Financial innovation, "loan" for individual households

At noon on August 5th, the Chen family six dishes in Bailemen Plaza in Hefei Economic Development Zone gradually became lively.

Chen Yong, the dark skin, held a big red contract, stepped into the restaurant: "It's really hot today, but I am really happy, I applied for 750,000 yuan to save the money!" Chen Yongchao is the person in charge of this restaurant. This year, this year, this year, this year, this year, this year, this year He encountered the biggest difficulty in starting a business in 7 years.

Chen Yongchao calculated the account for reporters: "Renting is more than 80,000 yuan per month; more than 30 employees are hired in the store, and the monthly salary is nearly 200,000 yuan; the purchase of ingredients every day is also a lot of expenses. Three or four. At the beginning of the month, affected by the epidemic, even for several months, the funds of my hand were almost consumed. Recently, the situation is better, but the income is one -third less than the same period last year, and the funds are very stressful. "

Some time ago, the person in charge of the business district walked into the restaurant to learn about the business situation, and brought good news to Lao Chen -the provincial Puhui Guarantee Company launched a batch guarantee product of the business district. In the past, Chen Yongchao had not dealt with the bank and didn't know how to loan. The person in charge of the business district brought the bank's client manager this time to introduce the product situation and the materials he needed. The most important thing is that there is no need to mortgage, and the interest rate is relatively low. Chen Yongchao can also use loans, which is very convenient.

"Today, together with several other merchants, I signed a contract with the guarantee company and bank. I applied for 750,000 yuan. The Hefei Economic Development Zone Management Committee also specially held a signing ceremony. 2. Merchants who are interested in the business district's loan attended. After the signing of the contract, many merchants consult around me. "Chen Yongchao said with a smile.

It is understood that in order to actively explore the development of the new model and new business format of inclusive finance, effectively alleviate the development and financing problems of business circulation, and support the public's entrepreneurial innovation. Model, formulate batch guarantee products in the business district, can provide corporate legal persons and merchants with a maximum guarantee amount of 5 million yuan. It can reach 36 months.

"This product is a batch guarantee service provided by the company's core business district (street) or business districts in the trade market, and apply to the cooperative bank for production and operation turnover." Wu Hui introduced that relying on the company's own service network and fintech advantages, the company adopted the "seeing loan" model to provide online or offline batch unsecured guarantees for business districts, and the merchant loan loans in the business district. Effective risk control through risk ratio sharing and compensation control mechanism.

In the first half of this year, the Provincial Local Financial Supervision Bureau, the Hefei Center Sub -branch of the People's Bank of China, the Anhui Banking Regulatory Bureau, the Anhui Securities Regulatory Bureau, and the Provincial Department of Finance jointly issued the "Several Measures on the Development of Financial Assisting Enterprises". Financial services of the main market, promoting loans of commercial districts, and providing merchants with unsecured mobile funds loans. Before the end of 2022, the entire province's core commercial district (street) business district loan is fully covered.

"Due to the requirements of stabilizing growth, stabilizing market players, and employment, this year's credit investment is closer to the needs of the market entity." The relevant person in charge of the Anhui Banking Insurance Regulatory Bureau introduced that in the first half of this year, the province's individual industrial and commercial household loans were compared to the beginning of the year. Increasing 166,100 households and 26.907 billion yuan, and the "first loan households" of small and micro enterprises exceeded 16,000, a year -on -year increase of 30%.

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