中小企业资金饥渴 建行主动送贷上门

Small and medium-sized enterprise funds hungry CCB active send door to door

For a long time, small micro enterprise financing difficulties lies in the lack of collateral and the financial situation is not standard. But China construction bank in December last year to launch a called "good be in harmony is borrowed" pure credit loan products. Key collection, evaluation of small micro enterprise of the non-financial indicators, weakening the influence of the financial data, as plain as the main characteristics of the credit, as long as the small micro enterprise conform to the conditions, the bank will take the initiative to send the door, loan without collateral, the pledge will get the amount of 2 million yuan loan.

Construction bank for small and medium-sized enterprise customer Ma Yaping, deputy general manager, said the bank loans to small micro enterprise, must be a degree of certainty in terms of risk-control, "we take the risk in product innovation and design will be moved forward, small business management center will be filtered customers line conform to the terms of the loan, the loan enterprises only need to open a settlement account in construction bank for more than two years, last year's settlement reached hundreds of pens, amount reached 2 million yuan, or average savings of more than 30000 yuan, will comply with loan conditions. Business centre will feedback the information to the network, network call eligible customers, proactively give credit to your door."

"Examination and approval and rapid lending, a simple" score card "can solve the problem of customer evaluation, transplanting can lending." Ma Yaping said.

Thirst for small and medium-sized enterprises in capital cases, the reporter understands, the bank since December last year launched the "good be in harmony is borrowed" products for more than two months, it has accumulated for the province more than 800 paid out nearly $700 million of small micro enterprise credit, in which the average loan amount is in 750000 yuan.

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