2018-08-29 14:57 | Zhejiang news client is carried | Reporter Xu is unconscious
"Congratulation! You go ' 3 be in harmony 3 achieve ' party of small small finance builds working law to obtain batch of provincial standardization pilot project approving. " recently, subsidiary bank of state of station of bank of Zhejiang peaceful grand harvested a coming from the good news of bureau of qualitative inspect of road bridge area.
"' 3 be in harmony 3 achieve ' after party of small small finance builds working law to obtain batch of project approving, we can make persistent efforts, through the 2 effort that come 3 years, in finance domain and even form in two new companies but duplicate, propagable standardizes mode, city of state of the stage that help strength makes banking of small small company serve area of reform innovation experiment. " Yuan Zhiwei of president of subsidiary bank of state of station of bank of Zhejiang peaceful grand says.
Road bridge regards stage city as the main component of division of test of level of state of reform of small small finance, in recent years, the banking inside area under administration is in area appoint, below the leader of district government, closely around the service hypostatic economy, prevent control financial venture, deepen finance to reform 3 tasks, ceaseless innovation serves supply, make countryside revitalize small small finance to develop " new engine " .
Politics silver hand in hand " infuse flowing water "
Before streak, a mechanical company takes road bridge area brushstroke of bank of bridge farming merchant 2 million yuan " family silver is connected " after loan, go to its investment instantly among research and development of science and technology and production. Company controller laughs at character: "This loan measures a body for us namely simply custom-built! "This loan measures a body for us namely simply custom-built!!
Up to by July, farming merchant bank already was road bridge 101 science and technology industry provides loan 570 million yuan, among them, remaining sum of loan of intellectual property impawn 22.5 million yuan, reduced an enterprise effectively to carry the 2-3% that keeps cost.
Small small group is the fresh troops of road bridge economy, the prefectural class division that the whole nation owns bank of 4 places legal person exclusively is road bridge. To defeat Jie Xiaowei industry financing lacks the issue of pawn, the trade mark that bridge area still made the road be popularized in the whole nation is special mode of authority impawn financing.
"This is the another innovation move that the market monitors management to serve small small finance, leave stage, tai Longyin popularizes brand energetically soon special right impawn borrows money, widen effectively channel of financing of small small company. " at the beginning of June, yuan Zhiwei and region market supervise management board to be communicated through many, facilitated " small small money market supervises management to serve base " and " service station of small small finance " hold water formally, mean finance of my Ou Xiaowei to work " make still further progress " .
It is reported, road bridge area is existing be in enterprise 67218, among them small small company is occupied than amounting to 90% much, they are in position of developing of road bridge economy is self-evident. In recent years, base oneself upon of road bridge area " Pu Hui " , focusing " small small " , with respect to impawn of trade mark right loan is aided pushed development of small small company to undertake beneficial exploration. Came 2015 this year first half of the year, whole area deals with impawn of trade mark right in all 230, extend loan 679 million yuan, go in whole town front row.
Capital serves " remove irritated care "
Late on August 10, CCTV-2 " economic information broadcast over a radio network " with " do borrow equipment new upgrade to promote efficiency to Zhang in real time " for the problem, reported stage state bank comes to run borrowed course for small small company. And this, be stage state bank is fulfilled " run at most " and " two run 3 fall " strong move.
"The business busy, business is much, be badly in need of capital of have enough to meet need, go to a bank handling loan, much, time grows formalities is a difficult problem. " Jin Qing presses down lathe of a numerical control to produce company controller Huang Yonghua says.
To this, specialize in as mainland small the stage state bank of small financial orgnaization is rolled out " little profound shift does wisdom borrow " service, to small small finance the service presses " speed bolts " . "This loan of client Huang Yonghua, come to deal with by client manager, make an appointment with to investigation, autograph from application, loan, whole technological process is done calm, the client need not run bank! " ease tells the client manager Li Xuan of clear subbranch of a bank of gold of stage state bank the reporter.
Dropping a business respect of intermediate link cost, stage state bank explores " free bank " policy saved daily expenses and operation cost for small small company; To lower a threshold, allow a company " take part in a battle with light packs " , roll out early or late " the village gets together to borrow · easily to promote farming card " " business wins · to be borrowed easily " etc " along with borrow along with still " product.
Not come singly but in pairs, road bridge of farming merchant bank " the enterprise is borrowed circularly " serving small small company to go up, examine and approve, follow inside 3 years borrow along with still, can get credit fund through site ark face or self-help channel, loan specified amount is spent do not exceed 5 million yuan commonly. By this one characteristic, up to by July, tack of this small small company is made an appointment with " the enterprise is borrowed circularly " have 141, the autograph gives letter amount about 85.04 million yuan, can significant contented business produces management circulating fund requirement daily. And to alleviate small small company expires to still shift pressure, push a small small company " cross the bridge " financing cost, this innovation is optimized " payment of interest is borrowed circularly " wait to borrow a product without add of repayment of capital, had saved cost of more than yuan of 30 have enough to meet need that build the bridge for small small company.
Policy gives power " pull wires builds the bridge "
On August 18, the silver-colored meeting that keep watch is released " the announcement that job of good about be being done further credit promotes a service hypostatic economy qualitative effect " . From the point of the main content of the announcement, the credit that urges a bank to increase pair of hypostatic economy puts in the Chongzhongzhi that makes superintendency work to weigh.
Actually, national support is little small apiration is not two this years ability has, rolled out to function branch from the State Council multinomial the policy that gives aid to small small company grows, more concentrated this year: In March, silver-colored inspect is met print and distribute " Chinese silver-colored inspect is met general office the announcement that about driving banking 2018 banking of small small company serves high quality to develop " ; In June, the country publishs policy continuously " save small small company " the action, the Central Bank announces directional fall accurate, release fund of little small credit to make an appointment with 200 billion yuan...
Afore-mentioned a variety of policy, it is to be small small company and commercial bank undoubtedly " pull wires builds the bridge " . "We assure to see small small company difficult problem, protect fund collaboration actively with letter of stage state city. Up to by July, ' small small letter is protected ' solved small company of 150 wife and children assure difficult problem. " Li Ya of Guo of president of farming merchant bank says road bridge.
Cover a range to enlarge small small finance, farming merchant bank begins road bridge reseau of small small company changes construction. With " area is enclothed completely, the enterprise touchs completely, garden area masters completely " for the target, differentiate by physical site reseau, to the enterprise inside reseau executive batch gives a letter, offer convenient financing serves. Up to by July, already should visit a company all right 1861, establish intranet standard 50 many, add the company that build archives newly 458, add the company that give a letter newly 325.
These year come, bank of person of area inland method from found beginning is done only " dicker " , grow in all with native land small small company. Begin from March 30, road bridge area the finance company appeal in the government sector issues specified number of business ministry of 8 25 19 banks orgnaization, insurance device, negotiable securities, 4 wife and children, walk into workshop of small small company, understand business demand, specific aim ground is offerred for the enterprise " private order make " loan product.
With " financial water " irrigate " industrial field " . Area banking does director Hong Yan to make the same score tell a reporter: "Financial orgnaization should act on a gleam of to catch implement an idea, understand the problem that small small company is growing and produces management respect existence in time, offer for the enterprise face-to-face thereby ' mom type ' essence of life serves definitely. Offer for the enterprise face-to-face thereby ' mom type ' essence of life serves definitely..
