of enterprises, associations and banks.

　　不斷創新信貸方式力助中小企業發展

With the increasing pressure on the survival of enterprises, many small and medium enterprises with insufficient conditions are in urgent need of bank support.

However, under tight monetary policy, bank credit lines are very limited, and the contradiction between supply and demand of funds is more prominent.

How to solve this difficulty, when Shishi sub branch of Quan Shang Shi entered the Shishi in 2003, on the basis of summarizing other bank credit methods, we vigorously explored and developed the "joint guarantee" loan method. The basic method is to form a "mutual guarantee" and "recycling" customer unit, which is composed of 3 or more strong cloth shops in the Shishi cloth market. They guarantee each other, supervise each other and restrict each other.

This way, because the credit companies have known each other for years, they have been working together to win, and have tied each other, so they are in good working order.

Over the past few years, the Shishi sub branch of Chuanhui branch has awarded more than 150 million yuan to the 100 operators of Shishi cloth market.

Recently, the bank has established 24 market operators in the form of "joint guarantee" credit, providing about 48 million yuan of financial support.

We have every reason to believe that banks are constantly innovating the credit model and trying to provide various financial financing methods for enterprises, which will effectively boost the healthy development of enterprises and promote the economic development of Shishi.