Among the investment of 6.5438+0.6 million yuan, the crucial loan of 6.5438+0.0 million yuan comes from the "first loan financing" of small and micro enterprises in Changzhou.
In 20021year, Changzhou deepened the development of inclusive finance, and the Municipal Banking Insurance Regulatory Bureau organized the first loan attack, focusing on the non-loan households with financing needs in the previous "100,000 enterprises" activities, making efforts to solve the two major pain points in the financing problem: the difficulty of financing guarantee for 3354 and the asymmetry of information, and continuously expanding the coverage of financial services for small and micro enterprises. In 20021year, Changzhou added 6.418 first loan enterprises and 657 1 household with an amount of 361.1.60 billion yuan, which helped the development of enterprises.
Risk * * *, the loan threshold is lower.
In recent years, Jianlin glass fiber is facing upgrading, but financing is not easy. The factory building is rented, and the depreciation rate of several original equipment is very high, so it cannot be used for bank mortgage. Tang Jian had to give up the idea of borrowing money from the bank.
The dilemma of Jianlin fiberglass is not a case. Of more than 240,000 enterprises in Changzhou, only 10% had loans before 202 1. Leo Chou, director of the bancassurance department of Changzhou Financial Supervision Bureau, said that it is understood that many enterprises have different financing needs.
What affects the enthusiasm of banks to lend?
"The guarantee is difficult." The heads of many local banks admitted that the loan income of small and micro enterprises is not high, and the bad debt rate is higher than that of key enterprises, which makes banks afraid to lend easily. Some newly established and relatively small-scale enterprises, even if they have development potential, can only be blocked out because of lack of protection.
In July of 20021year, Jianlin glass fiber ushered in a good news. "The Municipal Finance Bureau and other four departments jointly launched a credit guarantee loan product for non-loan households-'first loan financing'. Only the legal representative is jointly and severally liable and can apply for a loan without corporate mortgage. " Xie Fujun, the account manager of a local bank, took the initiative to come to the door to negotiate.
After understanding the policy, Tang Jian quickly registered on the Changzhou Innovation and Entrepreneurship Financial Service Platform and submitted the first loan application of 6,543,800 yuan. On the same day, the bank staff came to the scene to conduct due diligence. A few days later, the money arrived in the company account.
Since 20 19, in view of the fact that most small and micro enterprises have no loans in banks, Changzhou has set up a "first loan financing" risk compensation fund with an initial scale of 1 100 million yuan, which conforms to the national financing guarantee fund policy, gives full play to the guiding role and leverage effect of financial funds, and breaks through the "last mile" of financing difficulties for first loan enterprises.
Xie Fujun introduced that taking the Jianlin fiberglass loan of 6.5438+0.00 million yuan as an example, bad debts occurred. The city's "first loan financing" risk compensation fund shared 6.5438+0.00 million yuan, the state-owned fund supported 200,000 yuan, the provincial financial special support was 6.5438+0.8 million yuan, the provincial re-guarantee company shared 6.5438+0.2 million yuan, and the market-oriented guarantee company shared 200,000 yuan. The bank only needs to bear the loss of 200,000 yuan and interest. At present, there are no bad debts in the "first loan financing". In the event of bad debts, banks and other institutions shall bear the capital risk in proportion first, and then recover from the enterprise according to law, and the legal representative of the enterprise shall bear personal joint and several liability.
"This risk-taking mechanism has reduced the worries of banks and greatly improved the enthusiasm of expanding the first loan households." Xie Fujun said that the "first loan financing" is for all non-loan enterprises in the city, and the threshold for loan enterprises is further reduced.
Accurate "Portrait" and Efficient Positioning of Enterprises
Compared with manufacturing, small and micro enterprises
"Banks do not understand and are uncertain about the information of enterprises, which is also the reason why it is difficult for small and micro enterprises to raise funds." Qian Jun, deputy general manager of Changzhou Enterprise Credit Information Service Co., Ltd. introduced that since 20 16 years, Changzhou has continuously promoted the construction of enterprise credit information platform, created data models through scientific and technological means, and collected the annual government affairs information of 2 1 related departments, such as taxation, environmental protection and human society, so as to draw a "portrait" of integrity for more than 240,000 enterprises in the city and let banks understand enterprises more objectively and efficiently.
As a member of the pilot bank, in 20021year, Chen received the list of the first batch of 500 enterprises pushed by Changzhou Credit Information Company. The list shows that Jingwei Company is a non-lender, with stable operation, normal tax payment and good credit score. When he found Yang Wenyu, the head of Jingwei Company, the other party admitted that the company was at the crossroads of development and needed financial support.
"We want to increase the number of employees, acquire equipment and enter a larger market, but we have encountered several nails in the loan." Yang Wenyu said. The "fixed-term credit" pilot product 3354 introduced by Chen is another important financial product to solve the problem of enterprise's first loan. It is a pure credit loan for all enterprises with credit data in Changzhou. Based on government big data, you can quickly lend money and repay quickly.
After registering on the mobile phone, Yang Wenyu applied for a "regular credit line" of 6.5438+0 million yuan. Soon, the system showed that after evaluation, the loan amount was 6 1.7 million yuan, and the loan interest rate was 4.2%.
Supervise the whole process and realize a virtuous circle of benefiting enterprises.
Providing the first loan service for enterprises, while alleviating the financing difficulties of enterprises, how to ensure that the loans can be managed and recovered and realize a virtuous circle of measures to benefit enterprises?
According to Leo Chou, in addition to the accurate "portrait" before the loan, effective financial risk prevention measures always run through the loan and after the loan.
Changzhou Shenhai Mining Vehicle Co., Ltd., which is engaged in the manufacture and maintenance of rail transit vehicles, as the first borrower of 202 1, obtained a "regular credit" loan of 500,000 yuan from China Construction Bank Changzhou Branch Olympic Garden Sub-branch. "We used this loan to buy testing equipment, which eased the financial constraints of enterprises." Xu Guanchao, general manager of the company, introduced.
After approving the first loan, Jiang Yifeng, president of Changzhou Olympic Garden Sub-branch of China Construction Bank, put forward a suggestion to Xu Guanchao: install a mobile phone-sized "Zengxinbao" device on the meter box in the production workshop of the enterprise to collect the production electricity consumption data of the enterprise.
Jiang Yifeng explained that the credit information company continuously monitors the risk status of the first lender by collecting electricity consumption data of enterprises, and reminds banks in real time, thus realizing the transformation of credit risk from manual management to intelligent management and control. Banks can master the operation of enterprises, and enterprises can get follow-up services in time.
Sure enough, by the end of 20021,Jiang Yifeng came again.
The door came, bringing good news: combined with real-time data monitoring, the bank found that the enterprise continued to operate stably, so the loan amount increased to 6.5438+0.9 million yuan in 2023.
In addition to additional loans and continuous services, this technical means also contributed to the realization of the exit mechanism. 202 1 electricity consumption data shows that a mechanical processing enterprise has no production record for three consecutive months, and the background prompts the bank to control risks in time. Jiang Yifeng introduced that with this technology, the bad debt rate of small and micro enterprises in the jurisdiction continued to decline, currently below 0.3%.
"Helping the horse and sending a ride, inclusive finance should serve the development of the first loan enterprise in the whole life cycle." Leo Chou introduced that since 20021,more than 300 first-lending enterprises have installed "Zengxinbao" and sent 365 tips to banks, providing support for post-lending management and risk management. People's Daily (April 2023 1 1,1/edition)
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