建行首创小微企业助保贷业务

CCB first help protect small micro enterprise loan business

A mechanical manufacturing company founded in 2005, changsha hunan environmental protection science and technology industry garden is one of the many small and medium-sized enterprises. In early 2013, the enterprises are in urgent need of a liquidity, but apply for bank loans, cycle is long and requires large amount of collateral, not only in understanding to the iron silver industrial park with construction bank changsha branch signed a "help the insurancepolicy loan business cooperation agreement after, enterprise will hold try attitude, head to the park submitted" help protect borrowed "application. Less than 2 weeks time, the company has received a 4 million yuan loan.

The reporter understands in China construction bank hunan branch, small micro enterprise "to help keep credit" business is to satisfy customers more small micro enterprise financing needs. Based on the enterprise guarantees to provide a certain percentage of the, pay a small amount to help insurance gold by the enterprise and risk compensation fund provided by the government "risk pools" as a means of credit, the credit business, bank according to the amount of pool, according to certain proportion amplification to provide credit support for small micro enterprise customers.

"At present the biggest problem for small micro enterprise financing is difficult," to help keep credit "to form a pool of funds, paid for by park to participate in the said from a certain extent, not only for logistics enterprise to provide good service and also help enterprises to develop." Made yuhua district in changsha economic development zone committee member, deputy director of the management committee, Mr Li said.

To apply for "help protect borrowed" products, by the good application of the park "first pass", to a large extent reduce the risk of the bank, help to solve the risk of bank and enterprise information asymmetry. For small micro enterprise, due to the existence of the risk pool, combined with the bank assumes the credit risk exposure, effectively solve the enterprise financing guarantee mortgage difficult problem, make customer's own loans more easily. At the same time, "to help keep credit" products more efficient, lower cost, effective in support of enterprise development and at the same time, also contributes to the development of the park, to realize the benign circulation of blood.

As hunan province first successful grant "help protect borrowed" products of the bank, construction bank of changsha iron silver branch, head of the small business center think: China construction bank "to help keep credit" products should be in a stage of rapid development of industrial park of small micro enterprises with fewer, fixed assets and the financing demand is the most suitable products. Enterprise financing cost is low, the procedure is simple. At the same time, through the government to lay a foundation to establish risk compensation fund, the recommended customers, close the relationship between bank and government, silver, government, enterprises to achieve win-win-win.