Small And Micro Garment Enterprises In Wuhan Have Become The "Meat And Potatoes" That Banks Have Scrambled For.

Doing in Hanzheng Street

The boss of the business did not expect that he only made a mortgage with real estate such as shops and so on. He borrowed 3 million yuan from Everbright Bank and used it to open branches.

In the past, Yin boss had to run to the bank many times, and he could not borrow money.

Small and micro enterprises

It is difficult or even impossible to show up in banking business.

Today, the situation is quite different. Small and micro enterprises are becoming the "meat and potatoes" that banks compete for. The banking industry has reshaped the loan assessment method and approval process, and leaned forward to meet the capital needs of small and micro enterprises.

"The interest rate of bank loans is 5 percentage points lower than last year, reaching 12%-13% level, and loans are easier than last year."

Reporters from a number of small and medium enterprises in Optics Valley understand that in the past, a loan from customers to demand for loans at least two or three months, can not meet the small and micro enterprises small, short, frequent, fast capital demand characteristics.

Now a bank has 1 days to go through the examination and approval, 5 days of work, and the interest rate has also been reduced.

Reporters visited several banks in Jiangcheng and found that using standardized products and standardized processes to make small and micro loans is the choice of many banks.

Everbright Bank provides "chain quick loan", a core enterprise can guarantee for many upstream and downstream enterprises. The small and micro enterprises can get the loan of up to 5 million yuan if they provide application forms, income certificates, identity certificates and use certificates. Another kind of "quick loan" can extend the loan period to 10 years, and the loan amount can reach up to 10 million yuan.

Wuhan agricultural commercial bank's micro loan center, the loan amount from 5000 yuan to 500 thousand yuan loan, can also be unsecured, three days will be able to lend, enjoy the benchmark interest rate.

Hankou bank's "micro loan factory" loans for small and micro loans fastest within 5 days.

Why do small bosses suddenly get favoured? The head of a joint-stock bank bluntly said that the bargaining power of large enterprises is strong, interest rates even have to be reduced by 10%~20%, and resources are limited.

Bank lending to small and micro enterprises, interest rates can go up.

After the central bank introduced the new interest rate policy 8 days ago, the bank spreads narrowed. In this context, the pursuit of higher interest rate loans is the direct power of commercial banks to attach importance to small and micro loans.

The head of Wuhan branch said that although the risk of small and medium enterprises is higher in theory, but because of its high profitability, as long as the bad loan rate is controlled well, it can also become a high-quality customer resource.