1. Product features:
1) Product tenet: The Bank will serve small and micro enterprises wholeheartedly and become a leading bank in the field of microfinance in China.
2) Product concept (namely "micro-loan culture"): "Trust creates responsibility, fairness inspires enthusiasm, and service touches customers".
3) Product elements: the loan amount is 5,000 yuan to 2 million yuan (inclusive); The loan term is 3 months to 3 years (inclusive); The guarantee is flexible and no mortgage is required; Convenient procedures and no cost; The examination and approval efficiency is high, and the loan can be released within 2-5 working days.
Second, the product is suitable for the target customer group:
Mainly for micro enterprises, individual industrial and commercial households, farmers and so on. These customers are small in scale, lacking in assets and traditional collateral generally recognized by financial institutions, but at the same time they have the characteristics of continuous cash flow and stable growth. Their main business is directly related to the daily needs of residents, which truly constitutes social and economic operation. Specifically, it includes small grocery stores, small tobacco stalls, small rice noodle shops, small hardware stores, small clothing stores, small pharmacies, small flower shops, small bookstores, small hotels, small wholesalers and small enterprises.
Third, product promotion:
"Beibu Gulf Microfinance" is the flagship brand of the bank's microfinance products. By the end of 20 12, the balance of small loans was 61900,000 yuan, accounting for 20.42%, with an increase of 364 142.84%. A total investment of 654.38+0.056 billion yuan, a total investment of 23,020 households, driving employment of about 230,000 people.
Fourth, successful cases:
Guangxi Jikuan Solar Energy Equipment Co., Ltd. vigorously develops agents and purchases solar energy equipment production materials through small loans in Beibu Gulf. By April of 20 12, the average monthly turnover increased from 375,000 yuan to 550,000 yuan, and the number of dealers increased from 30 to 70. After a year and a half of development, the enterprise has grown into a leading enterprise in the production of solar energy equipment in Guangxi, and won many honors such as Guangxi famous brand solar energy enterprise, Nanning advanced enterprise and vice president unit of Guangxi Solar Energy Association. It can be seen that the characteristics of microfinance are "fast, flexible and convenient", which is very in line with the development of small and micro enterprises. It can be said to keep up with the growth of enterprises, achieve mutual benefit with enterprises, and achieve a win-win situation for both sides.