Less than 2 years of establishment, help more than 30 small and micro enterprises every day to get "solve the money" ......

Author:Hubei Daily Time:2022.07.04

In less than two years, the average of more than 30 enterprises per day to get financing to crack the funds.

This is Wuhan Financing Guarantee Co., Ltd. (referred to as "Wuhan Rong Enterprise Company"), which was born in the critical period after the epidemic of 2020). Two years, the company has become the province's largest government financing guarantee agency (direct insurance agency), and has become a intimate serviceman for financing of small and medium -sized enterprises.

On June 13, Deng Zhengguo, general manager of Wuhan Rong Company, was the Hubei Daily 5G studio to introduce the story of helping small and medium -sized enterprises to open up the "hardest one kilometer" of financing.

Business card

Wuhan Financing Guarantee Co., Ltd. was established in November 2020. It is the only municipal -level government financing guarantee agency in Wuhan. The Wuhan Finance Bureau fulfills the duties of the investor. For Wuhan Trade Group. At present, the company's policy financing guarantee business is at the forefront of the province.

Help more than 30 companies every day to get financing

Wuhan Return Company was established in a special period of special tasks. In 2020, at a critical moment after the emergence of the economy, facing the financing problems that small and micro enterprises and individual industrial and commercial households generally faced, the Wuhan Municipal Party Committee and Municipal Government decisively decided to establish municipal government financing guarantee institutions. In November 2020, Wuhan Rongyu Company was formally established.

Financing guarantee institutions can provide funds and credit guarantees for enterprise development, and solve temporary capital difficulties encountered by SMEs in the process of production and operation. In the new type of government and banking cooperation mechanism in Wuhan, financing guarantee companies have played an important role.

One of the cores of this mechanism is the "four -party duct". When the risk of modern compensation, the state financing guarantee funds and provincial re -guarantee groups, guarantee agencies, banks, and urban areas are followed by 4: 2: 2: 2 respectively. The proportion is assumed; the second is the "four supplementary mechanisms", that is, the Wuhan Municipal Government gives the company's grant capital supplement, premium subsidy, risk compensation, and business awards.

"Unveiling is open, and formation is formed." The company adheres to the government, policy, and quasi -public positioning, focusing on serving market entities such as Wuhan small and micro enterprises, "dual innovations", "agriculture, rural areas", and qualified strategic emerging industries to alleviate financing difficulties and expensive financing.

In less than two years, Wuhan Rongfang Company provided a policy financing guarantee service for more than 18,000 small and micro enterprises to provide a policy of 12.7 billion yuan, which is equivalent to the average of more than 30 companies per day to get financing. At present, the company's policy financing guarantee business is at the forefront of the province.

"Guarantee is the" courier 'of government credit, the "firefighter' of the banking business, and the" Correspondent "of the development of the enterprise. There are 20 cooperative banks, 18 banks, and more than 153 branches.

On June 13, Deng Zhengguo (right), general manager of Wuhan Financing Guarantee Co., Ltd., was a guest talk about the whole media of Hubei Daily entrepreneurs. (Photo by Hubei Daily All Media Reporter Ke Hao)

The guarantee fee reduction is over 250 million yuan

"Where there is a difficulty in financing, there will be our figures that we will bare the company. As long as it is a reasonable financing demand for small and micro enterprises, it will be included in the scope of support." The policy "inserts one pole to the end".

In mid -May last year, the tornado winds in the Junshan area of Caidian District and the Marshand District of Wuhan Economic Development District. Faced with extreme disaster weather, Wuhan Rongfang Company's rapid action, with Wuhan Rural Commercial Bank and Hankou Bank, carried out assistance to farmers and enterprises with severe disaster conditions. The demand for Yuan financing should be guaranteed to the seven of the enterprises that require financing support support for the guarantee. "In terms of reducing the financing cost of small and micro enterprises, the national optimal cost reduction policy is implemented, and the proportion of pure credit guarantee business accounts for more than 99%." Deng Zhengguo introduced that the company's annualized guarantee rate is not more than 1%, and the single households 100 are 100 households. The loan of less than 10,000 yuan is exempted from the guarantee fee, and the preferential fee rate is performed on the affected affected and the market entity affected by the epidemic and the impact of the supply chain, and the average annualized guarantee rate rate is as low as 0.5%. Up to now, a total of more than 9,000 enterprises provide free services, reduce costs for 6,000 enterprises, and have a cumulative reduction of guarantee premiums exceeding 250 million yuan.

