Great Wall net on July 24 dispatch (Feng Lihua of reporter of learn on job) on July 13, in Baoding city north inside garden of science and technology of 2 annulus university, china achieving Zhao Jianjun of general manager of electric limited company is happy ground tells a reporter completely: "The Agriculture Bank dealt with small company circulating fund to borrow money for us 8 million yuan. Be in just, this capital assembled company account, the project that uses Yu Xinzhong label, development of the company that help strength strides new chance to extricateoneself from an awkward position steadily, make me dye-in-the-wood to confidence of company future development. Make me dye-in-the-wood to confidence of company future development..
Current, baoding high new developed area was built what with national level poineering service center, productivity promotes a center to be a delegate is medium or small system of innovation of development of business of science and technology, in this science and technology hatch of innovation medium and small businesses is mixed breed base inside, into 947 medium and small businesses that be stationed in company of new and high technology is occupied 85% . Accurate focusing of financial essence of life is small small company, how to open new phase of financing of science and technology small small company? The reporter undertook interviewing at this point.
The Li Yan that lives in center of bright phearl beautiful (right) in Baoding east city Agriculture Bank seeks advice downstage. Feng Lihua is photographed
Financing bad science and technology " small do not nod " the enterprise is faced with development bottleneck
"The circulating fund no more than that solves an enterprise two roads: Seek kin friend borrow or lend money or seek bank loan. " the financing circumstance that combs an enterprise to grow 10 years to come, zhao Jianjun has feeling ground to introduce quite, "2008, china achieve electric at the beginning of holding water, when needing have enough to meet need of 200 thousand capital, I can choose Xiang Qinpeng short-term loan, 2016, china achieve electric enter fast hair exhibition period, have enough to meet need of capital of the ten million on need, need to seek a bank at this moment leasehold. Borrowed money in June 2016 4.8 million yuan, borrowed money in July 2017 7 million yuan, borrowed money this year in July 8 million yuan, if do not have a bank to strengthen product innovation, service innovation and channel innovation ceaselessly, thanks to silver-colored behavior enterprise ' oxygen therapy hematopoiesis ' . Thanks to silver-colored behavior enterprise ' oxygen therapy hematopoiesis ' ..
"Fund cannot run normally, will restrict the development of the enterprise, the life and death that affects a business even lives or die. " be management science and technology enterprise likewise Zhang Jun says, because return a money not seasonable, be badly in need of borrowing money to the bank 6 million, such circumstance, an exemple is not in small small company. "Small do not nod " the problem long-standing with industry difficult financing, picture China achieve electric financing of such science and technology small small company is more extremely difficult. Science and technology " small do not nod " does industry financing difficult crucial point where? Baoding Agriculture Bank 3 farming to department of public professional work Wang Xiaodong of vise general manager tells a reporter, the development feature of small small company is apparent, developing initial stage mostly, fixed assets throws inadequacy, had not achieved essence of life to refine on management, standardization, financial management is still diseased, and innovation of partial science and technology enterprise pursues small capital fund to develop a concept, cause when financing, a lot of enterprises are offerred hard full specified amount, lawful assure content, cannot be opposite with active bank credit policy receive.
Baoding China achieves employee of electric limited company to busying device of check of make one's rounds of intelligence of system of power of production, treatment. Feng Lihua is photographed
Piece " real action " with all possible means join forces is small small company " blood transfusion vivid arteries and veins "
Dimensions the small small company with small, much amount is called to be hypostatic economy " blood capillary " , "Blood capillary " expedite, the relation is worn the healthy circumstance of hypostatic economy whole.
Develop to support further and encourage medium and small businesses, advance industry of new and high technology to upgrade continuously, improve the credit environment of medium and small businesses, alleviate the financing that has science and technology of tall growing sex medium and small businesses is difficult, development of estate of new and high technology runs Baoding country committee (the following abbreviation " new and high area is in charge of appoint meeting " ) hit " assorted fist " . "Take the lead by the government hold water assure company, to the small small company with insufficient pawn, by assure the company assures borrow money to banking orgnaization, this is to assure currently the trade is the most typical run mode. Government, assure the joint efforts such as orgnaization, bank, small small company, promoted financing to assure further industry health develops. " Baoding east Introduction Wu Jun goes to president of city Agriculture Bank, through perfecting processing structure, normative operation manages, baoding high new developed area is in charge of appoint meeting sum is contributive established financing of cereal of report of Baoding high new developed area assure limited company. This registers capital to be a RMB 300 million yuan company, by Baoding new and high area is in charge of appoint can fulfil contributive person obligation, on behalf of the government state-owned to the company asset carries out supervisory management, basically offer financing sex to assure for medium and small businesses.
The government adds letter respect to acting important role for small small company, silver-colored behavior enterprise obtained capital to offer necessary finance to support. "Give aid to the development of small small company, the loan that the government adopts orgnaization of pair of banks, finance rises add a letter, for small small company ' blood transfusion vivid arteries and veins ' , it is to solve an enterprise the exert oneself dot of real difficult problem. " Baoding east Li Fuyong of assistant president of city Agriculture Bank thinks, send force simultaneously with all possible means, short-term looking is to solving difficult problem of financing of small small company, looking for a long time is to drive assure the industry produces effect adequately in credit domain, can let finance support hypostatic economy development better.
Baoding east staff member of city Agriculture Bank is conducting business for the citizen. Feng Lihua is photographed
Change direction " small " finance of benefit of Agriculture Bank general is the people's livelihood
"Inside 10 days, for China achieve electric put circulating fund on to borrow money 8 million yuan. " Baoding east Wu Jun of president of city Agriculture Bank introduces, face a client to use a pressing case, the Agriculture Bank is taken out " tantivy is asked " working manner, fulfil " short smooth fast " working style, "Seek standard service target, perfect product system, allow the financial service to small small company more essence of life is accurate, we are in such doing all the time. We are in such doing all the time..
The finance that whole promotes small small company serves ability, the key is to enhance a service to permeate ability. How to sink service centre of gravity, go to truly " small " on turn? Sly Jing Zhi introduces chief of department of career of banking of benefit of general of branch of Heibei of Inc. of Chinese agriculture bank, the finance that branch of Agriculture Bank Heibei promotes small small company from whole of face of tripartite of system, orgnaization, mechanism serves ability, enhance a service to permeate ability, true implementation " raise small, small " . It is to establish department of career of general benefit banking. Union is completely provincial set an orgnaization to optimize tone full employment to arrange, branch of 12 2 class all created department of career of general benefit banking, retain truly business of banking of benefit of general of sufficient personnel service. 2 it is to do solid specialize in an orgnaization. Our bank made general benefit finance specialize in an orgnaization to serve program, reach in 2 class branch specialize in an orgnaization in order to set Li Puhui finance, legal person small small company is reached individual and industrial and commercial the proprietor of an enterprise serves as a He Xiaowei main or the key serves a target, fulfil special group and full-time post, efficient provide financial service. Next, branch of Agriculture Bank Heibei will accelerate general benefit finance specialized integrated service, special statistic business accounting, specialized risk management, special resource configuration, special assessment assessment " 5 private plane are made " construction, advance ministry of career of general benefit banking to specialization energetically management.
