Guangdong Bank Launches Special Services to Help Fly Hardware Industry

In recent years, with the continuous improvement of the living standards of urban and rural residents and the continuous deepening of the professional division of production and distribution, clothing, leather, hardware, building materials, aquatic products, flowers and other large professional markets and industrial clusters have flourished and become consumer transformation and upgrading. The important driving force for the coordinated development of regional economies. In view of the highly centralized nature of small enterprises in industrial clusters, ICBC has responded to the development trend of intensified industrial clusters to innovate credit products according to local conditions, which has effectively promoted the healthy development of small enterprise clusters.

Based on the characteristics of corporate customers in different professional markets and industrial clusters, ICBC actively innovates in various measures such as third-party credit enhancement, third-party guarantees, corporate joint guarantees, and portfolio guarantees. It is tailor-made for local SMEs and is highly targeted and applicable. A good individualized credit product has better solved the capital needs of this type of small business, which has enhanced the operating strength and the development potential. It has also effectively promoted the healthy development of local professional markets and industrial clusters. ICBC Guangdong Branch has launched "Zhanjiang Xiashan Fisheries Loan", "Zhongshan Huangpu Lazi Lending", "Chaozhou Guxiang Hygienic Ceramic Industrial Cluster Lending", "Jiangmen Hill Copper Industry Cluster Credit", and "Jieyang Stainless steel professional market cluster loans, etc. 36 series of professional ** products. As of the end of June this year, ICBC has issued a cumulative total of approximately RMB 7 billion to nearly 1,000 small enterprises in the Guangdong region.

Huangpu Town is a production center of Lawei County, Zhongshan City, Guangdong Province, and is the largest professional Cantonese-style production center for sausage production and processing. However, since the assets of these companies are mainly represented by machinery and equipment, transport vehicles, self-built cold storage, frozen meat, and preserved meat products, they should not be used as collateral. At the same time, the settlement funds of these companies are diversified, diversified, and lack of relevant transaction vouchers for commodity transactions. Moreover, downstream distributors lack well-known companies and large companies and cannot form effective third-party credit enhancements. Therefore, it is often difficult to obtain bank ** support.

For this reason, ICBC Guangdong Branch's "Zhongshan Huangpu Lazi Lending" came into being. In a large-scale integrated wholesale market in Huangpu Town, they selectively targeted high-quality savoury savory production small businesses that have been recommended by the local smelting industry associations, and designed special **programs based on their business models and transaction processes. Its solution focuses on the first repayment source, reasonably determines the financing quota, strict ** usage and post-lending management, and uses the market management party and the borrower's joint security team to strictly implement post-lending logistics, capital flow, and information flow supervision, effectively cracking Local Lap Few financing problems for small businesses. As of the end of June this year, the balance of this product has reached 50 million yuan.

In Yiwu City, Zhejiang Province, the number of small and micro-business enterprises and individual industrial and commercial businesses accounts for more than 99% of the total number of companies. This is also a key area for ICBC through innovative professional credit products, relying on industry association chambers of commerce, and serving small and micro enterprise clusters.

Yiwu Hongxing Color Printing Factory is a micro-enterprises. In April 2011, the company introduced a Heidelberg press and paid a one-time payment of about 6 million yuan, which caused the company to have a shortage of liquidity in a short period of time. The legal representative of Hongxing, Chen Yiyuan, learned of ICBC's “Xiaoweiweibao**” business, and contacted other members who knew each other in the printing industry association. They voluntarily formed 7 joint ventures for small and micro enterprises and signed two agreements. In the annual joint insurance contract, each small and micro enterprise can earn 5 million yuan in the ICBC, and the liquidity shortage problem can be easily solved.

ICBC officials told the author that they should do a good job of professional articles and do a big job in emerging credit markets such as professional markets and industrial clusters. “The key to doing a good job in small and micro enterprises is not the traditional way of guaranteeing mortgages. Ideas, innovative ideas, starting from the actual conditions of small and micro enterprises, to control and manage the company's cash flow and default costs, balance the risks and benefits."

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