Economic hot spot face-to-face: big banks look forward to loving small businesses

Tonight, the "Dialogue" special Program "economic hot-face-SME financing Experiment" series will continue, Corey Bio-Manufacturing Co., Ltd., chairman of Qi Qing, will be in the program with Bank of communications credit personnel face-to-face site communication,　　The studio site version of the financing experiment will show you the whole process of the 10 million Yuan loan. "Economic hotspot face-to-face--SME financing experiment" is the "dialogue" column to match the channel "crack SME financing difficult" theme television activities, the financing experiment into the studio's special production.　　Apply for 80,000 yuan, 5 million yuan, 10 million yuan bank loans, as well as the application for 8 million Yuan venture capital of four small business owners, became the protagonist of the studio, they and the bank and the wind to invest in the scene, complete deduction of the whole process of financing, to become "case-type" + "research-type" four episodes series special　　Because small business owners are real loan applicants, they look forward to the urgency of getting loans to impress the studio guests, and the banks of financial innovation for the banking industry to provide a fresh case, the studio real financing experiment, suspense cluster, accidents. The field version of the SME financing experiment, through three links.　　Through the "Silver enterprise face-to-face, in-depth front-line, on-site audit loan" three links, focusing on the small business of the three products: character, products, goods, to "credit difficult, profitable, difficult to guarantee" carried out in-depth analysis.　　"Economic hotspot face-to-face--SME financing Experiment" series of the third stage, broadcast 23:05 today, in the financing experiment, the Enterprise is Corey Biological Manufacturing Co., Ltd., the bank is the bank of communications, they will apply to the bank for 10 million yuan to expand production. The bank said that because SMEs are often personified, SMEs and small and medium-sized enterprises are inseparable, a small and medium-sized enterprise of his conduct, his integrity will directly restrict whether the loan can be returned on schedule, so the bank is particularly concerned about the personal credit status of business owners.　　The small and medium-sized enterprises, however, believe that big state-owned commercial banks have deterred them. Shenzhen Plastic Co., Ltd. chairman Chu Jian said he had not dared to go to the big banks, just through the guarantee company to find some small banks, because at that time afraid of big bank shop bullying. Chu Jian said: "We have often looked for a bank, in fact, our company also operated for many years, to find a bank, we have no collateral, there is no guarantee, nor can we find a guarantee." "I did 15 years of financial work," said Mashume, financial director of a small business. In my financing process, the bank repeatedly mentioned is third kind, Third kind is your credit level high and low, so high in the country, high only may be 500 strong enterprises can be high, this threshold for small and medium-sized enterprises cut down. Another point is your guarantee, because you are small and medium-sized enterprises, large companies are not willing to give you guarantee, the process of guarantee is very difficult, then find private enterprises you do not have credit, how can you give others to guarantee it? The third third kind is collateral, so as SMEs, collateralBut there are too few that banks can think of as collateral.　　"In this financing experiment, we all have this consensus, 30 years of economic reform so that small and medium-sized enterprises to become a large commercial bank business expansion of a new blue sea." Wang Shaoxing, vice chairman of China Banking Regulatory Commission, said: "The company made a lot of complaints, I was disappointed, one is helpless, I also have four words, the first two words is understanding, the last two words is hope." I also want to give our colleagues and enterprises recommend two films, a film called "Non-interference", a film called "Dragon Play Chicken." Because of all the complaints of three entrepreneurs, it boils down to two questions, one problem is identity, the other is collateral. Then "Dragon" is exactly what we are talking about, since we are in love, is talking about happiness, we must abandon their equal. So as a big bank, Bank of Communications is one of the five major banks in China, then they also give up this kind of such a concept, also began to do the business of small and medium-sized Enterprises, then the 2nd just now I said another problem is that our company complained that the banking conditions are too harsh, the threshold is too high, then to have a qualified mortgage, Qualified guarantee. So I am here to emphasize the "non-interference" inside said, I think the market economy is not only to talk about competition, but also talk about equal trading, but at the same time should be more credit, talk about feelings. I think SMEs and our banks should be a kind of partnership, our banks can use collateral to diversify risk mitigation, but I would prefer that our banks build on that credit and build on a comprehensive understanding of the enterprise to build such a long-term, stable and mutually-won partnership , I think this is the most promising way for our future development.　　"Whether the intellectual property rights pledge, becomes the current issue 10 million yuan loan to be able to pass the focal point question." Bank of Communications Beijing Zhongguancun Park Branch president Wang Kai said there is a risk. Wang Kai said: "The value of intangible assets to confirm, the disposal of the risks after the mortgage of intangible assets will have a series of effects on the intangible assets Pledge loan, we come to introduce the Intellectual property pledge loan, so that my risk has actually passed through my" three products "," three watches "all other elements have been physically evaded, This time I choose intangible assets to do the pledge to fill the last blank, fill the blank of a guarantee. "China's commercial banks have gone through a mortgage fetish," said Wang, the World Bank's chief financial expert in East Asia and the Pacific, "and now we are blindly walking into the other extreme, giving up mortgages and guarantees, and in fact modest mortgages and guarantees are worth continuing to claim, and now the question is how to mortgage First about collateral and collateral, the national guarantee company thousands of, the entire leverage rate to how much? To two to three multiples, which is actually very low, such a multiple, leverage on the Chinese Credit guarantee agency, the industry as a whole, and did not really release a role, but because so many guarantee agencies do? A great deal of it is done by some and collateral-independent, usingSuch a quasi-operating licence in doing Business financial advisor, etc. such things, but their low guarantee rate, leverage is a reason, the reason is that if the commercial banks do not have the ability to repay the willingness and ability to truly understand, a guarantee company by what to do this? If banks fail to know the willingness and ability to repay their companies, the guarantee companies will not be able to do so, which is actually another version of the underlying causes of the financial crisis. "Dialogue" "economic hotspot face-to-face-SME financing experiment" Phase III will give you a true representation of this 10 million-yuan loan of the whole process of confrontation, and duly received the application of the loan.