顺德农行推“循环担保” 助力小微企业融资难

Shunde agriculture bank push the "cycle guarantee" power small micro enterprise financing difficulties

In 2012, the global economic weakness, foshan entity economy suffers great impact, and small and medium-sized micro enterprises gathered foshan also has a lot of influence. Last December the closing of the central economic work conference pointed out that, to be kind to and support small micro enterprise development, strengthen the big corporate social responsibility. "Pay attention to small micro enterprise development, is to pay attention to the future. Foshan LiuYueLun mayor in "on further cultivate and support the small micro enterprise development Suggestions of forum also puts forward proposal, various departments in cost, market, financing and the soft environment construction to provide better environment, increase service dynamics, the small micro enterprise development ascend to a higher level. And the bank financing is considered to be small micro enterprise of the Gospel.

In recent years, foshan a number of financial units especially for small micro enterprise "thirst", ease the pain of financing difficulties has made unremitting efforts. Entered in 2013, foshan each big financial institutions in the face of small micro enterprise financing the task is still shoulder heavy responsibilities. To this, the information times · new foshan "special plan" bank small micro enterprise characteristic products show "project, through the introduction of the foshan Banks mechanism for local small micro enterprise financing service launched characteristics, so as to understand the bank for small micro enterprise development to provide financial support, so as to better serve the foshan financial industry, promote trade and economic development of the market.

Current guests: agricultural bank of China shunde branch characteristic products: "cycle guarantee" loan business

Information times YeJinYu

For positive response the government has made great efforts to support small micro enterprise's call for, shunde branch of agricultural bank of China (hereinafter referred to as shunde agriculture bank) for nearly three years in the designed for small micro enterprise body design of financial products, and for small micro enterprise to solve the problems of financing difficulties of the. The main products are divided into "settlement class" and "financing class" two categories. It is understood that by 2013 at the end of January, shunde agriculture bank on the small micro enterprise loan balance is 9.2 billion yuan.

Cycle guaranteed loans is one of the main products of shunde agriculture bank, it is three (or) above the enterprise form the cycle guarantee circle, circle each enterprise for another enterprise to provide security for financing business varieties, in the borrower to repay the loan principal and interest not to about, the members of the joint guarantee shall bear joint liability guarantee. Cycle guarantee circle of general control in 4 within the customer, in principle at most 6. Guarantee ring combination conditions follow strength equivalence, by letter line quite, customer voluntary principle.

Service case

The three strangers

Success for cycle guaranteed loans

-- -lecong town, shunde district, foshan city, A company, shunde district, foshan city, B trade co., LTD. (hereinafter referred to as company B), shunde district, foshan city, C trade co., LTD. (hereinafter referred to as C company) is engaged in steel trade industry three small enterprise, through to the domestic steel mills and the agent to buy steel, supply the pearl river delta region in the home appliances, shipbuilding, hardware, machinery manufacturers.

With the continuous development of the economy at home and abroad, three business continues to expand the scale of facing fund supporting pressure. But as a result of three companies belong to trade enterprise for mortgage-backed assets is inadequate to meet capital demand.

In the three companies for nowhere financing distress, shunde agriculture bank in the music from the iron and steel industry association in the research that the three enterprise urgent financing demand, in the customer asset management strength and the strength to carry on the thorough investigation and analysis for the customer, design a can conform to the music from the steel market customer financing needs of financial products "cycle guarantee" business. At the same time, immediately start customer introduce work, through the shunde agriculture bank this platform, three does not meet company formed guarantee ring, success to deal with the circular guaranteed loans.

Reporter comments on

"Cycle guarantee" reduce the financing difficulty

Shunde agriculture bank roll out "cycle guarantee" loan business, make the enterprise customers can not rely on real estate and other traditional real estate as collateral for the loan. In addition, reduce the financing cost and financing difficulty, close cooperation relations argues. The customer only in mutual understanding, familiar with and trust, to let composition guarantee ring, reduce the risk of information asymmetry. Once the composition guarantee circle, enterprises in the economy on the trip can common growing in size, in the economic downturn, they will BaoTuan heating, especially for downstream enterprises to form the guarantee of the circle, the advantage obviously, especially to reduce financial cost particularly effective.