How do small and micro enterprises in Suzhou handle bank loans?

The development of small and micro enterprises is an indispensable part of promoting the transformation and upgrading of the real economy and implementing the national innovation-driven development strategy, which is of great significance to building a well-off society in an all-round way. Bank of Suzhou has always regarded doing a good job in financial services for small and micro enterprises as an important part of supporting the development of the real economy and fulfilling its social responsibilities. Focusing on "truly small and micro, truly inclusive", Bank of Suzhou strongly supports "long-tail customers" with single-family loans of less than 6.5438+million yuan, especially less than 6.5438+million yuan, and strives to give full play to the natural geographical and popularity advantages of local financial institutions in providing services for small and micro enterprises.

At the beginning of 20 12, Suzhou bank set up the microfinance department, introduced the concept and technology of German IPC, creatively integrated western credit technology into microfinance business, and developed and launched a series of products of "Su Microfinance" to meet the capital needs of individual industrial and commercial households or small enterprises to supplement working capital or purchase production materials and equipment in production and operation, and to ensure the normal operation of their production and operation activities or expand their business scale. Since the first loan entered the market on May 22nd, 20 12, by the end of April, 20 18, more than 30,000 loans have been granted to micro-enterprise owners, with a total amount of nearly 104 billion yuan. There are 5573 customers with loans, with a loan balance of 65.438+84.5 million yuan, with an average loan balance of 330,000 yuan. A total of 480,000 jobs were maintained and promoted, of which 64,365,438+0 customers received bank operating loan support for the first time. Customers involved in trade, manufacturing, catering, mold and other industries, the overall quality of assets is good, initially forming a new way to support the development of small and micro entities with integrity as a service.

By the end of June, 2065438+2008, the loan balance of small and micro enterprises of Suzhou Bank reached 74.579 billion yuan, accounting for 57.03%. Among them, the Small and Micro Business Department has invested a total of 4.3/kloc-0.40 billion yuan in inclusive finance loans, a substantial increase over the same period last year. The examination and approval time is decreasing, and the full coverage of the same day is basically realized. The product system is improving day by day. We will continue to optimize the process of mortgage business loans, personal production and business loans and other fist products, constantly innovate new products represented by e-loans and tax-bank loans, and cultivate new growth poles. At present, the bank has 24 small loan outlets, which has realized the grid coverage of Suzhou directly affiliated branches, extended the service tentacles and broadened the service scope. For more than six years, the bank has solidly promoted various microfinance businesses around the requirements of "wide distribution, strong team and business promotion", effectively serving tens of thousands of small and micro enterprises and becoming a powerful booster for the development of small and micro enterprises in Suzhou ~