Henan Daily 1 version of the question: precise "emergency" small and small -supply chain finance of new financial and new kinetic energy ①

Editor

From the central government to the local area, in the measures of stabilizing the economy, supply chain finance has received widespread attention. How can it "rescue" small and medium -sized enterprises, "chain" connecting manufacturing, unblocking modern logistics, and ensuring food safety? From today, this newspaper has launched a series of "New Financial and New Calling Energy Supply Chain Financial Articles" report to see how supply chain finance has provided strong support for our province to fully implement the "Top Ten Strategy".

Henan Daily client reporter Wang Ying Li Peng

The seemingly impossible task has cleverly become "possibilities" in a week.

A state -owned enterprise in Henan Branch is the backbone enterprise of our province's construction market. The construction projects of their subordinates need to settle procurement and labor with hundreds of materials and labor suppliers. The settlement cycle of the construction industry is relatively long, and the funds of suppliers often take a long time. Affected by the epidemic of new crown pneumonia, the preliminary paid rhythm of the company's early payment was disrupted in May this year. In addition, how to pay migrant workers' wages as soon as possible to help them return to their hometowns as soon as possible, not only affecting the unblocked industrial chain and credit credit credit credit. It is also related to the overall situation of summer grain production.

The settlement involves many small and medium -sized enterprises, and the payment amount is between 100,000 and 1 million yuan. The amount is scattered, the time is urgent, and the responsibility is great. "Utilizing supply chain finance, suppliers' account opening, lending and other processes are completed within a week. As the core enterprise of the industry chain, based on the long -term credit and stable payment capabilities of our branch, 113 suppliers upstream and downstream have successfully obtained financing from banks to financing. 69.23 million yuan, these money money arrived quickly, which not only kept the industrial chain unblocked, but also allowed migrant workers to return to hometown with peace of mind! "On July 5th, the person in charge of the company recalled that the Industrial Bank Zhengzhou divided The behavior tailored the financial portfolio plan, used online financing products, simplified the service process, opened the green channel, and helped a lot.

The industrial chain supply chain is the "bone and blood veins" of economic development, with hundreds of thousands of small and medium -sized enterprises. However, these small and medium -sized enterprises that deeply cultivate the industrial chain supply chain have been facing the problem of financing difficulties and expensive financing due to weak qualifications and lack of mortgage.

"Unlike traditional mortgage loans and guarantee loans, supply chain finance adopts a new credit model. With the credit and real trade background of the core enterprises in the supply chain, the bank will quickly inject funds and quickly inject upstream and downstream small and medium -sized enterprises in the supply chain. The relevant person in charge of Xingye Bank Zhengzhou Branch said that the bank is constantly improving the online, platform, and scenario service system to use supply chain finance as an important breakthrough in the difficulty of financing small and medium -sized enterprises.

Since the beginning of this year, the relevant policies for bailout small and medium -sized enterprises have been introduced from the central government to the local area, requiring to further enhance the level of supply chain financial development, and guide financial institutions to quickly respond to the core and supporting enterprises' financing needs of the industry chain. Many banks in our province "grabbing the beach" layout of the supply chain financial business, accurately "emergency" small and medium -sized enterprises, and have become increasingly obvious in terms of "steady chain" and "bailout".

Guangfa Bank Zhengzhou Branch has pushed the automobile supply chain business and proposes to use automotive pledge as a channel for corporate financing. The bank has led the dealer and paid the upstream manufacturers based on the value of the pledged vehicle.

In response to the difficulties and challenges caused by the heavy rain and epidemic supply chain, the bank took the initiative to reduce the proportion of credit deposit for the enterprise, and the special inclusive loan approved for small and medium -sized car dealers for business turnover, with an annual loan scale of more than 30 million yuan. "We measured to help the enterprises and re -production, which not only stabilized the car supply chain, but also achieved the joint development of bank -enterprise cooperation." Said the relevant person in charge of Zhengzhou Branch of Guangfa Bank.

"The more the more you are developing, the stronger the supply and demand docking. "Small and medium -sized enterprises encounter difficulties, and there will be various problems in the purchase and sales of core enterprises, so it is difficult for this industry to cultivate and grow. "Mutual and win -win".

Reporter's note

The premise of "emergency" small and medium -sized enterprises is to allow financial institutions to find these enterprises accurately and quickly.

"Supply Chain Finance" has recently become a key word for bailout companies and stable economy. And this business form is gradually becoming an important means for financial institutions to accurately serve small and medium -sized enterprises.

How to be precise? In the past, a downstream dealer applied for a loan, from the application, approval to the average of two months; now, based on a large amount of transaction data, this process only takes one day, or even one or two hours. Supply chain finance truly achieves the needs of rapid approval, fast lending, and rapid response to small and medium -sized enterprises.

The river is full of water. It is hoped that more and more small and medium -sized enterprises in the industrial supply chain can taste more sweets in a timely and reasonable manner to get more benefits.

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