Changchun Pacific Shoes City Gets 200 Million Yuan Loan From Minsheng Bank
The cold spell of early winter is hard to stop in Changchun.
Small and micro enterprises
New impetus for development.
On the 18 day, the victory Bank branch of Minsheng Bank, located in Changjiang Road Business District, opened its first business day to overseas, namely, 200 million yuan to the 500 businessmen in the Pacific shoe city.
"At the moment when the peak season of winter shopping is coming, this loan will undoubtedly shorten the cycle of capital withdrawal, and the cash will be more abundant this winter."
A businessman from a shoe city who got the loan said.
For many years, SMEs, which play a decisive role in economic development and employment, have been faced with many problems, such as financing difficulties, lack of financial support services and so on.
Insiders say that, because it is often difficult to obtain loans directly from banks, SMEs, especially small business owners, have been financing for many years by means of private lending and underground banks. High interest rates and various cost costs have undoubtedly restricted the demand for funds of small and medium-sized enterprises.
"To the Pacific shoe city, this is a joint insurance scheme."
Minsheng Bank
The leader of the branch of Shengli Street said that the advantage of the commercial loan Tong is the most suitable for small and medium enterprises and small and micro enterprises, which can be accepted as up to 11 types of guarantee, such as mortgage, pledge, guarantee and joint insurance, and the amount of the loan amount is not in principle.
It is reported that more than 500 merchants received loans ranging from 500 thousand yuan to 5 million yuan per household.
At the same time, the longest loan period can be up to 10 years, the mortgage rate of real estate can reach up to 80%, and the 5 working days will complete the examination and approval when the procedures are complete.
Serving small and medium business owners and individual businesses, Minsheng Bank has brought new hope to our small and micro enterprises.
"For small and medium enterprises loan mentality is the same, but the success or failure to see details."
A person from a small and medium enterprises loan agency said that the "stepping stone" of the loan business is being glued to the market segments.
While banks are grabbing the industrial chain, small and medium-sized banks are becoming more and more popular for the professional market and the "close fitting" financial services of their own development.
Minsheng Bank's "business credit card" is seen as an improvement to supply chain finance and a successful example of the upgrading of SME services.
Insiders say banks need to change.
Traditional management
In order to adapt to the "short, frequent and fast" credit demand of small and medium-sized enterprises, we should build up and perfect a credit management system that really fits the characteristics of small and medium-sized enterprises.
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