Wenzhou Green Channel Opens The First Online Financing

Banks are rich enough to lend but they can not find businesses. Small and medium-sized enterprises are unable to get loans without capital requirements. This situation is expected to change.

Yesterday, the launch of online financing through train was held in the Great Hall of the city. The Municipal Economic and Trade Commission and the Minsheng Bank jointly launched the "loan through train". This is the first online financing platform for cooperation between the government and banks in our city, which will provide a "green channel" for banks and enterprises to achieve rapid docking.

Recently, the Municipal Economic and Trade Commission has conducted a capital demand survey of 165 enterprises in many industries, including clothing, smoking appliances, electrical appliances, glasses, shoe leather, automobile and motorcycle fittings. The results show that the demand for funds in recent years has reached 2 billion 210 million yuan, of which 64% are small and medium-sized enterprises already have bank loans, but they can not meet the demand.

In response to this situation, the Municipal Economic and Trade Commission and Minsheng Bank have opened a "through train" yesterday after several discussions and technical debugging.

This winter and next spring, Minsheng Bank will extend about 2 billion yuan to our small and medium-sized enterprises.

If small and medium-sized enterprises in our city have financing needs, they can directly visit the Wenzhou economic and Trade Commission website (http://www.wzjmw.gov.cn/wzjmw/index.html) and click on "Minsheng Bank loan through train" to enter the online loan process.

According to Liu Weidong, general manager of marketing department of Wenzhou Minsheng Bank, the company only needs to fill in the "two tables" -- "enterprise's basic situation table" and "enterprise financing demand table". After the preliminary combing of the Municipal Economic and Trade Commission, the eligible banks will be included in the project repository, and Minsheng Bank will appoint the special person to contact the applicant.

After the examination, the bank will implement the "green channel" and complete the examination and approval within 15 working days.

According to Liu Weidong, the online financing through train jointly opened by banks and government departments is rare in China. At present, he only knows that there are similar online financing channels between Tianjin bank and Tianjin SME Bureau.

The city's economic and Trade Commission said that this is the first online financing platform for cooperation between our government and banks. If this cooperation mode is successful, it will be fully promoted to help more small and medium-sized enterprises to solve the financial difficulties.

The municipal government has organized the docking between banks and enterprises. This is the third time.

Jiang Zengyao, director of the Municipal Economic and Trade Commission, said that at present, there are many difficulties in financing and capital shortage of small and medium-sized enterprises in our city. The docking between banks and enterprises is very timely.

In addition, according to the relevant people of the Municipal Economic and Trade Commission, there is a shortage of liquidity in the small and medium-sized enterprises with good asset quality in our city. They can be directly contacted with the Municipal Economic and Trade Commission's small and medium enterprises or local economic and trade departments, and the Municipal Economic and trade system will provide financing services for them.

It is learnt that our city will continue to carry out the docking activities between banks and enterprises in the near future.

20 small and medium enterprises (SMEs) have been granted 3 billion 100 million yuan in credit, and the small and medium sized enterprises with temporary shortage of liquidity can directly contact the economic and trade departments.

This winter, SMEs generally feel "chill", the most missing is the capital "warm current".

"Save the market" is to save enterprises. This is what Long Yongtu, Secretary General of Boao forum for Asia, said at the opening ceremony of the world's top 500 Wenzhou private enterprise dialogue recently held.

Who will send the carbon in the snow?

Yesterday morning, Xu Jiping, standing committee member and deputy mayor of the municipal Party committee, rushed out two activities, namely, the signing ceremony of the city's SME financing meeting, the municipal government and the Zhejiang branch of the CCB.

He said that the docking between banks and enterprises is undoubtedly the "carbon emission" in the winter.

Yesterday, the Bank of China gave credit to 15 billion yuan to the small and medium-sized enterprises in our city; 13 banks in Wenzhou gave credit to more than 3 billion 100 million yuan for 20 enterprises in our city; Minsheng Bank opened online financing through train, and provided 2 billion yuan loan for SMEs.

Lao Xinjiang, vice president of Zhejiang branch of China Construction Bank, said yesterday that CCB Zhejiang branch will stand together with Wenzhou entrepreneurs to provide services for key enterprises and high-quality small businesses and tide over difficulties.

The leaders of Wenzhou branch of Pudong Development Bank also said yesterday that they will work hand in hand with Wenzhou's small and medium-sized enterprises.

The more difficult it is, the more confidence we need to build up.

Li Guobin, general manager of Jia Jia Li Yuan Yuan Yuan Pump Co., Ltd., with confidence in the signing ceremony of the municipal government and the Zhejiang branch of the CCB, said that the government's concern and the support of the banks will surely get out of the current predicament.

The government is also full of confidence to overcome the current difficulties.

Xu Jiping said yesterday that he had the perseverance of the Wenzhou people and the valuable experience and strength accumulated in the past 30 years of Wenzhou's reform and opening up. He has enough confidence in Wenzhou's economic development.

We believe that as long as the government and enterprises are linked together and the government, banks and enterprises cooperate with each other, the vast number of enterprises in our city will be able to get out of this "winter" as soon as possible and enter the sunny spring.

Yang Jing: editor in charge