Quanzhou'S Banking Industry Provides High-Value Loans For The Development Of Small And Micro Shoe Enterprises

Since the launch of the "Ten Measures for Quanzhou Banking Industry to Support the Development of Small and Micro Enterprises" activity in early November, Quanzhou small and micro enterprises have received a number of support from the banking industry. The reporter learned from Quanzhou Banking Regulatory Bureau yesterday that by the end of November, 15 banks had signed financing cooperation intentions or cooperation frameworks with 809 enterprises, with a contract amount of 5.721 billion yuan, successfully connecting with 601 households enterprise The trust reached 3.367 billion yuan.

It is reported that after the implementation of the ten measures, seven banking institutions held a bank enterprise matchmaking meeting with a high frequency of three days on average, highlighting the distinctive theme of "regionalization, industrialization and specialization"; Minsheng Bank Quanzhou Branch relies on Shishi Cloth market , Clothing City, Nan'an Plumbing City, Shuitoushi Caicheng , Hui'an Stone Carving City, Jinjiang Shoes City, Anxi Tea Industry, Qingmeng Auto Trade Auto Parts, Quangang Rosewood Furniture and other industrial clusters to build professional marketing platforms; Quanzhou Rural Commercial Bank piloted the establishment of Fengze Chongxunpu "credit community", established credit files and scoring forms for residents (enterprises and merchants), trusted credit communities, and supported small and micro enterprises in batches; Many banks, such as Bank of China and China Construction Bank Quanzhou Branch, have adopted the mode of "intensive management, professional operation and efficient service", innovated the service brand of "credit factory", implemented standardized assembly line operations and improved efficiency; Hui'an Rural Credit Union can lend loans to small enterprises below 10 million yuan in three days at the earliest. A total of 19 small and micro enterprises have obtained loans of 31.7 million yuan through the fast loan review channel.

In terms of innovating financial products for small and micro businesses, banks provide domestic buyer credit, core manufacturer bill discount, equipment mortgage loan and other supply chain financial services for upstream and downstream small and micro businesses to solve the financing bottleneck of small and micro businesses. This mode involves many industries such as commerce, photoelectricity, shoes, textile and clothing, stone industry, plumbing industry, cloth industry, umbrella industry, etc.

All banking institutions have also included intellectual property rights, forest rights and agricultural facilities use rights into the scope of loan mortgages and pledges, developed diversified characteristic products such as "fishery loans", "Dianshi Tongbao", "tea garden mortgages", and made financial services more socialized and inclusive; The launch of a series of products such as youth entrepreneurship loans and women entrepreneurship loans tailored to vulnerable groups has effectively addressed the financial service needs of rural vulnerable groups.