Hunan Daily Headline Promotion | Changde City's "Financial Supermarket" to break the difficulty of corporate financing

Open the "My Changde" APP into the "Financial Supermarket" port.

In the comprehensive service area, news policy consultation, corporate financing needs release, equity financing, northwestern Hunan capital market service base, product comparison, and the service is fine.

As of the morning of August 27, there were 35,761 registered users, with 14,300 credit applications, a total credit of 24.5 billion yuan, and a total loan of 20 billion yuan.

为稳住市场主体、激发市场活力，常德市从2020年底开始，利用互联网、大数据，整合政府扶持政策、公共信用信息等资源，创新金融服务，在全省率先打造网络化、一站式、 High -efficiency and public welfare comprehensive financial service online platform "Changde Financial Supermarket" provides strong support for promoting high -quality development.

(Published on the front page of Hunan Daily, August 28, 2022)

Open the data barrier of political and bank -enterprise data

Smart City opens up financial flowers

In 2020, the epidemic of new crown pneumonia occurred, the downward pressure on the economy increased, and small and medium -sized enterprises were struggling.

The financial strong is economically stable. Changde takes the breakthrough of corporate financing difficulties, expensive financing, slow financing, etc., and uses the "financial" toolbox to gather resources to create a new comprehensive online financial service platform "Changde Financial Supermarket".

Construction of supermarkets online, data is the foundation. As early as 2015, Changde took the lead in setting up the city's unified government data sharing exchange platform in the province. It has now collected 2462 data catalogs, and the total data has exceeded 5.2 billion, providing support for the city's 68 key businesses.

"Changde Financial Supermarket" APP interface

The huge database laid a solid foundation for creating a financial supermarket.

Changde uses technological forces such as 5G, big data and AI cloud to promote the construction of financial supermarkets. On December 26, 2020, the "Changde Financial Supermarket" was launched on the "My Changde" APP, and it was operated by Hunan Caixin Group. The financial "high -speed road" was opened.

With the achievements of the construction of smart cities, the "Changde Financial Supermarket" has constructed a comprehensive financial service platform and carries the functions of government and bank -enterprise information communication, online lending and other functions. It is an outer window and smart portal. Internet and financial data are evaluated to enterprises and personal credit, providing credit increase services for enterprises, and defense for financial risks.

The "one network" opens up the data barrier of political and bank -enterprise, and "one -stop" provides comprehensive financial services.

According to the person in charge of "Changde Financial Supermarket", relying on big data resources, the supermarket builds 5 major models including risk access, rating credit, interest rate pricing, post -warning warning, and intelligent collection, and promotes loan application access, rating credit, lending repayment Models and post -loan management to realize the intelligentization of the whole process.

"Changde Financial Supermarket" has access to the city's 4.1 billion public information to share the city's big data center, and has deeply applied the data -related data -related data to bank products and corporate financing loans to achieve high efficiency of government and banks and enterprises and enterprises and enterprises. Docking.

Enterprise selection like a supermarket

Two -way choice mutual benefit and win -win situation

Hunan Olin Material Technology Co., Ltd. is a company that produces zinc steel products such as anti -theft doors and windows. In June last year, companies urgently needed funds to expand production. "We release the demand for non -fixed loan financing in the financial supermarket. Three banks participated in the 'grabbing order'. In the end, our goods received 3 million yuan in loans than three, and the interest rate was only 3.85%. Essence

"Changde Financial Supermarket" breaks the traditional model, develops a "grab order" mechanism, and allows many financial institutions to "grab orders" for review on non -fixed financing needs to win customers to win customers. Today, the company's loan time is reduced from offline to 18 days from offline to 18 days. Among them, the entrepreneurial guarantee loan that supports entrepreneurs and small and micro enterprises to expand employment is only 3 days from the application to lending. The comprehensive cost interest rate of corporate loans is only 4.86%per year, and the loan rate of small and medium -sized enterprise platforms reaches 82%. The demand for industrial financing is better met.

The "one -click" financing supply and demand docking has allowed companies to taste the sweetness of selecting loans, and financial institutions such as banks also benefit. The online financial institutions are authorized by enterprises. They can inquire about public credit information such as taxation, industry and commerce, power supply, and judicial information through the platform, and comprehensively evaluate the credit limit for enterprises, and effectively reduce the dependence of bank risk control (quality) and guarantee measures.

"Diversion on the financial supermarket line, allow banks to accurately screen, batch customers, solve problems such as information, risk control, credit acquisition and credit increase, and improve loan efficiency and risk recognition capabilities. Relying on this platform, our bank will add small, medium and micro企业客户128家，占新增客户28.95%。”华融湘江银行常德分行行长袁广红介绍，今年3月，“常德金融超市”联合华融湘江银行，面向常德市小微企业、个体工商户、 Urban and rural residents, etc., launched a pure credit consumer loan product "澧 澧 城", which has exceeded 100 million yuan as of July.

"Changde Financial Supermarket" online ceremony

Accurate "drip irrigation" of financial live water

Better to serve the real economy

"Changde Financial Supermarket" provides inclusive financial services online and offline to meet the personalized and diversified financial needs of small and medium -sized enterprises in the local area, allowing them to enjoy the "one -stop" financing support and promote the stability of the economy.

The industrial park is the "base camp" for the development of small and medium -sized enterprises. Hunan Caixin Group led the "Financial Supermarket Entering Park" activity. The president of the bank and the leaders of the guarantee agency went deep into various industrial parks and served in front of them. The president of the bank turned into a "financial advisory" to understand the financing needs and formulate financing plans on the spot. The financing guarantee is in one go, and the quality of the financial services is higher. "The most difficult time is that the financial supermarket helped us." Yang Yuhong, general manager of Hunan Guozong Aluminum Co., Ltd., was emotional. In early 2020, affected by the epidemic, the company's project funds under construction were tense and stopped working for several months. Caixin's Caike Guarantee Company actively contacted the enterprise to provide it with a guaranteed loan of 10 million yuan through the "Changde Financial Supermarket" to ensure the smooth progress of the project. Last year, the company was short of shortage of funds due to its expansion of production and rising raw materials. "Changde Financial Supermarket" redesigned the product, providing a 30 million yuan supply chain credit guarantee, which solved the urgent need. Last year, the output value of Guozong Aluminum exceeded 300 million yuan.

Hunan Caixin Group also extended its service angle to the countryside, and launched the "rural revitalization loan" based on the characteristics of small amount of rural financial demand, short cycle, and decentralization, and opened up the "last mile" of rural digital inclusive finance.

"Changde Financial Supermarket" enters the park to solve problems

In the past few days, moderate droughts in some areas of Changde.考虑到种养大户的难处，湖南财鑫集团主动将担保费率降至0.5%，协调银行金融机构下调“常德金融超市”相关产品贷款利率至4%以下，并开辟“快审、快批、 Quick office "green channels, and fully support farmers to resist drought relief.

At present, "Changde Financial Supermarket" has launched financial products covering 4 categories: credit, guarantee, mortgage, pledge, including credit loan, entrepreneurial guarantee loan, science and technology loan, export loan, and Huinong E loan to meet different users. The hierarchical financial demand will gradually expand comprehensive financial services such as insurance, equity investment, and line shows. "Changde Financial Supermarket" helped private small, medium and micro enterprises to facilitate financing experience to be selected as "China Business Environment Report 2021", and was introduced by the Ministry of Finance's "Emotional Information".

Source: Hunan Daily · New Hunan Client

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