Zhejiang's "unblocked financing project" helps to solve the financing problems for small and micro enterprises in Zhejiang 浙江“融资畅通工程”助力小微企业融资

2020-04-08 03:02:36 source: Zhejiang Daily (Yuan Huaming)


Zhejiang has a large number of small and micro enterprises, which reflects the vitality of Zhejiang's economy. In the process of development, they are facing various problems in financing. In February 2019, Zhejiang initiated the "Unblocked Financing Project" to solve the financing problems for small and micro enterprises in Zhejiang and provide them with better financial services.

 

Over the past year since the Project was implemented, more and more small and micro enterprises in Zhejiang have succeeded in securing financing in more convenient ways. By the end of 2019, 4.37 million small and micro enterprises have obtained loans, an increase of 930,000 enterprises and RMB 468.2 billion in loans. Zhejiang’s loan balance ranked first across the country.


Through the "account book" and financing stories of many small and micro enterprises in the province, we can see that the "Unblocked Financing Project" has brought financial benefits to small and micro enterprises in Zhejiang province and met their desire for smoother financing.


Assistance by the digital platform: It is not difficult to apply for the loan and renew the loan


Li Hui, a villager in Duihekou Village, Wukang Street, Deqing, opened a hostel. Because it requires a large sum of investment, he applied for the loan for one to two years in a bank and succeeded. And the loan has changed from mortgage loan to credit loan. He felt that it was much easier to apply for loans from the bank than before.

 

The reason why owners of small and micro businesses like Li Hui find it easier to apply for the loan is that our province has accelerated the construction of the comprehensive financial service platform after the implementation of the "Unblocked Financing Project".


The reporter happened to meet Zhang Yan, president of Deqing Sub-branch of Postal Savings Bank, and cadres of the Finance Office of Deqing. "During the ‘One Hundred Banks Helping Ten Thousand Enterprises’ activity, many enterprises gave their request for financing and we offered them help. This hostel is run by a native who returned home to start a business and its business operation went quite smoothly.” Zhang Yan is very familiar with the situation here. "Since last year, we have known more about his business through the provincial integrated financial service platform, and we have enhanced the financial support for him."


"The provincial integrated financial service platform has amassed a large amount of data. Through the Big Data Bureau, we have established contact with more than 50 provincial departments in charge of market supervision, legal affairs, taxation, and environmental protection to establish a specialized data quality evaluation and control system, which has solved the problem of bank-enterprise information asymmetry and improved the efficiency of supply and demand matching." Relevant officials of Zhejiang Bank and the Insurance Supervision Bureau said that the platform had launched the function of "Zhelizhangshangdai” in the app of "Zheliban". Now, 140 banks and financial institutions are providing 591 credit products, and a total of 7,591 bank outlets are providing docking services through the platform.


In the past, enterprises chose banks; now, enterprises chose financial products in banks. Corporate financing is like shopping in supermarkets. This platform has provided more choices for small and micro enterprises.


It is easier for small and micro enterprises to apply for loans for the first time, and it is not difficult to renew the loans. In February, Nanxun Agricultural Commercial Bank issued a "Renewal Loan" revolving loan without principal repayment to Huzhou Tianbao Garment Co., Ltd. to meet its needs of production resumption after the epidemic. Relevant officials of Zhejiang Bank and Insurance Supervision Bureau said that at present the balance of non-repayable loans for small and micro enterprises in Zhejiang (excluding Ningbo) had exceeded RMB 200 billion. This year, banks will be urged to establish a "positive list + negative list" system to actively select high-quality small and micro enterprises so that more small and micro enterprises can enjoy non-repayable loans.

 

While policy services are improved, financing costs have decreased


Data show that the interest rate of loans for inclusive small and micro enterprises in our province at the end of 2019 is 0.49 percentage point lower than that in 2018.


Reporters found that the financing cost of small and micro enterprises had decreased in the past year.


A few days ago, after Zhejiang Zhongyijian Medical Management Co., Ltd. learned that the upstream enterprises had resumed production, Lin Zhong, the owner of the company, decided to purchase medical equipment. He then applied for the "Maoxiang Loan" from Taizhou Bank through online channels. On the same day, he secured a loan of RMB 500,000 and enjoyed preferential interest rates. He then made the payments for goods in time. On February 6, witnessed by the local regulatory authorities, Taizhou Bank and Zhejiang Sub-branch of Export-Import Bank of China signed a sub-loan cooperation agreement for small and micro enterprises to fight against the epidemic and introduced a special fund of RMB 1 billion and launched a special loan product called "Maoxiang Loan" mainly for small and micro enterprises.


Since a contract was signed last year, the financing costs of small and micro enterprises have been reduced through the sub-loans from policy banks. In August last year, Zhejiang Branch of the State Development Bank, Zhejiang Branch of the Export-Import Bank of China and Zhejiang Branch of the Agricultural Development Bank of China signed sub-loan cooperation agreements with 12 small and medium-sized corporate banks in Taizhou with a credit amount of RMB 33.05 billion.

