Changchun Minsheng Bank Credit 200 Million Yuan To Help Shoe City Merchants

Cold spell in early winter Changchun City The new driving force for the development of small and micro enterprises.

18, the location of Changjiang Road business district. Minsheng Bank The first day of the successful operation of the victory Street branch is to the Pacific. Letao More than 500 merchants have integrated credit of 200 million yuan. "At the moment when the peak season of winter shopping is coming, this loan will undoubtedly shorten the cycle of capital withdrawal, and the cash will be more abundant this winter." A businessman from a shoe city who got the loan said.

For many years, SMEs, which play a decisive role in economic development and employment, have been faced with many problems, such as financing difficulties, lack of financial support services and so on. Insiders say that, because it is often difficult to obtain loans directly from banks, SMEs, especially small business owners, have been financing for many years by means of private lending and underground banks. High interest rates and various cost costs have undoubtedly restricted the demand for funds of small and medium-sized enterprises.

"To the Pacific shoe city, this is a joint insurance scheme." Minsheng Bank branch of the victory Street Branch responsible person said that the most suitable for business loans, SMEs, small and micro enterprises have the advantage of acceptable mortgage, pledge, guarantee, joint guarantee and so on up to 11 guarantees, loan amount in principle, no upper limit. It is reported that more than 500 merchants received loans ranging from 500 thousand yuan to 5 million yuan per household. At the same time, the longest loan period can be up to 10 years, the mortgage rate of real estate can reach up to 80%, and the 5 working days will complete the examination and approval when the procedures are complete. Serving small and medium business owners and individual businesses, Minsheng Bank has brought new hope to our small and micro enterprises.

"For small and medium enterprises loan mentality is the same, but the success or failure to see details." A person from a small and medium enterprises loan agency said that the "stepping stone" of the loan business is being glued to the market segments. While banks are grabbing the industrial chain, small and medium-sized banks are becoming more and more popular for the professional market and the "close fitting" financial services of their own development. Minsheng Bank's "business credit card" is seen as an improvement to supply chain finance and a successful example of the upgrading of SME services.

People in the industry say that banks need to change their traditional ways of operation. They should gradually shift from passive choice to specialized operation, establish and perfect a credit management system that really fits the characteristics of small and medium-sized enterprises. Through the merging, moving and centralization of credit processes, the credit process of "simple, easy and fast" will be adapted to the "short, frequent and fast" credit demand of small and medium-sized enterprises.