Xiao Xiang cloud is in Chongqing cloud Yang Shuangjiang is street do non-staple food to approve hair trade, managed 10 old, the total representative that already became card of drink of a milk to be in place. "To wholesale agent, when cash shedding is short of. " Xiao Xiang cloud says, "Business economize to avoid running short, but the day making a money that the agent gives production the company is centered in a year twice however, every have to plan a large sum of fund ahead of schedule to this moment hand. Every have to plan a large sum of fund ahead of schedule to this moment hand..
Arrived to make fund day again recently, xiao Xiang cloud plans this to enrich the people bank application loan tries. Cannot think of, 3 days are less than after submitting application, he got the forehead spends the pure credit for 2 million yuan.
"Not be concern did not mortgage before, fear loan time is long namely. After having the experience that borrows money successfully this, can be at ease expand managed. " Xiao Xiang cloud says.
Optimize structure of market main body, management vigor promotes ceaselessly
Countless like Xiao Xiang cloud such individual classics does business advocate, the capital of bank of have the aid of supports sincere letter to manage, sureness lives. Enrich the people to what Xiao Xiang cloud borrows money the bank is the civilian battalion bank that a practice is less than a year. Up to in May end, this loan remaining sum already amounted to 2.418 billion yuan, in supporting 164 small small company.
Initiate by the civilian battalion enterprise that accords with a condition create civilian battalion bank, it is banking what deepen reform to be stridden in the round is solid one pace. In March 2014, silver-colored inspect can announce bank of first 5 civilian battalion to try bit of list, start civilian battalion bank formally pilot job. Up to now, already had bank of 15 civilian battalion permissive practice.
Calculate from start business of bank of the first civilian battalion case, only two years short. Count the banking of hundred years to accumulating for, two years time inadequacy is, but be in to running " the cloud " of end new-style for civilian battalion bank, start two years of make up the deficits and get surpluses of enough however implementation breathtaking span. Computation of cloud of have the aid of, big data, artificial intelligence, bank of battalion of two interconnection netizen already all began small numerous bank and network merchant bank gain. Up to 2016 end, profit of net profit of small numerous bank amounts to 401 million yuan, the individual on all fronts is small credit borrows money circularly " particle is borrowed " accumulative total extends loan 198.7 billion yuan, award a letter actively to exceed 70 million person; Profit of net profit of network merchant bank is 255 million yuan about, accumulative total extends to small small company loan 92.8 billion yuan, serve number of client of small small company to amount to 2.48 million.
Reform of policy sex bank is advanced deep. In April 2015, the reform program of bank of sex of 3 homemaking plan is obtained batch, 3 banks fixed position is clearer, the function is more outstanding, the ability that serves hypostatic economy increases ceaselessly.
Inc. of chemical industry of river of village of Xinjiang blue mountain is company of new material of chemical industry of a high-tech. Before this as a result of situation reason, business development is slower. In recent years, transfer to the west stage by stage as coastal petrifaction enterprise, the enterprise welcomes new development opportunity, be badly in need of a project building capital.
Understanding needs to company place, silver-colored group of leading organization of branch of Xinjiang of bank of imports and exports borrowed money 2014, supportive industry builds project of degradation of 160 thousand tons of biology plastic unifinication project, loan amount is 1.85 billion yuan, the project is built smoothly and in June 2016 operation go into operation. Export the characteristic of the sale in the light of the product, body of capacity of company of behavior of imports and exports is custom-built product of credit of 450 million yuan of export, as the product year after year of export sales volume increases, this year in June, export line of credit promoted 300 million yuan again.
"Bank and industry posture companion are accrete. Below the support of your kind effort that is in a bank just about, company ability realizes saltant type to develop, 3 years asset dimensions develops 6 billion yuan from 2 billion yuan, already built rose to arrive from coal chemical industry, careful chemical industry the whole industry catenary of chemical new material. Last year company advocate battalion product export increases 98% compared to the same period, among them 70% sell toward abroad. " Lu Shenghua of division of company total economy says. The row of class of freight of international of westing of the Silk Road that fleets nowadays carries product in a steady stream Europe ceaselessly.
From street edge small shop arrives major project, from " point to " leasehold borrow money to silver-colored group, consume economy of moist one party from drive individual... banking is in season should need and change, optimize structure of market main body continuously, promotion runs energy, serve area of square respect of the national economy and the people's livelihood. This since banking should be begged actively to what finance takes off intermediary trend change, also be to answer Internet to challenge, of the innovation that embraces new finance lift.
One " decrease " one " add " , support reform of sex of supply side structure
In recent years shipbuilding industry encounters " cold winter " . Shandong power sea because ship-owner abandons ship and the 3 course of study that take a boat bore heavy debt, to November 2015 the portion forms 1.306 billion yuan of bad loan. But the bank is in pair of enterprises to try to find out the real intention in the round the discovery after the platoon is checked, enterprise itself does not have a problem, the technology is relatively advanced, hold order more also, just encounter temporary difficulty because of exterior reason.
