来源:招商银行 小编:朱岳 发布时间:2013年02月28日
内容导读: 中小企业业务已成为招商银行经营战略调整和未来业务发展的重点。其中,科技型小企业由于其独特的技术优势、巨大的市场空间、灵活的经营机制而被招行总分行明确列为招行发展中小企业业务战略的重中之重。据统计,山东省中小企业近年来得到快速增长,户数超过75万家,户数占比达到99%,GDP占50%,纳税总额占55%。而且全省将近60%的专利、70%以上的技术创新,都是由中小企业完成的。所以中小企业在山东的经济发展中,起到了举足轻重的作用。
China merchants bank jinan branch actively supports the small and medium-sized enterprise growth
Small and medium-sized enterprise business has become a China merchants bank business strategy adjustment and the focus of future business development. Of technology-based small businesses because of its unique technical advantages, the huge market space, flexible operational mechanism by CMB ZongFenHang clear as the priority action travel development of small and medium-sized enterprise business strategy. According to statistics, in shandong province small and medium-sized enterprises get rapid growth in recent years, a number more than 75, households accounted for 99%, accounted for 50% of GDP, tax accounts for 55% of the total. And the entire province nearly 60% of the patents, more than 60% of the technological innovation, is done by the small and medium-sized enterprises. So small and medium-sized enterprises in shandong's economic development, has played a pivotal role.
A, thousands of eagle wings, help small and medium-sized enterprises
As important measures of service science and technology innovation companies, China merchants bank, 2010 formally launched the "thousand eagle wings plan", this is a collection of science and technology innovation enterprise customer growth development, fostering innovation, service in the integration of integrated marketing plan. Hope this brand plan by thousands of eagle wings, on the basis of the traditional financial services, develop science and technology innovation growth enterprise customer group, through building equity investment service platform and the design innovation of creditor's rights financing product two means, fit features at all stages of enterprise life cycle to provide financial services, all-round support for science and technology innovation enterprise development growth. Launched during the period of two years, the "thousand eagle wings" brand won the investment community, the height of the corporate recognition, and achieved rapid development.
According to the bank head office support science and technology innovative enterprise strategic requirements, actively promote the business development of small and medium-sized enterprises of jinan branch. By late December 2012, jinan branch of the small and medium-sized enterprise customer loan balance of 20.6 billion yuan, 993, growth in the year of 10.1 billion yuan, 10.1 billion, in the first nine months of sme lending of 20.46 billion yuan, increased by 54% year-on-year.
In shandong province in September 2012, the government, China merchants bank jointly organized the "science and technology innovation? Thousand eagle wings" 2012 national-level financial capital in shandong, China merchants bank, signed with the shandong government support for science and technology innovation of small and medium-sized enterprise development strategic cooperation agreement. According to the agreement, in the next three years, China merchants bank, a year will provide independent innovation projects and enterprises in shandong province with not less than 30 billion yuan credit line, and selected 200 home small growth companies in shandong province, each year to provide comprehensive financial services. Thousands of eagle wings support for innovative growth enterprise, is in shandong province "two-wheel drive" and "yellow blue economic zone" two big development strategy. China merchants bank jinan branch in actively support the development of the key projects in the province key enterprises at the same time, pay attention to the resource to meet the new energy, new material, new medicine and new information industries of science and technology innovation of small and medium enterprise tilt, booster transformation and upgrading of traditional industries and the rapid development of emerging industries of strategic importance. Now thousands of eagle wings of jinan branch core enterprise library has 200 customers, the year grew 78.6%, to the core customers provide loans of 2.73 billion yuan, growth rate reached 33.2%.
Actively establish cooperation platform, strengthen customer marketing. Bank jinan branch according to the ministry of science and technology, the national science and technology achievement transformation fund management interim measures "provisions, the transformation of high-tech achievements into the provinces and cities enterprise library intensify credit support. At present, and the city of the provincial department of science and technology bureau, with the help of action travel to jinan, jinan branch, taian, Texas city, high-tech development zone to conduct a comprehensive investigation, the lending, promote the transformation of scientific and technological achievements. In addition, the bank jinan branch also become jinan science and technology cooperative Banks, financial risk compensation has incorporated into risk compensation range of small and medium-sized enterprises was investigated, the financing support work.
To strengthen the construction of institution, realize specialization operation. Bank jinan branch of with independent intellectual property rights and has been converted to productivity of science and technology enterprises, stable sales of processing enterprises to actively give credit support of science and technology and comprehensive financial services. In order to facilitate centralized development, tech enterprise loan bank jinan branch set up branch technology characteristics, give full play to the advantages of "characteristic" of science and technology and exemplary role, and positive in terms of product innovation, explore new business, in view of the characteristic industry development features, provide more quality services to our clients.
