农业银行柳江县支行全力推动小微企业发展

Liujiang branch of agricultural bank to promote small micro enterprise development

Agbank liujiang branch constantly optimize the environment of financial services, perfect service means, rich financial products, increase the intensity of credit supply, to promoting the development of small micro enterprises. As of March 19, the small micro enterprise loan balance of 280 million yuan, an increase of 101 million yuan from a year earlier, an increase of 56.3%.

Liujiang river is liuzhou industrial coordination base, also is the southwest's largest auto parts base. Liujiang are emerging, mountain, dragon, Los Angeles, jinde industrial park, etc. Growing in recent years, into the industrial park enterprise, the bank situation, to help industrial park as a "small" help "micro", continue to increase the intensity of small micro enterprise financial services, to transform, add park site, add service window, increase the measure such as automatic teller machines, constantly optimize the environment of financial services, strengthen the financial service level. Increased at the same time, the small micro enterprise customer manager, often visit China merchants and right belongs to the county government, mastering the new into the industrial park at any time, in a timely manner to carry out the customer manager in-depth enterprise field investigation, collect market information, industry information, policy information, enterprise production and operation situation and demand situation of financial products, establish the enterprise archives information, screening and to conform to the industrial policy and terms of business support.

For small micro enterprise actual, the bank launched a short form small business loans, small business quickly multifamily group lending, professional guarantee company loans, mortgage loans, loans and other financial products, to meet the small micro enterprise diversified financial demands. The bank make full use of GuangXiOu branch of straight pipe branches down the advantage of credit approval authority, high efficiency for customers on credit business, demand for credit in 20 million yuan of the following small micro enterprise, in a timely manner through the short form for quick loans way; New access to credit enterprise, credit rating, credit, with a letter for an investigation, a review, approval, shorten do borrow time; To temporarily do not qualify for loans, through discount financing support. At the same time, it also continuously improve the efficiency of the investigation, review and approval process, to speed up the financing, effectively meets the requirements of small micro enterprise emergency fund.

For small micro enterprises to provide comprehensive financial services at the same time, the bank pays attention to strengthen the small business credit business risk management. From strengthens the fact information communication, strict management of loan money to pay, pay close attention to the enterprise capital flow, beware of credit funds be used for any other purposes, to ensure that the small micro enterprise credit business safe and steady operation. It is understood that at present the small micro enterprise credit business to realize zero non-performing.

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