Small And Micro Financial Battleground -- Changshu Clothing City

In Changshu

3.71 square kilometers of land, gathered in the shopping malls, textile trading market, cloth market, hardware market, small commodity market, fashion center, men's clothing center, shoe industry center and other eight large areas, with 34 professional markets, in 2011, the total sales volume of the market reached 80 billion yuan, 28 thousand small and micro businesses registered in the industry and commerce.

In this year's macroeconomic downturn and small and micro enterprises loans more difficult, the demand for small and micro loans in the entire recruitment market is about 6 billion yuan.

In order to better serve small and micro enterprises, financial innovation has become a "magic weapon" between banks and small and micro businesses in Changshu Garment City, where more than 20 banks and small micro finance will compete.

- rented houses can also be pledged with "priority rent right for shops" to borrow money.

Li Shuangshuang's "Han Sen" clothing shop is located on the first floor of Tianhong clothing city in Changshu, and its business area is more than 30 square meters.

There are tens of thousands of shops in Changshu merchants City, this shop is just a very ordinary one.

When reporters came to Li Shuangshuang's shop, people came and went to pick up clothes and checkout packages. The shopkeeper, Li Shuangshuang, was busy making payments with a client.

Li Shuangshuang told reporters that now is the peak season for clothing sales, the amount of clothing sales per day is less than tens of thousands of yuan, more than about one hundred thousand yuan or even hundreds of thousands of yuan, the required liquidity is very large, and her major customers usually are months or even half a year to settle a loan, which will require greater liquidity for her.

Last month, she passed the "priority right of renewal of shops" through the branch of the Minsheng Bank's recruitment mall, and got a loan of about 1000000 yuan, which successfully solved the problem of insufficient liquidity in the near future.

Minsheng Bank Changshu recruitment Mall branch president Chen law told reporters that Changshu clothing city is funded by the government development and construction of the market, merchants from the government through auction to obtain priority right to renew.

"We have pledged this kind of shops' priority right of renewal, with more than 1000 customers at present, and the loan secured in this form is expected to reach 1 billion 500 million yuan this year."

Chen said that the balance of small and micro loans has exceeded 2 billion 400 million yuan in the first half of this year, ranking first among all bank branches in the local clothing city.

Coincidentally, the "Feng Feifei" women's shoes shop on the first floor of the shoe floor of the Changshu shoe center, China's shoe industry, is also applied by the Changshu branch of the Construction Bank to pledge loans by using the "priority right of renewal of shops" of the shop.

Huang Shundao told reporters that at the end of 2006, it was located in bada.

At that time, he spent about 1000000 yuan to get the shop's priority right of renewal.

In order to supplement the liquidity of this year's business, he applied the "priority right of renewal of shops" to the Changshu branch of CCB to apply for pledged loans. "Because the shops normally run better, they borrowed about 2000000 yuan at a time."

For the auction price of about 1000000 yuan at the end of 2006, it was able to borrow about 2000000 yuan. Tang Xiaoyan, vice president of Changshu branch of CCB, thought it was normal.

"On the one hand, the" priority right of renewal of shops "will increase in value. According to our estimate, the shop's priority of" renewal of rent "should exceed 2 million yuan of loans.

Tang Xiaoyan said, on the other hand, after the bank investigation, the operating conditions and financial health of the operating households fully comply with the standard of lending.

- "shop priority right of lease" financing 10 billion 100 million financial innovation to solve small and micro businesses financing problems

Normally, if you want to get a loan from a bank, you must have sufficient collateral.

But by means of financial innovation, the bank can make the rented house to be a collateral with the way of "priority of the lease right of shops", which successfully solved the financial problems of thousands of small and medium-sized households in Changshu clothing city.

"What is priority right for shops?" Chen Meihua, director of the Economic Development Bureau of Changshu Garment City Management Committee, told reporters that the clothing wholesale market under Changshu clothing city group is the largest clothing wholesale market in China, with a business area of about 3 million square meters, and nearly 30 thousand shops in the market, with a turnover exceeding 80 billion yuan in 2011.

With the return of the ownership of the shops, the clothing city group will auction the 40 years' priority leases of the shops, and the filers will have priority and continuous tenancy within 40 years, and each year will sign the lease agreement with the CMC and the annual rent of the shops. This is the "priority right of rehousing for the shops".

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Chen Meihua said, with a dozen square meters of shops as an example, the price of "priority rent right for shops" has been sold up to about 3000000 yuan.

But in order to win the "priority renewal right" of a shop in the clothing wholesale market, these households have almost gone out, but when they are in urgent need of the loan to do business more, they find that the related business in the bank is generally secured by housing, factory buildings and land use rights.