Blue and yellow zone financial support services. Yellow blue economic zone is a densely populated areas of strategic emerging industries and high-tech enterprises. Support yellow blue economic zone development not only conforms to the shandong province economic development strategy, is also a bank jinan branch expansion technology enterprise customer base, continue to enhance their profitability objective requirement. By late December 2012, jinan branch of action travel in "blue and yellow" two loans totaled 16.08 billion yuan, accounting for 28.64% of the total amount of the loan of bank jinan branch, was increased by 3 billion yuan, increased 52.63%, higher than the whole loan growth of 6% on average.
For a long time, China merchants bank jinan branch in good faith and pragmatic attitude to the small and medium-sized enterprises provide financing, cash management, financial advisers, such as integrated services, pay attention to in the early attention to support enterprise development, and small and medium-sized enterprises to achieve common growth, favored by the customers, established a close cooperative relationship with customers.
Second, increase the intensity of support, boost the local economy development the new span
Specializing in mechanism is the foundation of the development of small business
China merchants bank is well within the scope of replication small enterprise credit center successful experience, promote the business specializes in small business. CMB head office issued at the end of September 2012, in small business credit system of six, from credit investigation, loan examination and post-loan inspection before three aspects has been clear about the requirement, to simplify the process. China merchants bank jinan branch specializes in small business's finance for small business marketing push, and configure a full-time officer approval of approving the credit business, authorized for authorized business, take the double sign system. Deeds At the branch level, bank jinan branch set up a small business specializing in a team, in charge of business development for small businesses. The establishment of full-time institutions to promote the development of the small and medium-sized enterprise business provides institutional guarantee, independent and effective small business marketing system and credit flow to help small businesses get loans quickly and easily.
Perfect the assessment system is the guarantee of developing small business
CMB ZongFenHang are to small business as the focus of the assessment. Especially since he carry out small enterprise specializing in the headquarters of the small business further evaluation index weight increased by 50%. Branches will also be small business marketing as an important index of assessment account manager performance. Branch to set up a small business specializing in team organization diversity assessment, specializes in teams and individuals to improve their enthusiasm.
Features innovative products is crucial to the development of small business
China merchants bank jinan branch actively focus on science and technology small and medium-sized enterprises of financial appropriation, repay the funding, venture investment guide, such as scientific and technological innovation support policy, for each science and technology policy to develop corresponding innovation of products. Specific include:
1, actively promote bank jinan branch latest via "wings" series of products, to have listed intention, plans to introduce private equity financing and government subsidy policy of science and technology enterprises to provide efficient, convenient credit support. Wings flux series of products including listed "borrowed", "technology subsidized loans", "transformation of scientific and technological achievements is borrowed", "vote for syndication" four products. Listed specifically, refers to a bank loan for listed company of jinan branch, according to the different process of listed companies, combined with the verification of strength and development prospects of enterprise management, enterprise's own money as the main income source of working capital loans. Subsidised loans, technology refers to bank jinan branch to the science and technology small and medium-sized enterprises, to support its science and technology innovation activities, and technology subsidies or is received by the enterprise future financing business operating income as the primary source of repayment. Transformation of scientific and technological achievements refers to the loan bank jinan branch to the science and technology enterprises, is used to support the implementation of the high-quality scientific and technological achievements transformation, and the business transformation output, income, or other cash income as reimbursement sources of financing. For syndication business refers to bank jinan branch in considering institutional investment management and PE PE organization has cast or planning investment enterprise development prospects, on the basis of short-term funding provided by the applicant business to financing.
2, cooperate with surety company, bank jinan branch to enjoy enterprise loan risk compensation policy, by guarantee companies provide guarantee, the final bank jinan branch and guarantee company in a certain proportion to share risk compensation provided by the government.
3, for a particular risk compensation and loan discount policy, establish special guaranteed bank jinan branch as a security company, and together with bulk.
4, in view of the government has published will be funded enterprise, bank jinan branch in the funding in place before funding to companies, operating income to the enterprise or government funding as the primary source of repayment.
5, in view of the enterprise to receive government subsidies after, jinan branch of action travel after considering its technological achievements in production and government provide loans to support subsidy amount, etc.
China merchants bank, head office Mr Ma President once said, "if you find a key, it can solve the poverty, employment, solution development, solve the out of the crisis, so the key is to small and medium-sized enterprises". China merchants bank, head office, jinan branch will continue to revolve around "second shift" strategy, deep grasp line inside and outside the business situation, timely transformation process mechanism, vigorously develop small and medium-sized enterprise business, service economy in shandong, realize the new span.
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