注血小微企业 建行力拔头筹

Note blood small micro enterprise CCB strength

Since 2011, the turmoil of the global economy to China's economic operation also many "discomfort" symptoms. For foreign capital and external dependency is higher in shenzhen is more for peripheral situation is highly sensitive. But shenzhen itself and lead the direction of China's economic transformation and upgrading, in this process, small micro enterprise financing problems had become the bottleneck of economic development, the most obvious.

Since last year, the financial ecological there has been a marked change. Financial capital began to vigorously support the development of small micro enterprises. In shenzhen, China construction bank shenzhen branch will small micro enterprise loan ascend to the height of the whole development strategy, to the local small micro enterprise loan balance, TouFangE and total number of clients are ranked first. In local small micro enterprises to seek financial support, the construction bank has become the preferred solutions provider.

1

Traditional industries, promote the brand

Tea line can become big business

Shenzhen GuChun leisurely tea co., LTD. Is China construction bank shenzhen branch in the town of longhua station tea first small micro enterprise customers. Now have six tea line in shenzhen. Tasting, consulting and the sale in a body. After years of uncompromising attention, has become a well-known brand in the field of green tea.

Bubble up a pot of green tea, the company general manager Kong Xiaocheng, tea industry of small businesses to take more stable operation, and maintenance of style, do millions of businesses, rarely need to bank loans. Especially before 2011 for nearly 10 years, the market is steady. But by the end of 2011, he found that the tea market in accelerating obviously, "don't enclosure is weak." This is Kong Xiaocheng judgment.

Longgang branch is at this point, the CCB account manager to find him. Kong Xiaocheng before that in green tea have been more than a year of brand management, produced results, trying to expand. Hit it off after manager Tang Haifeng communication with customers. But Kong Xiaocheng introduction, if you want to do tea business, especially to make a good brand, not too urgent. Do tea is need a lot of talent, tea art teacher is a very pay attention to the art of living, cultivate a mature tea art teacher takes a year. Even if the expansion, is slow to expand steadily. This is to try the patience of a bank customer manager.

Kong Xiaocheng only loans of 800000 yuan for the first time. But to this year's loans have ascended to 1.5 million yuan. For tea industry, every year on March 20th to April 20 tea plucking period, is the most concentrated in time. Most of the procurement needs to be paid in cash. GuChun leisurely in shenzhen this year budget to purchase quantity of 7, eight million yuan.

Picking, processing and distribution of the whole process takes about 15 days, but the back end sales tend to done in future one year. "A large, long payback" is their characteristic of the industry.

Responsible for north station tea city credit business of CCB longgang sub-branch, assistant to introduce RenBin, they start at the end of 2011 to develop north station tea city credit business, lending in 2012, 15 million yuan; In 2013, the goal is to achieve the scale of 30 million yuan of above.

Kong Xiaocheng said, before connecting with CCB, if he have a cash flow needs, often through relatively private borrowing, interest rate is limited to one per month, cycle around one or two years. Current construction bank loan interest rate is far lower than this, and professional customer manager and branch, branch regularly to provide some useful information and industry consultation services.

Kong Xiaocheng plan is: the next three to five years, from six branches extended to 20 branches; Further strengthen the brand and marketing; Through improved technology for product promotion. And this process of growing up to the brand, CCB small micro enterprise service personnel will participate. "They know the brand in the course of evolution from all walks of life more, can offer me very good help." Kong Xiaocheng said.

2

Long-term foster emerging industries

Power grow fastest animation company in shenzhen

Shenzhen is a city focus on animation industry in China. But in luohu district animation base, there are still a lot of small micro chips anime entrepreneurial companies are still struggling. Joy anime is a rapidly growing up in recent years. Its growth is closely connected with construction bank's long-term support.

Joy anime Wang Guilin introduction, general manager, the company is growing. Early-stage venture three agreed at the beginning of "don't abandon don't give up", in 2001 they felt the pressure of funds, began to have loan demand. At that time, in addition to the construction bank, a commercial bank also established contact with them soon and lending. But in the subsequent docking, they feel better construction bank in financial services.

"China construction bank, all kinds of promotion in many suitable for our meeting, will be thinking of us and invited us to attend. Tailor made specifically for our meeting also have a lot of." Wang Guilin, said she could feel from this CCB's support to small business growth, rather than just positioning himself in the role of lenders.

Do the animation industry companies often do not have a mortgage, only in the copyright and other virtual assets as collateral. For Banks with higher risk, also need to better identify. Wang Guilin think the vigorously support, CCB done and well control the risk of their own. Customer manager Yang month two times a week to run enterprises. "On the cash flow they will follow up according to the facts and look at our money in where, whether to have effect, and timely reporting branches, such regulation is good for our own." Wang Guilin said.