To this end, the Changshu clothing City Management Committee and Changshou City related commercial banks have carried out the attempt to mortgage loan priority.

Minsheng Bank branch manager Chen law told reporters that due to the huge impact of the merchants clothing city, many local businesses, one shop was hard to find, which led to the surge of shops' leased prices in recent years, and the risk of loans through the "priority right of shops" was very small. Therefore, when they settled here, they increased the credit supply.

In the interview, the reporter learned that, as a new type of guarantee, the effect of "priority right of shops" is not clearly stipulated in law, and some commercial banks have been worried about it.

However, in 2011, an operator in the garment city failed to pay the loan according to the contract, and the bank complained to the court. The Changshu Court confirmed the validity of the contract and ordered the debtor to perform his obligations according to his promise.

The Court confirmed that the validity of the contract of "priority right of renewal of shops" undoubtedly made the bank's financial innovation a reassurance.

"Up to now, more than 4600 operators in the market of Changshu garment city group have raised the amount of financing by breaking 10 billion yuan through the pledge of" priority right of shops "to a number of financial institutions.

Chen Meihua said that the financial innovation of the pledge financing of "priority right of shops" has solved the financing problem for the market operators, and is a win-win for banks and operators.

- star rating "cooperatives" embrace "credit" can change true gold and silver.

In the clothing city of Changshu, commercial banks serve the business owners through financial innovation far more than the mode of mortgage loan of "priority right of renewal of shops".

Just last week, it was also operating in Changshu.

Lin Ruijie of the business, when entering a batch of about 300 thousand yuan goods, did not use cash, but gently brushed the platinum credit card in the hands of the ICBC, and paid the money smoothly.

"This credit card in my hand has an overdraft credit limit of up to 500 thousand yuan."

Lin Ruijie told reporters that when he used to buy goods, he used cash, and sometimes when he was short of liquidity, he was careful.

But now, with this credit card, he can not only solve his financial problems to a large extent, but also have an interest free period of about 1 months.

And Lin Ruijie can get such a huge "benefit" is entirely that he won the industrial and Commercial Bank of China recognized "credit" of individual businesses.

Lin Ruijie is a good customer of our bank.

Last week, Lin Ruijie, head of the Changshu branch of the ICBC, told an interview with our reporter that he had many years of business cooperation with his bank. Besides his good business, his personal credit was relatively good. He had never been in arrears or postponed repayment. He was rated as a star dealer in ICBC. For this reason, ICBC sent him a platinum credit card of 500 thousand yuan.

"We Changshu ICBC, according to the different star standards of customers in Changshu clothing city, can give these customers 10-70 yuan credit card credit limit."

Shang Jian told reporters that in order to better serve the individual businesses in Changshu's clothing city, in April 2012, with the full support of the industry and Commerce Department, the Changshu Garment City Management Committee and the Changshu branch of ICBC signed a memorandum of understanding on "integrity merchants" financial services cooperation.

According to the agreement, the "star credit merchants" assessed by the Changshu clothing city management committee should be awarded different credit lines according to the different stars of the honest merchants. The three star credit merchants can get the maximum credit amount of 1 million yuan, and the credit loan can be directly used for the personal credit of Star credit merchants.

"The credit rating of individual industrial and commercial households has directly pformed into the real gold and silver of boosting development, which is the first time in the banking industry.

At present, the relevant documents of integrity loan have been reported to ICBC Suzhou branch, and it is estimated that it will be implemented immediately after approved in July.

In addition to the "credit merchants" can get credit loans, last month, Minsheng Bank led the establishment of the first municipal small and micro enterprise city business cooperatives established in Suzhou, Minsheng Bank Changshu branch of the shopping mall branch received the license of cooperatives Branch.

"Minsheng Bank will provide cooperative financial services for cooperative members, such as" credit loan "," credit clearing "," iron brothers "mutual aid, and civil and commercial cards.

Xu Lidong, general manager of small and micro finance department of Suzhou branch of Minsheng Bank, said that three of the four financial products provided by cooperatives were credit products.

"Now small and micro enterprises financing difficulties, some enterprises credit line after the use of continuous credit difficulties, members of cooperatives only pay a certain margin, the bank will enlarge the credit multiplier, enterprises do not need to go to private lending."

"Cooperative gold mine" not only provides financing services to small and micro enterprises, but also includes a series of financial services, such as payment and settlement, wealth management and private banking, which will further improve service clothing city.

Ability. "

Minsheng Bank Changshu recruitment Mall branch Chen law governor said.