"Fur Loan" Accounts For Nearly 30% Of Customers In Chongfu Fur Market

"The 'fur loan' can be said to be tailor-made for us!" Boss Chen is from Shandong, and he does fur business in Chongfu. Because of the lack of guarantee from local people or local enterprises, it is difficult to lend money. "The 'fur loan' of Bank of Hangzhou only needs 5 merchants to form a joint guarantee body, and can apply for a loan, which facilitates our capital turnover!"

According to the introduction, Tongxiang Branch of Bank of Hangzhou launched the "fur loan" in 2012 in combination with its own small and micro financial products and the actual situation of Tongxiang small and micro enterprises, aiming at the specific situation of Chongfu fur industry, in an effort to solve the problems of difficult financing, expensive financing and lack of collateral for fur small and micro enterprises. By the end of August this year, 47 groups of "fur loans" had been issued to 149 merchants with a total credit amount of 132.8 million yuan, accounting for nearly 30% of the customers in Chongfu fur market.

"Fur loan" is a microcosm of Tongxiang Branch of Bank of Hangzhou serving small and micro enterprises in our city. The relevant person in charge of the bank said: "Since our opening, we have always taken small and micro businesses as the strategic focus of the sub branch, with the purpose of professional, convenient, friendly, and growth partners of small and micro enterprises Self employed With the goal of providing high-quality financial services, we will serve the development of Tongxiang's real economy through various product and service innovations, and vigorously support small and micro enterprises, especially technology-based small and micro enterprises. " According to statistics, up to now, Tongxiang Branch of Bank of Hangzhou has granted credit to 858 small and micro enterprises with an amount of 1.08 billion yuan, including 51 small and micro technology-based enterprises with an amount of 44.31 million yuan.

Since this year, Bank of Hangzhou Tongxiang Sub branches are inclined to small and micro businesses in terms of network setting, staffing and other resources, focusing on meeting the development needs of small and micro enterprises and small and micro businesses. At the beginning of 2014, Bank of Hangzhou Chongfu Small and Micro Enterprise Specialized Sub branch was opened to provide more convenient financial services for small and micro enterprises and individual owners in Chongfu and surrounding towns, and to meet the needs of small and micro businesses as much as possible in the case of tight marketing personnel Marketing Staffing: At present, the number of account managers of small and micro businesses is the total number of corporate and retail marketing personnel of the whole bank.

"We have launched a series of small and micro financial products, such as online self-service loans, mortgage loans, micro credit cards, farmer loans, etc., to serve the vast number of small and micro customers in our city. At the same time, in the process of serving small and micro enterprises, we advocate the guiding ideology of" going online and sinking down "." According to the introduction of the bank's head, "going online", That is, through various electronic channels, the service of small and micro businesses will be transformed into electronic, which can not only overcome the limitations of physical outlets and provide customers with more convenient services, but also through the innovation of pricing and repayment methods, interest will be calculated on a daily basis while borrowing, so as to effectively reduce customers' financial costs; "Downward sinking" means further diversifying the industry of service objects, making the small and micro customers more widely, and benefiting more small and micro enterprises and self-employed operators through small amount dispersion.