At present, a new round of financial help companies are promoted from the central to the local government. "The main body of the market is to keep employment and protect people's livelihood. At present, it is the key moment to play the role of government financing guarantee agencies." Deng Zhengguo introduced that Wuhan Rongfang Company is increasing the assistance of some industries with a larger impact of the epidemic. Opening up the "last mile" of corporate financing is also "the hardest one kilometer".

In response to the realistic dilemma of the accommodation and catering industry, Wuhan Rongfang Company formulated a special action plan, established a green channel, and quickly launched the "residential dining babies" products. Two years of business considerations to help them quickly spend the difficulties. After the special plan was launched, more than 30 catering companies were touched in 5 days.

More than 20 products meet the needs of different enterprises

Wuhan Rongfang Company is focusing on four types of market entities such as science and technology, small and medium -sized enterprises, "dual innovation" subjects, agricultural -related entities, and supply chain groups. Specific products of enterprises during the development stage.

Hubei Jin Runde Environmental Protection Technology Co., Ltd. is a high -tech enterprise focusing on industrial sewage treatment. During the 2020 epidemic period, some of the enterprise's engineering stopped working, and mobile funds were in great difficulty. Wuhan Rongjian Company sent the first guarantee service after its establishment to help Jin Runde's difficulties. Later, it continued to support and accurate drip irrigation to help the enterprise continue to grow and grow. In April this year, the latest list of the fourth batch of special specialty "little giants" in Hubei Province was on the list of Jin Runde.

Technology -based small and medium -sized enterprises are one of the key fields of Wuhan Rongrong's key services. In response to the characteristics of small assets and high intellectual density of science and technology enterprises, under the strong support and guidance of the Municipal Science and Technology Bureau, Municipal Finance Bureau, and Wuhan Branch Camp Management Department, Wuhan Rong Bao Company promoted the implementation of the "Science and Loan" model. The scope of accurate support is clear, and enterprises of high -tech enterprise certificates and national technology -based SME information databases can obtain financing support.

The company has also developed special products such as "talent burden" and "incubation", allowing technology -based enterprises to have more financing channels. This year, it has provided financing guarantee services for 350 small and micro enterprises, and the scale of technology guarantee business has reached 700 million yuan.

"Being a good science and technology enterprise financing" intimate person ', helping Wuhan to accelerate the construction of a scientific and technological innovation center with national influence. "Deng Zhengguo introduced that Wuhan Rongfang Company specially set up a science and technology guarantee service center and set up a special work class to set up capable forces. Establish a special assessment mechanism to enhance the sense of financing services of science and technology enterprises.

Strive for over 25,000 households in the annual service of small and micro enterprises

"Focusing on the needs of convenient financing, we insist on the two models of online and offline." Deng Zhengguo introduced that as of now, Wuhan's online business scale has reached 4.4 billion yuan, accounting for nearly 35%.

Wuhan Rongyu Company has embedded the guarantee module into nine online product processes of cooperation banks, and has cooperated with ICBC and CCB to complete the first business of "National Express Loan" and "Good Loan Loan" in the province. Loan application, approval, signing, lending, repayment, guarantee and other process procedures, no need for paper materials to be submitted, and truly achieve the "301" model of "3 minutes loan, 0 manual intervention, 1 second loan".

This year, in order to effectively reduce the financing costs of small and micro enterprises in Internet banking channels, Wuhan Railway Company and two Internet banking two Internet banking two Internet banks have cooperated with online, batch -by -ization policy guarantee loan products "E loan shares shall be shared "". Through the risk sharing mechanism, this product realizes that interest decreases by nearly 1 percentage point than ordinary Internet banking products, allowing customers to open mobile phones and move fingers to get lower cost support.

"Guarantee is responsibility. Wuhan Rong Employment Company will promote the construction of small and micro enterprises 'financing service ecosystem, offline service network system, and online smart guarantee system'" three major systems 'construction, and continue to improve the quality and efficiency of small and micro enterprises' financing services. "Deng Zhengguo introduced The company strives to have an annual growth rate of 40%. By 2025, the annual guarantee service scale will reach 20 billion yuan, and the annual service of more than 25,000 small and micro enterprises will provide more powerful financing services for small and micro enterprises.

Wonderful Quotations

Guarantee is responsible. Always be a "courier" that is good at government credit, the "firefighters" of banking business, and the "serviceman" of enterprise development.

The threshold, demand, reduction of costs, fiscal and financial joint efforts, "inserting one pole to the end".

Building a "financing service square cabin" and opening up the "last mile" of corporate financing are also "the hardest one kilometer".

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