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Let Small Businesses No Longer "Bad Money".

2011/7/20 9:27:00 44

We have screened Khorchin cattle Nanyang limited company, and look at who is the main line of cultivation, and the head of the small business department of the Agricultural Bank of China said, "we are the main line of cultivation. We have already had in-depth communication with enterprises. We have already established a communication relationship with the enterprises. We have already communicated with each other for a while. We have been communicating for a while. We will provide better services and more innovative ways of credit for enterprises. The two banks have been arguing for a while. They can not decide for a while." the coordinator of the Credit Department of the Nanyang branch of the Bank of China said that, in fact, the bank can also lend money without affecting it. "Agricultural Bank (601288, stock bar) and CITIC Bank (601998

There are 18 enterprises screened by two or more banks as nurturing objects. Let's take a look at the annotation on the recommendation form and decide on which bank to cultivate the bank.

This is in the morning of the morning of the morning of June 15, 2011, the Central Bank of Nanyang City branch of the city's financial institutions to participate in the "small giant" business credit cultivation and screening coordination meeting, because of "small giant" enterprise screening list appeared many banks repeat the situation of controversy.

The Central Bank of Nanyang has always attached great importance to small and medium-sized enterprises.

Credit window

We should actively guide financial institutions to explore innovative modes of financial services and credit for small and medium-sized enterprises, and increase credit to small businesses through tailor-made ways, effectively meet the needs of financing and settlement of small businesses and other aspects, and have achieved remarkable results. The credit satisfaction of small businesses has been increasing year by year.

As of the end of 6 2011, the balance of small business loans in Nanyang was 14 billion 500 million yuan, an increase of 3 billion 645 million yuan compared with the beginning of the year, accounting for nearly 50% of all new loans in that year. Under the condition that the overall loan growth was weak, the growth rate of small business loans was still 33.58%, maintaining a relatively high growth rate, and meeting the capital needs of small businesses in the largest area to ensure the continuity and stability of the development of small businesses.

In order to reduce the impact of financial difficulties on small businesses, support

Growth type

In May, the central sub branch of the people's Bank of China, based on the arrangement of the superior bank's work, took the implementation of the "small giant" enterprise credit cultivation plan as the starting point. It decided to select 155 small and medium-sized enterprises (small enterprises accounted for more than 70%) as a unit of the municipal financial institutions, and promoted innovation from two aspects: "service" and "credit". Through establishing enterprise directory, launching enterprise financial guidance, implementing credit cultivation, designing comprehensive financing scheme, optimizing the credit approval process, improving the loan interest rate risk pricing system and providing comprehensive financial services, a series of policies and measures were adopted to promote the "small giant" enterprises in Nanyang to enhance their development potential, enhance the small enterprises' access to bank credit funds, increase the scale of financing, optimize the financing structure, and inject new vitality and motivation into the development of Nanyang's small and medium-sized enterprises in Nanyang. The healthy development of small businesses has laid the foundation for local economic growth this year.

We should strive to cultivate a number of backbone small and medium-sized enterprises in the field of industry segmentation, relying on status, sustainable growth ability, high visibility and market share, and create a group of "small giant" clusters, making them the backbone of promoting the upgrading of Nanyang's industrial structure and the strategic adjustment of economic structure.

In order to ensure the smooth implementation of the "giant giant" credit cultivation work, the Central Bank of Nanyang has made strict work procedures from the early stage of its work.

System guarantee

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On the choice of small enterprises, strictly follow the requirements and standards of "small giant" enterprise screening, implement the list of "small giant" enterprises, adhere to the principle that no loan enterprises or no loan balance enterprises and qualified new and medium-sized enterprises do not exceed 30% of the total number, and provide detailed information about the financial information, industry competitive advantages and development goals of enterprises in 2009 and 2010.

At the same time, in order to ensure the coordination and communication of work, we also set up a fast channel for special person to be responsible for communicating with professionals, and to solve the difficulties and problems encountered in the process of nurturing "small giant" enterprises.

In terms of system design, we have established the "small giant" enterprise credit training plan, work measures and work effectiveness reporting system, and the tracking and monitoring system and experience summary and information feedback system of "small giant" enterprise credit cultivation work in Nanyang central sub branch of the people's Bank of China.

The implementation of a series of measures has effectively ensured the effectiveness of credit training for small businesses.

In the process of credit cultivation, the Central Bank branch of the people's Bank of China has established a sound credit cultivation measures, and actively guided financial institutions to carry out financial guidance for enterprises of small giants, implement credit cultivation, design comprehensive financing schemes, optimize the credit approval process, build various forms of service platform, and improve the pricing mechanism of loan interest rate risk, so as to ensure that the "small giant" enterprises really get tangible benefits.

At the same time, we should implement a strong guarantee mechanism, strengthen communication and coordination between government, banking and enterprises through seminars, coordination meetings, bank and enterprise cooperation meetings, urge the government to speed up the construction of a multi-level guarantee system, coordinate financial institutions to broaden the sources of bank funds, and give full play to the constraint role of positive incentives and credit policy evaluation, so as to realize the financial credit capital tilting to small giant enterprises and continuously improving the credit satisfaction of small businesses.