And in the diversity of follow-up service, the construction bank is good be in harmony business also let Wang Guilin felt further cooperation space. At present there are more than 50 product joy anime on the good business promotion and sales.

According to understand, happiness cartoon loans 5 million yuan in 2010, 2011 loans of 8 million yuan, to 2012 in loans have got 18 million yuan. Wang Guilin introduction, the company already has 5000 minutes of animation, sales reached 45 million yuan in 2012. For CCB, tencent, promotional film production companies such as citic has tens of millions of dollars of revenue. And long production of animation, shenzhen huaqiang group than only at the moment.

"Animation industry whole process of operation, there must be backed by strong capital. Any a project, money does not reach the designated position is not to touch." Wang Guilin said, run up to now, she is the most stressed is people should be grateful. Support for construction bank in the process of growth in the company, can't forget. There development model, support a lot of capital to enter the joy of anime, but they love most is the construction bank that can provide long-term and trustworthy services to financial institutions.

Low control strategy

The first casting market

Small micro enterprise is an important economic element, as small and medium-sized enterprises in China are the most densely populated and one of the most active city development, at present, a total of small and medium-sized enterprises in shenzhen more than 40 m, which is over 9 into a total enterprise in the city. CCB according to overall strategic positioning, combined with the feature of small micro enterprise business, put forward the concept of "community financial" service, and clear the small micro enterprise business to "retail" and "XiaoEHua" transformation, and constantly consolidate customer base, focus on developing small micro enterprise business, make the limited credit resources, support services more small micro enterprise customer group.

CCB shenzhen branch of the traditionally manage national basic construction, medium - and long-term loans as the main features, and customer structure mainly large and medium-sized enterprises. After arrival branch liujun President, recognize the small micro enterprise, especially in the service of "food and clothing live line" small micro enterprise survival and development space is huge, instructions for small micro enterprise development put forward the "meticulous, strong operability of the system solutions". After in-depth research, the initiative to understand and study the characteristics and small micro enterprise financing demand, CCB shenzhen branch to change traditional model of management system, marketing services to large and medium-sized enterprises and service process, due to the small change, in the service of small micro enterprise organizational structure, mechanism, human resources system, the approval process, credit products and post-loan management innovation, and actively explore to adapt to the small micro enterprise development, and new mode accords with the practice of Banks in the financial services, created a large banking services to small businesses.

Shenzhen construction bank since 2011, has held 6 times of small micro enterprise business symposium, each year in the first meeting is the small micro enterprise project meeting. CCB is gradually will fully reflect the shenzhen small micro enterprises as a strategic business attaches great importance to them.

CCB shenzhen branch of the small micro enterprise expand the big increase in the number. As of late 2012, the shenzhen branch of the small micro enterprise business credit total 43.673 billion yuan, 9.161 billion yuan from a year earlier, he brought to total credit account for 13. 52%; Small business loan balance 242. 7.3 billion yuan, increased by 7.334 billion yuan from a year earlier. Small micro enterprise credit customer 2291, accounts for approaches to credit the customer total 70.93%; The pure new small micro enterprise guest 1 8 1, than last year with 46.22% growth; Small business lending of 18.625 billion yuan. Shenzhen CCB is currently more than 120 outlets, operating small micro enterprise credit business up to more than 300 customer manager.

2012 CCB shenzhen branch in the local Banks, small micro enterprise loan balance, TouFangE and total number of clients are ranked first.

* in the future

To strengthen the construction of channels and promoting mass marketing platform

In order to adapt to small micro enterprise development marketing model change accordingly, CCB shenzhen branch out relying on the "two sessions twice" (two refers to the chamber of commerce and associations, two circle refers to the business circle and circle of customers) mass marketing customer model, through two sessions of two circle, platform building, "how fast to save" development of small micro enterprises. Two sessions of two circle, has become a small micro enterprise development an important battlefield.

Shenzhen CCB also provide financing services for professional market. In China construction bank shenzhen branch north business circle, east gate commercial circle, west jewelry city and earth city annatto raw material market, the south China city city, professional market SunGang household act the role ofing is tasted, not only of markets onstar (sea) and antique city CPPCC two laps customers under the premise of full investigation, combined with the different needs of customers, the professional market to design the package of services, to provide integrated solutions. From loan services, through the professional market owner guarantee, "shang yi" loan syndication coinsurance, syndication help protect, mortgage amplification and credit credit, and businesses can be through the company to apply for the small business financing. Can also be used by individuals for personal business loans. On the settlement services, CCB to provide targeted portfolio of products. To EPO S, settlement, credit CARDS, online banking, mobile banking, and other products as the foundation, combine multiple service plans, to provide fast, preferential services to merchants, especially designed for individual merchants fund settlement of settlement business, cheap, flexible, multi-channel support packages, and mass transfer.