In addition to the "traditional" equity pledge, a number of cooperative banks in the national share transfer system have also launched a series of multi-type services for listed companies at different stages and in different situations.
Some enterprises are small in scale, with insufficient cash assets or relatively difficult turnover, especially some small and medium-sized innovative enterprises, which want to go public but can't afford millions of counseling fees from brokers. Although the local government has subsidies, but all the funds are in place, it often needs to be listed successfully, and brokers sometimes ask enterprises to pay some funds in advance. At this time, the enterprise will be in trouble: if the funds on the account are given to the brokerage firm, how will it turn around in these months? Don't worry, you can try to find a bank "listing loan". The so-called listing loan refers to the loan business that the National Stock Transfer System Cooperative Bank only gives a certain amount of working capital loans to small and medium-sized enterprises that intend to be listed on the New Third Board and have signed a recommendation listing counseling agreement with relevant recommendation agencies according to the subsidy amount given by the local government, which is used for various expenses or production and operation turnover in the process of enterprise listing. At present, China Everbright Bank, Shanghai Pudong Development Bank (600,000) and China Guangfa Bank have all launched this business.
Development costs money? Many mortgages
For the new third board enterprises, financing development should be the top priority, but where to finance? Private placement? Faced with the selective choices of various investors, if the market is cold, no one may dare to vote, the industry is not good, and no one dares to vote ... in short, all kinds of difficulties. However, if you are willing to change your mind and raise funds in the form of some kind of asset mortgage or pledge, this road may be much wider.
If you are a high-tech enterprise with a lot of intellectual property rights, then intellectual property rights can also be pledged now! Everbright Bank, Guiyang Bank and Xi 'an Bank have successively launched intellectual property pledge loans, and enterprises can apply for loans from banks with their intellectual property rights as collateral. For example, Xi 'an Bank has launched such intellectual property pledge loans: enterprises (or their major shareholders) obtain bank loans with their legally owned and transferable intellectual property rights such as patents, exclusive rights to registered trademarks, copyrights, etc., and the pledge rate can reach up to 45% of the assessed value of intellectual property rights.
If it is an enterprise with more accounts receivable, it can use accounts receivable as collateral to obtain bank loans. At present, banks such as Hangzhou Bank and Xi 'an Bank have launched this innovative business.
In addition, you can also obtain guaranteed insurance loans or guaranteed loans from banks through the guarantee provided by insurance companies or guarantee companies, and you can also obtain joint investment loans from banks through the endorsement of existing investment institutions ... In short, such loans that need mortgage, pledge or guarantee are various and are the mainstream at present.
Don't want to pledge? Looking for "credit loan"
Of course, if you don't want to get money through mortgage, pledge or guarantee, you can also try credit loans-unsecured, unsecured and unsecured! At present, Huaxia Bank (6000 15), Bank of Communications, Industrial Bank (601KLOC-0/66), Qilu Bank and Hangzhou Bank have all launched credit loans.
For example, Huaxia Bank launched a special financing product-credit loan, which aims to build a "financial service provider for small and medium-sized enterprises" for high-tech enterprises with light assets, no mortgage and no guarantee. The credit line of a single working capital loan shall not exceed 20 million yuan, and the credit period shall not exceed 1 year.
Big coffee is short of money? Looking for "elite loans"
If you are a senior executive or even a core technician of a New Third Board enterprise, do you need a loan to buy a house or a car? Is there any way? Of course, Qilu Bank, a new three-board enterprise, launched a humanized elite loan: according to the personal consumption, business financing and other needs of the executives of the new three-board listed enterprises and Qilu Bank, the corresponding quota was matched according to the specific situation. Enterprise executives include: original shareholders, core employees and people acting in concert.
In the end, it is a bank that goes deep into the three-board enterprise camp. I know the actual needs of the big three-board coffee makers and came up with such a humanized product!
Has the market become boring? Looking for "market-making credit"
If you are a market transfer enterprise and you are tired of market making, don't worry, market making is also beneficial, so what? Bank of Hangzhou has launched market-making credit: a market-making listed enterprise with outstanding main business, good growth, clear financial status and low debt ratio, with a quota generally not exceeding 20 million yuan. Please note that this is a credit loan! Is it awesome?
In addition, for market-making transfer enterprises, the credit loan amount will be higher than that of ordinary enterprises. For example, the credit loan launched by Industrial Bank has a quota of 8 million for listed enterprises and 65.438+million for market-making enterprises; Another example is the credit loan of Qilu Bank. The number of ordinary enterprises is only 3 million. If it is a market-making enterprise, 5 million. You see, market-making enterprises will still treat them differently.
Lack of money for mergers and acquisitions? Looking for "M&A loan"
Of course, if you are a company interested in mergers and acquisitions, but you don't have enough funds and don't plan to issue too many shares, after all, issuing shares will easily dilute the rights and interests of others and easily lose control. Well, Guangfa Bank, Qilu Bank and other banks have all launched M&A loans.
The so-called M&A loan refers to the cash flow generated after the merger of enterprises, the comprehensive income of the acquirer or other legal income as the repayment source, in order to meet the needs of the acquirer or its subsidiaries to pay the M&A transaction price and expenses. Loans with legal income as repayment source.
It's just the rhythm of heaven, and that's ok! In fact, the "Layered Opinion Draft" launched in June of last year (5438+065438+ 10) proposed the policy dividend of launching M&A loans at the innovation level. Look, this is coming.
In addition to these products mentioned above, there are many comprehensive and structured products, such as the "small loan link" business launched by China Merchants Bank, which covers the whole process of listed loans, equity pledge loans, scientific and technological achievements transformation loans, scientific and technological subsidy loans, order loans, intellectual property loans, supply chain financing, listed loans and other business products.
Another example is the structured financing launched by Guangfa Bank: In order to adjust the customer's capital structure, optimize the customer's debt maturity and reduce the customer's financing cost, Guangfa Bank comprehensively uses two or more standardized financial instruments and products such as equity financing instruments, debt financing instruments and financial derivatives, including but not limited to listing financing, private placement, trust financing, asset securitization, financial leasing, loans, bills and bonds (commercial paper).
In short, banks provide more and more products and services for new third board enterprises, depending on whether enterprises will play.