Financial services support the high -quality development of "specialized in specialty" enterprises

Financial services support the high -quality development of "specialized in specialty" enterprises

Wang Aoxiong

"Specialized new" enterprise is an important support for Chinese manufacturing and the key to a strong chain supplement. In recent years, Shandong Qixia Rural Commercial Bank has conscientiously implemented the work deployment of the Party Central Committee, the State Council and the Shandong Provincial Party Committee, and the Provincial Government on the "Development of Special Specialty New SMEs." Under the strong leadership of the Shandong Provincial Federation, continuously improved the quality and efficiency of financial services, and supported the high -quality development of small and medium -sized enterprises with "specialized new" financial services. As of the end of July, the bank has accumulated a total of 15 "specialized new" enterprises and a loan balance of 264 million yuan.

Establish a "professional" financial service team

In order to further do a good job of financial services for "specialized new" enterprises, Qixia Rural Commercial Bank established the "Specialty Special New" SME marketing docking special work leaders with the leader of the chairman and members of the team. In the group, the unique soldiers were transferred, and the "Specialized Special New" SMEs visited the marketing mobile financial service team. The leading group office was set up in the credit management department. The general manager of the credit management department was the head of the office. The Leading Group Office is responsible for the leading organization work, work plan formulation, daily work supervision and scheduling, and promotion of implementation of this event.

Develop a "refined" financial service plan

Qixia Rural Commercial Bank has specially formulated financial service solutions to support the "Specialty Specialty" SMEs, and includes the cultivation and development of the "Specialized Special New" SMEs into the development strategy. Safe, actively serve and integrate into the new development pattern, optimize the allocation of credit resources, and help enterprises solve financing problems.

Supporting "characteristic" financial service products

The bank develops exclusive products, combined with the characteristics of the production and operation of "specialized specialty" enterprises, developed exclusive credit products, and implemented differentiated management, and the loan interest rate gives moderate preferent Financing with warehouse receipt pledge, equity pledge and order financing, etc., and further expand the scope of the pledge of enterprises; expand the field of distribution, use the key technologies such as "card neck" such as electronic information, biomedicine, new materials, and chips Increase the promotion of loan products such as "transformation of scientific and technological achievements", intellectual property pledge, and other loan products, continuously enrich the channels for corporate financing guarantee in key areas, and effectively strengthen credit investment in key areas.

Carry out "novelty" financial service activities

The bank carried out online and offline "banking and enterprises" docking, made full use of the "Shandong CITIC Docking Service Platform", obtained a list of "Specialized Special New" SME cultivation list, actively connected to relevant functional departments, learned about relevant preferential policies in detail, and government with the government The functional departments jointly organized the "political and bank -enterprise" symposium to accurately docking to tailor financial service solutions for enterprises; deepen the first loan cultivation operation, increase the first loan cultivation of newly identified "specialized new" SMEs, and accelerate the acceleration Promote the expansion of "silver tax interaction" and "political and bank insurance", improve the efficiency of special loan loans and renewal applications; continue to carry out financial counseling, and enterprises that have been included in the list of small and medium -sized enterprises that have been included in the "Specialized Specialty" and the technical reform directory directory. , Continue to carry out precise counseling and increase the support of credit funds.

Yantai Smart Technology Co., Ltd. is a start -up technology company. It mainly focuses on the research and development, design, manufacturing, and engineering installation of industrial robots and automated production lines. The market prospects are broad. With the upgrading of the product and the continuous increase in R & D investment, the company's mobile funds have insufficient funds. Considering that some small and medium -sized enterprises in the jurisdiction are due to the lack of financing difficulties, Qixia Rural Commercial Bank gives full play to the role of intellectual property rights in integration industries and capital. Enterprise intangible assets "transform" to support tangible assets to support their own development. According to the company's actual situation, the bank has formulated a patent pledge guarantee financing plan, which will be launched quickly, and the 6 million yuan "intellectual property loan" loan will be issued to the enterprise in a timely manner, which has solved the urgent urgent need for corporate funds.

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