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Lanzhou Bank Helps Small And Micro Enterprises Break Through Financing Bottleneck

2012/4/9 13:59:00 7

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Gansu

In such an economically underdeveloped province, city commercial banks are facing fierce competition from major banks. At the same time, many small and micro businesses are having a hard time because of shortage of funds.

The Bank of Lanzhou, founded in 1997, has explored a distinctive road in practice. While boosting small and micro enterprises, it has also found a clear position for its own development.

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Many of the shoes and leather shoes we saw come from our company, but if we did not support the 7 million yuan loan from Lanzhou bank, we would not have such a good development today.

Pu Ziping, financial director of Gansu's macro leather company, said.

Once, Hong Liang was also a small workshop in the leather industry.

In 2008, the company was in urgent need of liquidity to tide over difficulties. But because of the guarantee that financial institutions could not provide, the financial institutions refused to exit the company.

By analyzing the leather industry, the Bank of Lanzhou has learned that Hong Liang is small, but its downstream businesses are strong. Therefore, the Bank of Lanzhou has tailored a documentary loan for them, that is, the order signed by Hong Liang company and downstream enterprises as the source of repayment and loan guarantee, thus solving the urgent need of Hong Liang company.

Now, Hong Liang has the largest scale in Northwest China.

Leatherwear

Production line, and will soon become a listed company.

The traditional way of bank credit business is to require customers to guarantee real estate such as land and real estate. The biggest difficulty of financing small and Micro customers is also that they do not have collateral in traditional sense.

Lanzhou bank has boldly innovating in the position of small and micro enterprises. Under the premise of controlling risks, it has shifted from the previous emphasis on mortgage guarantee to pay more attention to the credit status, repayment ability and liquidity of funds, thus breaking through the shackles of traditional credit guarantee methods, and realizing a major change in the new credit mode, such as mortgage of real estate, mortgage of movable property and pledge of rights.

With their support, many small and micro enterprises in Gansu have grown into well-known enterprises and mentioned the services of Lanzhou bank.