Jiangsu Small And Medium-Sized Private Enterprises Financing Threshold Drop

The accelerated development of Jiangsu's private economy has stimulated the enthusiasm and impulse of commercial banks to actively raise funds for them.

Minsheng Bank Nanjing branch announced yesterday that as one of the two pilot projects in the country, the bank will produce 2 billion yuan this year and invest in the private sector of the whole province.

The problem of financing difficulties of private enterprises has existed for a long time.

For a long time, they can only share the same set of evaluation criteria with large state-owned enterprises. Because of the high demand for assets, profits and guarantees, many small and medium-sized private enterprises have no chance to get bank loans at all.

Minsheng Bank launched the "new financing policy" of small and medium-sized private enterprises in Jiangsu and Zhejiang provinces in five aspects: from big to excellent, banks are no longer the size of enterprises.

As long as the performance is good, the owners of enterprises will be able to enter the financing channel of Minsheng Bank's small and medium-sized private enterprises.

From the high to the low, the access threshold for private enterprises has declined.

As long as the ownership structure is clear and the registered capital is more than 3 million yuan, loans can be obtained; if the enterprise has been established for more than 2 years or the owner has been employed in the industry for more than 5 years, it will meet the loan conditions; the sales income standard will also be reduced; the sales volume of the business type enterprise will be 50 million yuan, and the annual sales of the production enterprise will be 30 million yuan.

From the tight to the broad, the mode of loan guarantee has been expanded flexibly.

There are credit guarantee, chattel pledge, manufacturer's three party cooperation agreement, mortgage, Guarantee Corporation guarantee, export tax refund account hosting loan guarantee, and main shareholder guarantee.

From the old to the new, new ways of investigation are adopted.

How to judge the operation of private enterprises?

Traditional corporate financial statements are often not real enough.

Based on the characteristics of small and medium-sized private enterprises, the bank introduced private enterprise family members survey and enterprise electricity consumption fluctuation survey to restore the real assets management situation of private enterprises.

The number of financial products from small to private enterprises has been gradually introduced.

Statistics show that private enterprises are becoming a hot spot for banks. In the first 2 months of this year, bank loans were invested in 12 billion 700 million, of which about 2000000000 were invested in private enterprises in Nanjing.