You can borrow money from a bank to sell fruit.

Fruit can also borrow money from the bank (economic focus)-small micro-enterprise loan survey Zhu Lei Jiangnan Yu Ronghua Ondicai "People's Daily" (September 27, 2010, 21) "has not lent money, and did not think we such a small business can have banks willing to borrow money" where to borrow money? Every year before the advent of production season, the world's largest sock production base-Zhejiang Zhuji Datang Town Many socks small factory bosses are faced with such a problem. Datang town is active in more than 10,000 private hosiery enterprises, mostly small enterprises or family workshop-type enterprises.　　Since last year, the price of cotton yarn has gone up, and a lot of money shortage of socks factory bosses. Similar troubles have been entangled in Anhui Hefei Yi Chuang Electromechanical Equipment Co., Ltd. General manager Jia Wenbao. His enterprises to provide machinery, electronic products and accessories, electrical equipment and equipment, metal hot and cold processing, such as one-stop service. Jia Wenbao wants to expand its operations but suffers from a slow flow of funds. "Has not lent money, also did not think we such small enterprise can have the bank is willing to borrow money, empty idea to do not matter, anxious." "Small micro-enterprises small scale, low risk resistance, financial management and management is not standardized, the credit rating is not high." Banks are often unwilling to lend to such enterprises in order to ensure the safety of credit funds, reduce costs and improve economic efficiency.　　To solve this problem, in recent years, many banks through innovation, have launched a small micro-enterprise financing products. China Construction Bank Fujian branch from April 28 onwards to open the network bank "E credit", the service registered in Fujian province Alibaba network platform of small or small enterprises.　　Its model rating, credit process and enterprise credit process streamlining, lending speed. The microfinance project initiated by the Rural Commercial Bank of Maanshan in Anhui Province since May 2007 is also very popular. "Micro-credit" of the customer managers do not wait for customers to come, but the initiative based on predetermined market areas, the street, the strange visit to promote small micro-loans.　　Open the micro-credit Project customer list, there are stewed franchise stores, leather shoes beauty shop, fruit wholesalers and so on, the loan amount to hundreds of thousands of yuan, small to 10,000 yuan.　　Datang Town's socks factory owners and Jia Wenbao through the Minsheng Bank's small micro-loan project "Business lending" has been helped. A variety of security methods to reduce the small micro-enterprise loan risk, expand the scale of financing "without asset collateral, approval procedures simple, except to Hangzhou to do formalities on the way to spend time, about 1 weeks can be able to fix loans." "Zhuji Knitting Co., Ltd. general manager Yang Jian said. At the end of last year, Yang Jian with the local other 3 socks Enterprise Agreement Mutual guarantee, from Minsheng Bank Hangzhou branch successfully obtained 3 million yuan loan, bought a batch of cotton yarn. Last December, cotton yarn price of 23,000 yuan/ton, has now risen to 27,000 yuan/ton.　　Based on the price increase of raw materials, the 3 million-yuan loan has brought about 500,000 dollars of economic benefits to the small business with only 65 workers. "Small micro-enterprises are difficult to borrow, mainly because financial institutions generally believe that the risk is relatively large." It's asymmetric information.caused. "We have set up a professional team of marketing planning, Sales manager, risk management, and post loan management," said Ye Jun, president of Minsheng Bank Hefei Branch, extending the information tentacles to all corners of the small micro enterprises. The risk manager and the account manager go deep into the front of the credit investigation, which is the first in the Small Micro enterprise financing field.　　Minsheng Bank Hangzhou Branch makes full use of the Third-party platform, through the relevant government departments, Chambers of Commerce and industry associations to actively communicate, reduce the information asymmetry caused by the risk. Single Guarantee method is one of the main reasons for the difficulty in financing of small micro enterprises. "E-credit" support the electronic Commerce Joint loan, the enterprise only needs to form the UNPROFOR body, to the UNPROFOR member mutually guarantees as the basis applies for the loan, does not need to provide the set-off, the pledge or the guarantee.　　As of September 7, a total of 262 small enterprises and micro-enterprise network business clients accumulated financing business 1.007 billion yuan. "Commercial loan" is based on the traditional mortgage-backed way of real estate, and has increased the 11 kinds of security methods, such as the pledge of the right of store management, the pledge of accounts receivable, mutual insurance, UNPROFOR, natural person guarantee and credit.　　As of the first half of this year, "business lending" in the national cumulative loan of 140 billion yuan, the loan balance of more than 80 billion yuan, the cumulative support of small micro-enterprises 65,000, directly to the benefit of 300,000 employees. Hefei White Horse Clothing individual merchant Qin Dynasty has always wanted to expand the scale, looking for bank loans, the first need for real estate mortgage. "Why do we have so much spare money to invest in our property?" "Distress, the Minsheng Bank of the mutual security into the line of sight, do not need to mortgage, several merchants to the credibility of mutual guarantee." "Everyone knows each other, who has credibility who has no credibility, we all know." "Now Qin days to join the store has reached more than 50," in the past we are all of these businesses are dry, since the UNPROFOR, we unite to break into the market. "More and more banks are joining small micro-enterprises to meet the needs of small micro-customer financing, how to control the risk of banks?" "Through a lot of development-type loans, we have a survey of the business situation of some businesses, thus forming a preliminary understanding of the entire industry, and the industry has formed its own risk control system."　　Shang, head of retail banking at Minsheng Bank Hefei Branch. Ma ' Anshan Rural Commercial Bank's micro-credit project has implemented a special authorization level system, for different levels of managers to grant different amount of decision-making authority, high level of members can replace the low authority of the members to exercise decision-making power, do not need to step decision-making. The audit loan will be the only decision-making body of the small micro-loan, and the members with the same decision-making power can replace each other and guarantee the timely decision of the loan. Any member of the Commission shall have a veto. The case passed by the trial and credit will require the approval of the approving person to submit the corresponding authority, and the approver has one vote of veto power.　　By the end of August, a total of 3537 households had received small micro-loans, the total loan amounted to 269 million yuan. Minsheng Bank Hangzhou Branch, "business loan" Zheng Wei said: "Business loans in general thinking, follow the ' law of large numbers ' and' Income coverage risk ', grasp the overall risk, do not care about the case gains or losses. "In addition, Huaxia Bank launched the" Network self-service loans, customers can use the network platform to carry out with the loan, self-service and return of the recyclable renminbi loans ... It is believed that as more and more banks join the ranks of small micro-enterprises to solve financing difficulties, small micro-entrepreneurs will soon no longer have a headache for where to borrow money.