"Smoke at that time borrow, the enterprise cannot cross this to close for certain, credit fund also is met total loss. But if can help up, help them overshoot difficulty, enterprise maybe can weigh whole new life, the bank also can redeem a few losses. " Li Xiaoming of president of emerald green subbranch of a bank of power lake be surrounded by mountains says industrial and commercial bank, supportive fact is belonged to not easy. Shipping industry is to produce can superfluous industry, support the even of boat look forward to that manages normally hard, it is the enterprise to an occurrence risk what is more,the rather that.
In local government sector and Shandong silver the support of inspect bureau falls, emerald green subbranch of a bank of power lake be surrounded by mountains gives industrial and commercial bank the company again early or late offer 25 million yuan to borrow money with 14 million yuan, support is in build ship finishing, help an enterprise undertake the strategy recombines, succeed dish of vivid bad loan 506 million yuan, realize silver-colored look forward to double win.
This year in May, as in limited company of investment of silver-colored finance capital is obtained batch chip, 4 big state-owned and large commercial banks set debt newly to turn an executive orgnaization all obtain batch. Prospective executive orgnaization will face development prospect is good but the high grade enterprise that encounters temporary difficulty is begun commercialize debt to turn, supportive industry " go lever " . Up to this year May the middle ten days of a month, 5 large banks already were signed make an appointment with debt to turn an enterprise (project) add up to 68, the autograph restricts amount 853.7 billion yuan, the company that a few have development perspective turns through commercializing debt reduced financial burden.
Dish vivid precipitation after the credit resource at small effect domain, the division that the capital more that banking gives move sth to make room joins Xiang Xinxing is achieved enterprise, small small company and " 3 farming " , breed development new kinetic energy.
Was about to throw building of use station of boat of Chongqing airport T3A to will use brand-new radio frequency to identify baggage sorting technology in July, the identifying that carries this technology baggage is led can arrive from 95% promotion 99.5% , can be the airport every year managing cost 45 million yuan. This kind of technology before this is by foreign company monopoly, and what provide system of a complete set of this is one wife and children of domestic division starts a business -- small sign science and technology.
"Division start business research and development investment is high, circulating fund pressure is great, want to borrow money from the bank because of small capital fund, without effective guaranty, and time and again be rebuffed. " Duan Wenbin of general manager of small sign science and technology says. 2015, the company wins the bid big project, however suffer from does not have capital. When company capital is in short supply, chongqing farming commercial firm completes the whole technological process that applies for loan from credit inside 10 weekday, xiang Jifa puts science and technology enterprise to aid guarantee loan 5 million yuan, solved an enterprise in time to be in capital of high speed developing " bottleneck " . Accompany an enterprise to grow, chongqing farming commercial firm also is increased stage by stage to the supportive strength of the company.
Open innovation, braid the service network of globalization
Banking is opener and opener. Below the principle of fair competition, coequal pay, civilian capital is established through initiating, subscribe is new, suffer allow equity, buy recombine wait for means to enter banking. Current, small finance orgnaization already achieved civilian sth used to one's own advantage in the country investment sort is enclothed completely and district is absoluteness, the orgnaization of blame bank finance that civilian capital enters already amounted to 103.
Open reflect not only in internally, the door that course of study of Bank of China opens wide to foreign capital bank is bigger, foreign capital bank manages the admittance doorsill of RMB business to be reduced stage by stage, the business sort that can begin is ceaseless and rich. More and more in endowment the bank also follows Chinese enterprise " go " , overseas take root grows, medicinal powder the branch blossoms. Up to 2016 end, in endowment the bank created more than 200 one class outside the condition branch. In the meantime, be in " one belt all the way " in construction, in endowment the bank perfects layout of orgnaization of country of along the line, the project outside major area constructs field of key of active butt joint, each other of supportive infrastructure interconnection is connected, international is produced can cooperate and build via area of trade industry collaboration.
The management concept of the bank begins change. Bank from companion " big " change direction help up " small " . "The bank is partner big company before, the bank understands now, who was captured ' small small ' , who held future. " many banks sigh with emotion from personnel of course of study. Data shows, up to 2016 end, the throughout the country is small remaining sum of small company loan 26.7 trillion yuan, 24.07% what take each loan remaining sum, add compared to the same period fast 13.82% , exceed each loan to be added on average fast.
Nowadays, banking Wu more " green " . Increasing bank extends green finance energetically, some banks are already right mark international is advanced practice, form a perfect green credit to evaluate a system, can use property of environmental protection of capital lever prize already, the commerce that can realize business again but durative. Up to 2016 end, remaining sum of credit of green of orgnaization of 21 main banks amounts to 7.51 trillion yuan, 8.8% what take each loan.