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    27 Banks In Henan Build Small Supermarket Financing Supermarket

    2012/4/20 8:46:00 8

    HenanSmall And Micro EnterprisesFinancing Supermarket

      

    Small and micro enterprises

    How to solve the problem of loans? How to combine big banks with small businesses? This is an urgent and challenging task.

    In April 13th, the launching ceremony of the "financing supermarket" of small and micro enterprises built by 27 banks in Henan was held in Zhengzhou International Convention and Exhibition Center. 103 small and micro enterprises from the whole province entered the "financing supermarket".


    Li Ke, standing committee member and deputy governor of Henan provincial Party committee, said in his speech that small and micro enterprises are an important part of the national economy and play an important role in arranging employment, increasing vitality of economic development, and improving people's livelihood.

    Supporting the development of small and micro enterprises is the need to enhance the thickness of industrial development and the stamina of economic development. It is also the need to effectively stimulate Henan's economic growth.

    Banking financial institutions play an important role in supporting the development of small and micro enterprises.


    Reporters at the scene saw that whether big banks or small banks, whether they were foreign banks or village banks, almost every bank came up with several financial products tailored for small and micro enterprises.


    Bank of communications launched "

    Exhibition industry "

    It can provide trademark and patent guaranteed loans for small and micro enterprises.

    This means that patents of small and micro enterprises can also be exchanged for loans; ICBC's "net loan link" is like a super credit card; small and micro enterprises can collect loans at any time and anywhere through online banks; CITIC Bank has set up a "small business future star club", which not only provides loans for small businesses, but also provides comprehensive services such as private equity and high-end consultancy.

    The minimum loan amount is 2000 yuan, and the loan can be secured at the fastest day, or even without collateral or guarantee.


    "It is the first time that we have organized a large number of banks and small and micro enterprises to carry out centralization and docking by a number of departments."

    Li Fuan, director of Henan banking regulatory bureau, said.


    It is understood that in 2011, Henan's banking sector increased 27.4% of loans to small and micro enterprises, which was 5.49 percentage points higher than the national average growth rate, ranking eighth in the country and second in the country.

    At present, the banking financial institutions in Henan province have set up 560 specialized departments, and 3549 full-time employees serving small and micro enterprises.


    Zhu Lixun, general manager of Zhengzhou men's Beauty Clothing Co., Ltd., in an interview with reporters, said that at present, the enterprises are expanding and are in urgent need of funds. The "financing supermarket" built by the Henan banking industry has sent us "timely rain". However, I asked several banks to find that the loan interest rate of the "financing supermarket" is almost the same as that of other banks at the same time, and the enterprise really gets the loan, and the annual interest rate is 8.528%.

    Such a high interest rate does not reflect the support policy of the banking industry for small and micro enterprises.

    Since it is "innovating financial services, cracking financing problems" and "providing timely help", we should make breakthroughs to set up a preferential policy for small and micro enterprises to lower the interest rate of banks at the same time.

    In addition, the "financing supermarket" has a shorter loan period for small and micro enterprises, and the proposed extension will be more than 1 years.


    "The loan amount can not be too small, the drizzle can not solve thirst, at least more than 50 thousand yuan to help enterprises."

    Chen Guixiong, chairman of Zhengzhou golden Rhododendron Clothing Co., Ltd., said that for small and micro businesses with good growth potential, it is suggested that banks should gradually increase the loan amount to 200 thousand yuan or even 500 thousand yuan with the continuous growth and expansion of the scale of enterprises and the improvement of credit.

    At the same time, the procedure should be simple and the loan should be fast.

    Supporting the development of enterprises is the responsibility of banks. The pursuit of enterprises is the pursuit of the leaders of enterprises, and cooperation and win-win is the long-term goal.


    Small and micro enterprises in order to get more support from banks, what needs to be done? In the docking site, many banks said that small and micro enterprises should try to establish their own financial statements, there is no financial statement, at least in the enterprise accounts to do as far as possible to standardize the details.

    At the same time, the payment of water and electricity charges, vouchers and so on should be clear and clear, so that it will be more efficient when docking with banks.

    At the same time, they also suggested that small and micro enterprises should strengthen their links with relevant organizations such as trade associations.

    Because many banks are developing customers through industry associations, organized small and micro enterprises are more likely to get loans, and the cost of financing will be lower.


    "Next, we will build banking and small and micro enterprises.

    Long term docking mechanism

    It provides a wider information platform and channel for mutual understanding between the two sides.

    Li Fuan said that in the next 1 months, the small and micro enterprises will be held in Xinxiang, Anyang and other provinces.

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