"Partner" helps enterprises, paired in 31 small and micro enterprise parks in Ningbo has &

Zhejiang News Client reporter Li Hua

"What are the conditions for the mortgage loan of the park in the park?" "Can the enterprises in the park be approved in batches?" ... On June 13, more than 10 banking institutions in Ningbo sat with the person in charge of more than 30 small and micro enterprise parks to negotiate face to face. On the same day, at the Ningbo Banking Insurance Regulatory Bureau and the Ningbo Economic and Information Bureau jointly organized the rescue of the enterprise and the first round of the small and micro enterprise park "Partner Bank" silver park docking meeting, they had just paired as a "partner".

In early 2021, the Ningbo Banking Insurance Regulatory Bureau and the Ningbo Economic and Information Bureau launched the pilot "partner bank" of small and micro enterprise parks in Puzhou District. 8 high -star parks in Lizhou District form a "partner" relationship with 11 banking institutions. Silver The three parties of the park enterprises have in -depth cooperation and in -depth docking.

"Through 'partner banks', the park companies can enjoy special financial service solutions and credit products. At present, one -third of enterprises have obtained loans." Yu Xiaobo, general manager of Langchuang Technology Incubator, said that the park is created by the initial creation. Enterprises are mainly small loans of "short flat". Because of the lack of mortgages, many companies face financing difficulties. With the "Partner Bank", the park companies have exclusive credit products, and financing is more convenient and more efficient.

According to statistics, since the pilot, the "partner bank" involved in the pilot has a total of 621 million yuan in small and micro enterprises for "partner park". At the same time, the banking institutions have further sinking the focus of service. A total of 2,685 small and micro enterprises in 149 parks in 149 parks a year, with a credit of 12.262 billion yuan, and the number of small and micro enterprises increased by 57.48%compared with the previous year.

At the "Partner Bank" Silver Park docking meeting of the small and micro enterprise park on the day, 12 financial institutions including Construction Bank, Tyron Bank, and Ningbo Bank signed a contract with 23 small and micro enterprise parks in Ningbo City, forming a "partner" relationship. Coupled with the previous eight pilot parks, a total of 31 small and micro enterprise parks in Ningbo have their own "partner banks".

"In this year, in order to further solve the problem of financing difficulties for small and micro enterprises, we have summarized the" partner bank "work plan on the basis of pilot experience, which is promoted in the city of Ningbo." The "partner bank" will use the mechanism to help the corporate policies' implementation points, and explore new methods, new models, and new paths for banks to implement credit loans from small and micro enterprises.

At present, Ningbo has established a "partner bank" cooperation mechanism. Both parties and parks will designate special teams or special personnel to be responsible for the "partner bank" work, build an information communication platform for "bank institutions -park -entering park enterprises", and timely respond to the enterprises of each enterprise each Demand for financial services. At the same time, the banking institutions are encouraged to set up a credit plan for the cooperative park, prioritize the scale of credit, reasonably determine the loan interest rate of small and micro enterprises entering the park, reduce other expenses, and reduce the financing costs of small and micro enterprises.

In addition, the Ningbo Banking Insurance Regulatory Bureau will also conduct a regular evaluation of the Ningbo Economic and Information Bureau to conduct regular evaluations of the park and banking institutions, and to the existence of unsteady docking work, low -end power, poor service attitude, insufficient work cooperation, etc. The park and banking institutions of the problem implement a two -way exit mechanism.

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