Microfinance companies develop rapidly to explore financial services

The birth of microfinance company solves the problem of financing of small and medium-sized enterprises to some extent, and solves the problem of insufficient funds in rural operation, and it is also an effective supplement of existing financial institutions.　　In all aspects of the promotion of microfinance companies springing up rapidly, Zhejiang Province, a total set up more than 100 micro-finance companies.　　Because of the advantages of simple procedures, flexible operation, moderate amount and risk diversification, micro-loan companies can attract a certain amount of enterprises to enter the financial market directly, or they can obtain the credit of the bank through their own credits, and through the financing business, the bank's large loans will be decomposed into several small loans and the platform At the same time, micro-loan companies to some extent reduce the SME financing threshold. Small and medium-sized enterprises, less mortgage assets, security cooperation is difficult, it is difficult to obtain loans from the bank.　　Microfinance companies can reduce the financing threshold of small enterprises by means of flexible mechanism, and help a group of SMEs that have difficulty in obtaining bank credit through traditional channels to solve financing problems. As the first batch of microfinance companies in Zhejiang Province, the capital of Shaoxing County Huijin Micro-Loan Co., Ltd. was increased to 400 million yuan.　　Company to "service small and medium-sized enterprises, promote the development of agriculture and rural" for the purpose, around the "laying the groundwork, creating characteristics, take the forefront," the work of the goal, opened the market, expanded the impact of the creation of characteristics, the indicators ranked in the forefront of the province, 2009 loan "no overdue, no Shing, no bad", as a provincial micro-loan company in the benchmark. Microfinance companies should be good at "small articles", adhere to differentiated services, the bank is unwilling to do, do not want to do, can not loan customers as their base customers. In the face of vulnerable groups, to take a strong service to build a "Pu hui" financial system. Huijin Company set up a micro-customer incubator, full-time service in college students entrepreneurs, textile City market operators, micro-small enterprises and other low-end customers, for them to deal with loan procedures, to provide financial advisory services. Because our company is located in "China textile city" reputation of keqiao, textile city has 13,000 households, 100,000 passenger traffic, business space is very broad.　　Our company and textile City 15 large chambers of commerce, relying on chambers of commerce for China Textile City market operators to provide convenient and efficient microfinance services.　　Microfinance companies should be close to the "agricultural size", to promote "three rural" development, is one of the company's business purposes, we actively explore services "three rural" economic new mechanism has also made a positive effort. First, the organization of "three rural" loan team, launched a loan survey.　　One by one visit to engage in agricultural production, management and agricultural products processing farmers professional cooperatives and other target customers, the field consulting customers loan needs. Second, the implementation of agricultural loans "3+1" (companies, agricultural leaders, farmers + Agricultural Bureau) model. Shaoxing County in the agricultural leading enterprises more, and better efficiency, and the agricultural leading enterprises under the scale of breeding households dispersed, lack of liquidity, and no effective collateral, financing difficult. In order to effectively solve the problem of financing of this part of the farmers, through the county Agricultural Bureau recommended by the Agricultural leading enterprisesFocus on the agricultural breed farmers guarantee, the company issued timely loans, creating a new model of agricultural loans. Third, try new type of guarantee.　　By signing a tripartite agreement with the employer and the contractor, the preferential tenancy rights such as land, water surface or pond of agricultural breed farmers are pledged, and the loan formalities are handled, which effectively solves the financing problems of the farmers who have no valid collateral and guarantor. Four, in two villages set up "Hui Nong" loan pilot, for mountain farmers to provide small, low-cost agricultural loans. We launched the "Seed benefit loan" "Agricultural Benefit Loan" series "Hui Nong" loan business products, procedures simple, interest rate concessions, catering to the real needs of the vast number of farmers. (Zhejiang Shaoxing County Huijin Small Loan Co., Ltd. Chairman Wang Songhai)