Due to the inheritance of history, large banks and large enterprises have established a deep relationship between banks and enterprises. However, it is not only small banks that can serve small and micro enterprises. Large banks can also make great achievements in the field of small and micro enterprise services, and they also have capital advantages, information advantages and technological advantages. Since 2011, the ICBC Jiangxi Branch has deepened its transformation, revitalizing the stock and using the incremental. In the continuous business transformation, the Bank's own business development is combined with the real economy, especially small and micro enterprises, and actively supports the development of small and micro enterprises. In the past three years, the accumulated loans for small and micro enterprises have exceeded 50 billion yuan. As of the end of May 2014, the balance of small and micro enterprise loans exceeded 30 billion yuan, and the number of loan customers exceeded 23,000, and a mature financial service model of small and micro enterprises with ICBC characteristics was gradually formed.
In order to help small and micro enterprises to ease the pressure on capital turnover, ICBC Jiangxi Branch actively cooperates with small and micro enterprise capital chain, industry chain and logistics chain information to actively develop supply chain financing business. On the one hand, it cooperates closely with the core enterprises to handle trade finance based on accounts receivable formed by small and micro enterprises and core enterprises, to solve the problem that the company's payment cannot be returned in time, and at the same time reduce the financial and management costs of small and micro enterprises; On the other hand, giving full play to the advantages of ICBC channels, even if the core enterprises are different from the locations of upstream and downstream customers, they can realize a cross-regional service model with a little access and full service. Since its launch, the financing service has been widely welcomed by customers. As of the end of May, the bank's trade finance business balance has exceeded 9 billion yuan.
The bank also optimises the short-term, frequent and urgent financing of small and micro enterprises, and promotes the four-in-one-stop service of rating, credit, collateral, and financing services for small and micro enterprise credit business. Business integration of multiple processes and multiple processes is handled by one person and one process. At the same time, the electronic business declaration and approval for small and micro enterprise credit business, from the background to the front desk service, front and back office for customer service two dimensions, vigorously promote small and micro enterprise business accessibility services, and continuously improve the efficiency of small and micro enterprises credit operation.
In order to further support the development of small and micro enterprises in the park, since October 2013, the bank has further promoted the development of the financial park credit business on the basis of political and financial cooperation. In-depth industrial parks across the province to carry out the financial park credit project docking, promote the industrial park small and micro enterprise credit business batch acceptance, in a short period of time for the province's industrial park small and micro enterprises sent a timely rain, only two months 220 small enterprises donated 800 million yuan and issued loans of 500 million yuan, which achieved good results. At present, the bank has issued more than 1.3 billion yuan of financial credit loans to small and micro enterprises in more than 340 industrial parks, an increase of 800 million yuan from the end of the previous year, opening up new financing channels for small and micro enterprise customers.
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