Based On The Cotton Industry Cluster To Deepen The Financial Services Of Small And Medium-Sized Enterprises In Counties

< p > Xinjiang's unique photo and heat resources, stable and mature planting technology, make Xinjiang cotton have its own outstanding advantages in terms of yield and quality, which provides unparalleled convenience for Xinjiang's development of cotton industry.

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< p > "my business is growing up with the support of ABC, and there is no agricultural bank which has our business today!"

Sha Ya Fuli cotton limited liability company boss Teng Shimin said with emotion.

Supported by the branch of the Agricultural Bank of Sha Ya for many years, Fuli cotton limited liability company has grown from the original cotton production and processing individual operator to the leader of the Akesu cotton industrial cluster production enterprise.

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< p > giving full play to resource advantages to support county enterprises < /p >

< p > Sha Ya county is an important commercial cotton production base in Xinjiang. The cotton industry is the traditional pillar industry and important livelihood industry in Sha Ya county. Industrial cultivation is not only related to agricultural development, rural stability and farmers' income increase, but also to the strategic deployment of the "textile industrial city" in the whole Akesu area.

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< p > in recent years, with the continuous entry of famous textile enterprises, the industrial cluster of Sha Ya county has developed rapidly, forming a special financial service customer group which integrates Industrial Park, specialized market, small and medium-sized enterprises and private owners. It has become the highest cotton industry base in Xinjiang with the highest industrial agglomeration degree. It has jumped from the big cotton county to Xinjiang's textile industrial county, and the Shuya recycling economic Industrial Park has also been upgraded to an autonomous Industrial Park.

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< p > the Sha Ya sub branch adheres to the characteristic management mentality of "cotton economy driving financial development". Relying on the rapid development of the park and the market, we constantly innovate products, strengthen services, optimize processes and tilt resources, and take measures to support the growth and growth of small and medium-sized enterprises, and inject vitality into the cluster development of SMEs in Sha Ya county.

In the past two years, the sub branch of Sha Ya county has invested more than 800 million yuan in the acquisition and processing of cotton for small and medium enterprises, and has supported a number of small and medium-sized enterprises, such as "heavy contracts, keeping promises" and "credit integrity".

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"P" Sha Ya Fuli cotton Co., Ltd. is a branch of the Agricultural Bank of Sha Ya sub branch "grow with you" support, the loan expanded from the initial 3 million yuan to 120 million yuan, the output value from 6 million yuan to 400 million yuan enterprises, the products are sold all over the country, become the local cotton purchasing processing truly worthy of the lead.

The company grows from small to large, from weak to strong, and continues to grow and grow without inseparable from the strong support of ABC.

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< p > Expand household upgrading project and expand the cotton industry < /p >

< p > > relying on < a href= > http://www.91se91.com > cotton > /a > industry, by promoting small and medium-sized enterprises' "upgrading quality" project, increasing support for a href= "http://www.91se91.com" > cotton acquisition "/a" enterprises, Sha Ya county branch truly implements customer base quality and quantity.

In recent years, various branches of Sha Ya county branches have maintained a good momentum of development, effectively playing the role of Finance in linking the interests of small and medium-sized enterprises with farmers and driving farmers' income increase, and promoting the rapid development of local rural economy.

Cotton income has become an important source of local GDP and farmers' income, generally more than 60%.

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< p > there are many "loyal customers" like Teng Shimin who benefit from ABC's efficient service in the cotton enterprises in Sha Ya county.

In recent years, the sub branch of Sha Ya county has actively built an e-service channel system based on physical service network center, customer service center and news service. With the help of intimate financial channels, it has built a settlement network of customers' "high dependence, high trust and high loyalty". It has strictly implemented the business acceptance, investigation, examination and approval of the limited time system, and solved the urgent need of enterprises at a critical moment.

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< p > 2012, the bank has already provided financial services for 14 cotton small and medium enterprises. Credit supports 8 small and medium-sized cotton enterprises and 560 million yuan for purchase loans.

A cotton industry employment corps, which has 24 cotton purchase and processing enterprises, 34 acquisition points and 34 flower factories, is being formed in Sha Ya county, and has also gained ground for its own development.

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Zhao P, a branch of the Agricultural Bank of Sha ya, said: "in the past, our customers were: what services do we provide, and now our customers are: what services our customers need and what services we can provide."

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< p > optimizing financial services to achieve a win-win situation between banks and enterprises < /p >

< p > < < a href= > http://www.91se91.com > cotton price > /a > fluctuation and strong liquidity in specialized market, the bank conducts on-site visits to key enterprises in the cluster every year, understands business conditions and financing needs in detail, and carefully listens to the opinions of the enterprises on the settlement services, credit services and product prices of the Agricultural Bank.

On this basis, targeted marketing campaigns were launched, and financial solutions were developed from door to door, and differentiated and personalized financial services were carried out.

For Sha Ya Fuli cotton limited liability company, Sha Ya Fu Hong Textile Co., Ltd. and other 7 acquisitions of enterprises opened a "green channel".

At the same time, we should combine quality services with the activities of "striving for excellence", creating "thousand good" and "100 best" demonstration sites, etc., we must pay close attention to civilized norms and meticulous services, and constantly improve the quality and level of service, so that marketing capabilities and value creativity have been significantly improved.

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< p > oriented to agriculture, rural areas and farmers, based on county level, serving the cotton industry.

Along with the further development of the cotton industrial cluster, expanding the marketing idea, optimizing the service measures, highlighting the service charm and realizing the common development with the county industrial cluster economy, the road of win-win cooperation between banks and enterprises will become wider and wider.

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