Huaxia Bank Small Enterprise financial services and innovation

December 21, 2010, "Huaxia Bank Dragon Boat Project Small Business growth gas station" nationwide roving event in Beijing kicked off a grand opening. China SME Association President Li Zibin, Huaxia Bank governor Shi, Beijing Municipal Bureau of Financial Services director Wang Hong for the event, Huaxia Bank chairman Wu, the PBC Business Management Department party secretary Yang Guozhong, Beijing Banking Supervision Bureau deputy director of Shangjian, the Beijing state-funded deputy directors Yin Yi province together with the "Dragon Boat Sailing" drum. Beijing Investment Promotion Bureau deputy Director Zhou Xu, Deutsche Bank China Business and Investment Banking department, managing director of Zhu Tong, Huaxia Bank vice President Ninyong and other leaders invited to attend the event, the PBC Financial Research Department, the CBRC supervision of two, the Beijing Banking Regulatory Bureau joint-stock supervision,　　Beijing Economic and Information Commission SME division, Beijing SME Service Center and other institutions, hundreds small business units and more than 20 media to participate in the joint witness for small enterprises to build "dragon boat project Small Business gas station" new activities of the departure. The initiation ceremony ended, the People's Bank of China Institute of Scientific Research organization Wu Xuchuan, the CBRC supervision of the second director of Zhangxiaoxong, Huaxia Bank SME Credit Department general manager Lu Xiaoqun, Beijing SME Service Center Director Zhang Yiping, the chairman of the Gold Group Chen Li and other experts from all walks of life, around innovation, growth,　　Take off three enterprises to develop the key nodes, the small enterprises in the growth process of financing difficult to open a dialogue, to explore the development of small and medium enterprises cooperation model, and in accordance with the difficulties of enterprise demand, introduced the Dragon Boat Project characteristics of the products can provide solutions. "Small Business Growth gas station," The national tour is the Chinese bank dragon boat plan after "China star Excellent small enterprise pioneer" after another support for small enterprises activities, through the deepening of the "Dragon Boat Project" innovative products and services brand connotation, in Beijing, Qingdao, Chengdu, Wuhan, Nanjing, Wenzhou and other cities to carry out nationwide tour activities,　　Many small business customers will receive free financial knowledge training, guide small enterprises in accordance with their own circumstances to choose the most suitable, most effective financial services products, so that many small enterprises generally benefit from the development of new impetus. As a medium-sized joint-stock listed commercial bank, Huaxia Bank has always regarded the service of SMEs as Huaxia Bank should bear the social responsibility.　　Over the years, Huaxia Bank in the small enterprises to provide quality financial services on the road to continue to explore, and constantly innovate research and development for small enterprises financial services demand for products, services a large number of small business customers. 2009 Huaxia Bank launched the Small Enterprise financial services brand "dragon Boat Project", and with "small, fast, spirit" characteristics of the product, according to the Small Business growth cycle, planning the "entrepreneurial through the boat, the exhibition of Shenzhou, Zho Ye dragon Boat" three major product lines, the integration of innovative financing, settlement, financial and other 35 products and service programs. From the customer demand, the guarantee method, the loan term, the interest rate price, the repayment way five aspects carries on the innovation, has tailored 11 specialized products for the small enterprise customer. Aiming at the problem of small enterprises ' mortgage guarantee insufficiency, the paper develops the "UNPROFOR joint loan"; to reduceSmall business financing costs, and microfinance companies developed a "sell-off relay loan", for high-quality Small business customers to provide value-added services, launched a "value-added loan", for the financing needs of small enterprises to provide "fast loans", to solve the day-to-day operation of small business funds recycling problems, the introduction of "revolving loan" To solve the capital bottleneck of small enterprises in the initial purchase of fixed assets, launched the "Legal person mortgage loan"; In order to reduce the repayment pressure of enterprises, developed a "grace period installment repayment loan"; In order to meet the customers flexible procurement, the introduction of free combination, the length of the zero-sum swap "ticket replacement"; For small business owners launched a credit card as a carrier　　Small Business main value-added loan ", for the specific network platform customers launched the" Network self-service loans "for small business customers in the market, relying on the trading market, shopping malls and other commercial districts launched a" Business circle loans "a total of 11 products.　　In the second half of 2010, Huaxia Bank United China Small and Medium Enterprises Association co-sponsored the 3-month "star of outstanding small enterprise Pioneer" activities. Activities, Huaxia Bank invited well-known domestic economists, entrepreneurs, bankers, common to the development prospects and financing risks of the consultation, not only to show the style of small enterprises, but also to help small enterprises to solve financing problems. At the same time, Huaxia Bank for the award-winning enterprises tailored corporate financing programs and financial products and services, hoping to work with the outstanding small enterprises "together, common growth", thus promoting the smooth and rapid development of social economy.　　Activities in the community has a greater impact, hundreds of of small enterprises enthusiastically enrolled in the contest, many netizens participate in online comments, has been affirmed by the majority of customers. At present, the small business of Huaxia Bank is developing rapidly, which has provided comprehensive financial services for more than 136,000 small enterprises. At the end of November, the small business loan increment was 2.18 times times the annual increment of 2009, the growth rate was higher than the average growth rate of 20.45%, which reached the supervisory department's "two no less" job requirement in advance.　　At the end of 2010, the loan balance of small enterprises will break through the mark of hundred billion yuan, small business loans accounted for not less than 18.9%. Over the next three years, Huaxia Bank will focus on building the "SME financial services Provider" strategic objectives, from the mechanism, human resources, financial allocation, performance appraisal and so on to further increase the resource tilt to small business; strive to provide comprehensive financial services to 200,000 of small business customers, the number of SME loans to customers not less than 50,000,　　Small business loans accounted for no less than 30%. Huaxia Bank will further work to promote the development of financial services for small enterprises, to help small enterprises continue to achieve self-improvement, more achievements in the pillars of China's economy, Huaxia Bank will also usher in a leap-forward development.