来源:招商银行 小编:朱岳 发布时间:2013年02月28日
内容导读: 小型微型企业是提供新增就业岗位的主要渠道,是企业家创业成长的主要平台,是科技创新的重要力量。支持小型微型企业健康发展,对于我国经济克服国际金融危机影响、保持平稳较快发展,以及促进地方实体经济的健康快速发展,具有重要的战略意义。
Promote action travel weifang branch small micro enterprise credit business to accelerate development
Since this year, China merchants bank, weifang branch earnestly implement the relevant financial policies, to support the development of small micro enterprises as focus, clear target direction, improve the work mechanism, promoted the rapid development of small micro enterprise credit business, support the real economy development well.
A positioning, clear thinking, fully understanding to support small businesses
Small micro enterprise is the main channel to provide jobs, is the main platform of entrepreneur growth, are an important force in scientific and technological innovation. Support small miniature enterprise healthy development, for our country's economy to overcome the international financial crisis, maintained steady and rapid development, and promote the health of the local entity economic rapid development, has important strategic significance.
According to superior line 2012 small micro enterprise loan business work train of thought, combining the reality of weifang local economies, China merchants bank, weifang branch 2012 small micro loan business work train of thought is: give priority to with small retail loans, focus on developing high quality customer credit and mortgage small micro enterprise loans, in order to get high value customers and improve the small micro enterprise comprehensive service as the goal, efforts to improve the new loans accounted for, and actively support good local small micro enterprise development.
Second, increase brand awareness, improve small micro loan management system
2012 is China merchants bank, weifang branch retail loans of the first year of professional development of small micro enterprises. China merchants bank, weifang branch launched 5 micro enterprise loan product size, small micro enterprise mortgage loan, pos loans, credit guarantee, coinsurance and the arrival of the credit loan. Mortgage loans: if your company have house property, can choose the China merchants bank, weifang branch of mortgages, the highest amount of up to 5 million yuan, for up to 10 years, a single loan for up to five years. China merchants bank, weifang branch of acceptable collateral for housing, commercial housing and factory construction, loan amount up to 120% of the property's value. Pos credit: pos merchants personal business loan refers to the pos for eligible to receive the actual controllers of single specially engaged or individual and industrial and commercial door of personal business loan business. Amount of up to 1.5 million yuan, credit for up to two years, a single loan for up to 1 year. Characteristics: no mortgage, as long as there is a stable pos transaction. Guarantee loan: if your company need the money, you want to deal with unsecured loans, we can deal with guarantees, loan amount up to 3 million yuan, for up to three years, a single loan for up to 1 year. Features: without collateral, can take to guarantee company guarantee, the guarantee of enterprise legal person, natural person guarantee guarantee a variety of ways. Coinsurance credit: you can and your cooperation customer group, to apply for a loan, the coinsurance body single-family to lend 3 million yuan, highest credit for up to three years, a single loan up to 1 year, features: no mortgage, as long as you to the cooperation with you customers are the same professional market, the same chamber of commerce, industry associations, the same business circle, the same industrial park enterprises, or the same core enterprises of supply chain enterprises, you can cooperation with you customer of coinsurance body small micro enterprise loan application. One to double lending: has been in China merchants bank, weifang branch is pointing to the real estate mortgage loans (including personal housing loan, personal commercial housing loan, and personal consumption loan and personal mortgage loans to buy homes) customers, distribution is used to solve the capital demand in short term loan, the loan without further mortgage registration, only need to provide guarantee company guarantee, the guarantee of enterprise legal person, natural person guarantee or credit guarantees.
At the same time, China merchants bank, weifang branch increased the small micro enterprise loan promotional efforts. Since this year, China merchants bank, weifang branch in shouguang, ChangLe, zhucheng, wing nearbu, etc, as well as homag, 30, the city taihua, textile city, Campbell's professional markets such as the auto city, conducted a special seminar, small micro enterprise credit further expand brand retail lending by China merchants bank, a small advantage, the market response rate increased significantly.
Again, China merchants bank, weifang branch the small micro enterprise loan management system, strengthen professional training for the customer manager, set up small micro enterprise executive of customer manager system, implementation of public-private joint, cross sales, expand small micro channels of retail loans, dig deeper into the whole marketing team and referral marketing potential. And strengthen the cooperation of external institutions, such as with unionpay, share customer resources and risk management system.
Third, clear target market, give full play to the guest group of advantage
China merchants bank, weifang branch outlets were established in charge of the President as team leader, deputy group leader of the small business manager micro lending service team, development team implements the annualized standard workload management, retail loans to the small micro enterprise customer account manager of personnel development and management. All branches, business departments organized around their respective regional economic characteristics to carry out the work, the key support of shouguang vegetable market this year, thousands of small business households of self-employed private, weifang city undertakes to customers, such as high-end clients and professional market customers, do business circle, the industrial chain, and exploring the depth of professional market.
At the same time, China merchants bank, weifang branch for the stock of gold sunflower or more high-end, retail loan customers, POS retail customers specially engaged group, positive development of total assets of the customer credit management, form a complete set of management standards such as loans, loans to POS traffic class small micro enterprise credit; And vigorously promotes the integration of the customer database, find target customers support, continue to carry out the "legend" loan loan client referral activities, keep wages of small micro enterprise undertakes and financial advisers and other integrated services.
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