Small Businesses In Huludao No Longer Have Financing Difficulties.

A year ago, the loan application was only half a month away. Wang Xihe's first loan was 600 thousand yuan. Act as Huludao department store Wang Xihe, the first dealer in the building who got the loan through "convenient access", was overjoyed. "I used to run a brand name clothing only. With this money, I can increase the brand now."

"Just settle down and untie, small businesses." financing Problems can be solved. The Bank of Huludao has developed a series of new directional credit service products, such as the following: a series of new directional credit services, such as the "Jie Tong", "win win Tong", "acceptance pass" and "accounts receivable pledge". People's banks, such as "individual business branches", "personal loan sub branches" and "swimsuit enterprises' sub branches", are gaining popularity in the most vigorous small and micro enterprises market. Since 2011, the Bank of Huludao has completed 6 billion 800 million yuan in loans for small and medium-sized enterprises.

"The shops and houses have been mortgaged." It is difficult for small and micro enterprises to find financing collateral. The main service group of Xingsheng branch of Bank of Huludao is the dealers in the peripheral department stores. The first branch of the branch that successfully located the building of the branch of the "individual industrial and commercial sub branch" is to solve the problem of guarantee between dealers by mutual insurance, but this method is not feasible because dealers are from all over the place and do not trust each other. Xingsheng branch tried to introduce the department store as a platform, inspecting the dealer's business performance by shopping malls, recommending customers to banks, and looking for two or more dealers to guarantee or mutual guarantee. The loan ceiling is 3 times the monthly average settlement. As dealers' sales revenue is collated by department stores, sales receipts from merchants are paid directly to repayment accounts instead of dealers, so the loan product design also reduces the risk of banks to almost zero.

"The customers are small and scattered, so the marketing cost is too high." This problem is also solved. In the national swimsuit production base Hing the city, merchants need to pay about 200 thousand yuan in the online sale of bathing suits. Many people are unable to pay the deposit when they are organizing the supply of goods. In response to these scattered customers, the Bank of Liucheng sub branch of Huludao bank has developed a "net win through" credit product, which provides financial support for online swimwear. Large clients have many financing channels and strong bargaining power. Small and medium-sized banks have no advantage in dealing with them. The Bank of Huludao mismatches the small and micro enterprises in the "blue ocean" market. On the one hand, banks actively cooperate with the Guarantee Center, and unremittingly create a series of guarantee methods such as the right to use the sea area, warehouse receipt pledge, and so on, so as to smooth the financing channels for small businesses. Huludao Bohai Shipbuilding Co., Ltd. has difficulty in circulating funds. It has solved the urgent need in Huludao bank with the use of sea area warrants. After the sale of the star pharmaceutical company, the buyer opened a large bank acceptance bill to settle accounts, but the enterprise needed a small ticket when paying the supplier's money. The Bank of Huludao accordingly launched the "acceptance pass" business, and used large acceptance bills to pledge the small ticket. This kind of "point to point" mode of tailor made credit products for designated small businesses has been widely promoted in Huludao.