Quanzhou Mode Innovating Financial Service Mode Of Small And Micro Enterprises

Since last year, Fujian Province

The city's innovative small and micro enterprises financial service mode, to guide the banking industry and industry associations, trade associations, chambers of Commerce and other interactive cooperation, small and micro enterprises financial supply and demand effective docking; on this basis, some banks to set up a special branch, specialized service small and micro enterprises, has achieved great results.

Under the background of trust crisis in some areas of our country, there has been no large-scale failure of SMEs in Quanzhou.

The capital chain is basically normal, and the folk financial ecosystem is healthy.

Where is the loan difficulty of small and micro enterprises?

Reporter survey found that, at present, all localities and departments have introduced various tax and fee policies to promote the development of small and micro enterprises, but the difficulty of loans for small and micro enterprises has not been fundamentally alleviated.

Information asymmetry between loan demand of small and micro enterprises and bank credit supply is the main reason.

Lin Yangfa, governor of Quanzhou bank, said that small and micro businesses are a blue ocean for banks. However, because of its wide distribution and many industries, bank credit professionals are limited in their professional fields, so it is difficult to grasp their loan demand information.

The financial statements of small and micro enterprises are not perfect, which also makes banks feel headache, and loan procedures are often difficult to handle for various reasons.

Wu Shida, deputy director of the Quanzhou regulatory sub Bureau of the China Banking Regulatory Commission, said banks are more fond of "big side" because big companies have relatively complete financial statements and simple procedures, and small and micro enterprises often keep banks away from financial norms.

Qiu Shangqi, President of Minsheng Bank Quanzhou branch, told reporters that small and micro enterprises do not have many fixed assets such as factories, equipment and so on, unlike small enterprises. They have less collateral, so it is not easy to get loans, and the risk of bank loans is high.

Banks and associations meet: financial demand is coming.

Quanzhou is the most active city in Fujian province. For the 13 consecutive year, the total economic volume ranks first in Fujian province. It has been born in the famous "Jinjiang mode" and "Wenzhou mode" and so on. It is also called the four models of China's rural economic development.

There are a large number of private enterprises in Quanzhou, mainly small and medium-sized enterprises, and the total number of small and medium-sized enterprises is more than 60 thousand.

Since last year, Quanzhou has actively innovating the loan mechanism of small and micro enterprises, and encourages the banking industry to support small and micro businesses through cooperation with industry associations, trade associations and chambers of Commerce.

Quanzhou

The fabric market is one of the largest fabric markets in the country. The more than 1000 stores in the market are operated by more than 1000 shops.

"These cloth sales network radiates across the country, and sales are basically above ten million yuan."

Lin Shuiyuan, director of the Shishi cloth Market Management Committee, told reporters that the research and development input of the bank was larger, and the cloth pattern, yarn and so on would take about 1 years from R & D to production.

Because there are not many fixed assets and incomplete financial statements, the capital chain of the bank is very tight according to the previous mode.

After the establishment of a cooperation framework between the Bank of Quanzhou and the Shishi fabric Association, the problem of loan difficulty of these banks was solved.

Hong Ming, chairman of the Shishi cloth industry association, said that the guild had strict requirements for the entry of the bank and had a good understanding of the operation of the member enterprises. It would report the list of enterprises that really needed loan support to Quanzhou bank, and then the bank would give loans according to various indicators.

Member enterprises generally take 3-5 joint insurance to solve the problem of mortgage.

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Hong Ruyi, the head of the big road and clothing company in Shishi cloth market, told reporters: "last year, we led by the guild, and 5 unsecured loans were borrowed from the bank for 5 million yuan. In the middle of the year, the funds for the off-season sales will not be particularly intense. This is unthinkable before.

After the loan, the guild and UNPROFOR will supervise you.

For banks, risk is still well controlled.

Jinjiang agricultural and commercial bank and fishery association have set up a "credit ship" credit product service fishery association, which has achieved good results.

Chen Wenwei, Secretary General of Jinjiang deep Fisheries Association, told reporters that fishery was originally a high-risk industry. In the past, financial institutions were reluctant to lend.