 

It is understood that up to now, three policy banks have established policy sub-loan cooperation agreements with 16 banking institutions in Taizhou, bringing in RMB 300 billion of low-cost funds for Taizhou for the next three years. In 2019, the accumulated amount of policy sub-loans reached RMB 22.6 billion, benefiting more than 30,000 small and micro enterprises and new types of agricultural operators.

 

In addition, the small and micro enterprises in Zhejiang, where Ant Financial Services Group is located, have benefited a lot from their favored geographical location. "In 2019, while Ant Financial Services Group continued to increase its coverage of small and micro customers in Zhejiang, the comprehensive loan interest rate it provides has dropped 0.8 percentage point year on year, providing universal benefits," said Jing Xiandong, chairman of Ant Financial Services Group.


Since the outbreak of the COVID-19 pandemic, the financial institutions in our province have actively cut interest rates or even exempted some small and micro enterprises in our province from interest rates, which has reduced their financing costs.


Zhejiang proposes to realize the goal that the growth rate of loans for inclusive small and micro enterprises will not be lower than the average growth rate of all kinds of loans in 2020, and that the comprehensive financing cost will decrease by another 0.5 percentage point.


Innovative mortgaged goods help technological enterprises get loans


Data show that the scale of financing obtained by scientific and technological enterprises is relatively large. According to the data from Zhejiang Bank and Insurance Supervision Bureau, by the end of 2019, the banking industry in the whole province (excluding Ningbo) has provided loans of RMB 652.463 billion for a total of 36,600 small and micro technological enterprises with the loan balance reaching RMB 568.676 billion.


Light-asset technological enterprises often find it hard to obtain loans due to the lack of collateral. Not long ago, Fu Yan, general manager of Hangzhou Kaihong Fluid Technology Co., Ltd., encountered this problem. Fortunately, she soon got an RMB 1 million credit loan from Yuhang Agricultural and Commercial Bank, which solved her urgent problem.


Although she has received a loan of RMB 1 million, Fu Yan still had concerns. "Light asset technological enterprises like ours often lack collateral for loans. Can we pledge loans through our patents?"


Intellectual property pledge financing is not something new, but banks have their own concerns in the actual operation. Fang Xuyin is a customer manager of Yuhang Agricultural and Commercial Bank, and Hangzhou Kaihong Fluid Technology Co., Ltd. is one of the enterprises he is responsible for. Fang believed that it was hard to evaluate the value of intellectual property rights and he hoped that breakthroughs would be made in this respect because it would be beneficial to both banks and enterprises.


According to the latest news, in February, the Provincial Market Supervision Bureau and Zhejiang Bank and Insurance Supervision Bureau jointly issued "Notice on Clarifying the Policy of Promoting Pledge Financing through Intellectual Property during the Anti-epidemic Period" to promote pledge financing through intellectual property. In the first two months, the amount of pledge financing through intellectual property in the whole province increased by 129% compared with the same period last year. We firmly believe that it will be easier and easier for technological enterprises to get loans.


Most small and micro enterprises lack collateral when they are trying to get loans. Apart from technology-based small and micro enterprises, many other kinds of small and micro enterprises have encountered the same problem. Our province has taken measures to solve the problem including expanding the coverage of pledge loans through intellectual property and accounts receivable and speeding up the construction of a policy financing guarantee system. Next, the province will increase the proportion of credit loans moderately to relieve the burden of the lack of collateral on small and micro enterprises.

 

作为经济大省,浙江有着量大面广的小微企业,这也是浙江经济活力所在,而在发展中,他们面临着各种各样的融资烦恼。2019年2月,浙江启动实施“融资畅通工程”,旨在为包括小微企业在内的浙江企业进一步打通融资症结,提供更优金融服务。


“融资畅通工程”实施一年来,浙江小微企业融资覆盖面和便捷性正不断提升——2019年末全省小微企业贷款户数437万户,新增93万户,全省小微企业贷款新增4682亿元,贷款余额居全国首位。

 

我们通过省内多家小微企业的融资“账本”和融资故事,可以看到“融资畅通工程”为浙江小微企业带来的融资实惠,以及他们对进一步打通融资症结的期盼和心声。

 

数字平台助力:首贷续贷都不难


德清武康街道对河口村村民李辉开了一家民宿,由于投资数额巨大,他到银行融资。他一两年申请的贷款都拿到了,而且从开始的抵押贷款变成了信用贷款。他觉得和以前相比,和银行打交道也方便了不少。


在李辉这些小微企业主觉得融资变得容易的背后,是我省实施“融资畅通工程”加快金融综合服务平台建设。

 