Through the way of "credit boat", the 161 ships of the association gained 200 million yuan from Jinjiang Agricultural Bank of China, and a maximum ship could borrow 2 million 500 thousand yuan, which effectively alleviated the financial strain.

Characteristic sub branch: specialized service small and micro enterprises

The signing of cooperation between banks and trade associations, trade associations and chambers of Commerce has promoted the breakthrough of loans for small and micro enterprises.

After that, the banking regulatory authorities in Quanzhou also pushed banks to establish special branches and professional branches to link up with them, and ensured the long-term development of cooperation from the institutional setup.

Xu Hong, vice president of Quanzhou branch of Minsheng Bank, said that the bank promoted every branch to build its own characteristics, docking the business associations, professional markets, etc., so that each sub branch became a feature sub branch of small and micro enterprises.

At present, Minsheng Bank has set up the Jinjiang branch as the branch of sports shoes and clothing features, the Nanan branch conducts the sub branch of the warm water heating branch, the Shishi Branch conducts the textile clothing characteristic branch, the water head branch conducts the stone characteristic sub branch and so on.

The specialized sub branch has achieved professional operation, and the industry customers enjoy preferential policies such as quota priority, evaluation priority and efficiency priority.

The effectiveness of Quanzhou small and micro enterprises loan mechanism innovation is very obvious.

The Quanzhou branch of Minsheng Bank only increased 1 billion 322 million yuan in loans for small and micro businesses last year, accounting for 117% of the total new loans in the year (when other loans were compressed into small and micro businesses in the year), and the number of small and Micro customers increased by more than 1.3 million households, with a total number of 17 thousand households.

According to statistics, Quanzhou's banking industry has established 105 independent or relatively independent small business financial services institutions.

By the end of last year, the balance of small business loans in Quanzhou was 95 billion 52 million yuan, an increase of 20.1% over the previous year, and 32 billion 345 million yuan in personal operating loans, an increase of 22.4% over the same period last year.

The healthy development of small and micro enterprises has effectively protected Quanzhou's economic growth.

In 2011, Quanzhou achieved a GDP of 427 billion yuan, an increase of 13.5% over the previous year, of which 87.3% of the total private economy accounted for GDP.

The "Quanzhou model" has strong reference significance.

Wu Shida believes that Quanzhou has tried boldly in the financing of small and micro enterprises, and has carried out mechanism innovation to effectively guarantee the sound development of the financial market.

Quanzhou was listed in the 10 key monitoring areas of private financing by the State Council. Last year, under the background of tight money and foreign trade situation, the local government was worried about the collapse of large scale SMEs and the phenomenon of entrepreneurs' "running away".

In the first half of last year, there were individual entrepreneurs in Quanzhou who ran away because of the broken capital chain.

In the whole year, only 4 bank related entrepreneurs' running events were monitored in Quanzhou, and the financial ecological environment was relatively healthy.

Based on Quanzhou, Fujian Banking Regulatory Bureau vigorously promotes loans for small and micro enterprises.

Statistics show that as of the end of last year, the balance of loans for small enterprises in Fujian was 523 billion 931 million yuan, an increase of 126 billion 437 million yuan compared with the beginning of the year, and the number of new loans for small businesses ranked fifth in the country. The balance of small business loans accounted for 46.56% of corporate loans, ranking first in the country.

Wang Qizhen, director of the Quanzhou regulatory sub Bureau of the China Banking Regulatory Commission, believes that Quanzhou's banking industry has innovated the credit model through cooperation with regional industry organizations and specialized markets, effectively promoting the solution of the problem of loans for small and micro enterprises.

The financing mode makes full use of the information superiority of the industry organization, not only saves the cost of loan management, but also strengthens the enterprise's sense of trustworthiness and law-abiding, and effectively improves the security of credit funds, relying on the guarantee mechanism of the trade organization's credit rating.

Through the signing of strategic cooperation agreement with the industry organizations, the bank has realized the "mass production" of the financing of small and micro enterprises, which has strong operability and can be used for reference in other places.