记者采访时正好碰到邮储银行德清支行行长章彦和德清县金融办的干部。“‘百行进万企’活动中,企业提出融资需求,我们上门对接。这家民宿是本地人回乡创业开办的民宿,此前经营状况一直不错。”章彦对这里的情况非常熟悉,“去年以来,我们通过省金融综合服务平台,对他的情况掌握得更精准,信贷支持的力度也相应有很大增加。”

 

“省金融综合服务平台汇集了海量数据,通过大数据局对接市场监管、法院、税务、环保等50多个省级部门,构建专业化的数据质量评价和控制体系,有效克服了银企信息不对称难题,提高了供需匹配的效率。”浙江银保监局相关负责人介绍说,这个平台还在“浙里办”上线了“浙里掌上贷”,截至目前已有140家银行等金融机构入驻,发布591款信贷产品,共计7591个银行网点提供对接服务。 

 

从企业找银行到企业选银行选产品,企业融资就像逛超市选产品,这个平台对小微企业来说无疑提供了更多选择。



小微企业首次申请贷款变得容易起来,续贷也不难。今年2月,南浔农商银行向湖州天宝服饰有限公司发放了一笔针对企业复工需求的“续贷通”无还本周转贷款。浙江银保监局相关负责人表示,目前浙江(不含宁波)小微企业无还本续贷余额已经超过2000亿元,今年将推动银行建立“正面清单+负面清单”,主动筛选优质小微企业,让更多小微企业享受无还本续贷服务。

 

政策服务提升 融资成本下降了



数据显示,我省2019年末普惠型小微企业贷款利率比2018年降低0.49个百分点。



记者调查发现,一年以来小微企业融资成本是下降的。

 

日前,浙江众壹健医疗管理有限公司得知上游企业复工后,企业主林忠准备采购一批医疗器械。林忠通过线上渠道向台州银行申请“贸享贷”,当天即获得50万元贷款,享受优惠利率,及时支付了货款。2月6日,在当地监管部门的见证下,台州银行与进出口银行浙江省分行签订小微企业抗击疫情转贷款合作协议,再次引入10亿元专项资金,推出“贸享贷”专项贷款产品,主要用于小微企业。

 

通过政策性银行的转贷款降低小微企业的融资成本,这还得从去年的一场签约开始说起。去年8月,国家开发银行浙江省分行、中国进出口银行浙江省分行、中国农业发展银行浙江省分行与台州12家中小法人银行签订转贷款合作协议,授信金额达到330.5亿元。

 

据了解,截至目前3家政策性银行已经与台州16家银行机构建立政策性转贷款合作,为台州引入3年1000亿元的低成本资金。2019年,政策性转贷款累放额226亿元,惠及3万多户小微企业及新型农业经营主体。 

 

此外,作为蚂蚁金服所在地,浙江小微企业融资近水楼台先得月。蚂蚁金服董事长井贤栋介绍说:“2019年蚂蚁金服实现加大覆盖服务对象浙江小微客户的同时,综合贷款利率同比下降0.8个百分点,进一步实现普惠。”

 

新冠肺炎疫情发生以来,我省金融机构积极减息免息,对小微企业来说减轻了融资成本压力。



我省提出,2020年力争普惠型小微企业贷款增速不低于各项贷款平均增速,综合融资成本再降低0.5个百分点。



抵押物品创新 科技企业贷到款

 

从数据看,科技型企业获得的融资规模较大。浙江银保监局数据显示,截至2019年末,辖区内(全省不含宁波)银行业共服务科技型中小微企业3.66万户,贷款余额5686.76亿元,全年累计发放贷款6524.63亿元。 

 

对于轻资产的科创型企业,往往因为缺乏抵押而出现贷款难。不久前,杭州开闳流体科技有限公司总经理傅琰也碰到了这个问题,所幸的是,她很快拿到了余杭农商银行的100万元信用贷款,解了燃眉之急。 

 

尽管拿到了100万元的融资,但傅琰还是有顾虑。“像我们这样的轻资产研发型企业,贷款融资的抵押物比较缺乏,能不能把通过专利质押贷款?” 

 

知识产权质押融资并不是一个新话题,但在实际操作中银行却有自己的顾虑。方旭寅是余杭农商银行的客户经理,开闳科技正是他对接的企业之一。方旭寅认为,知识产权评估价值的确定仍是目前比较难的一个问题,他希望这个环节上有所突破,对银行、对企业都有好处。

 

最新的消息是,就在2月份,省市场监管局、浙江银保监局共同下发《关于明确疫情防控阻击战期间知识产权质押融资支持政策的通知》,进一步推进知识产权融资工作,前两个月全省完成知识产权质押融资额比去年同期增长129%,科创型企业融资的春天越来越近了。



缺乏抵押物是小微企业融资时普遍存在的问题,除了科技型小微企业,记者在采访时碰到的小微企业大多也遇到这样的问题。对此,我省已采取扩大知识产权和应收账款等抵质押贷款覆盖面、加快政策性融资担保体系建设等举措来破解这一难题,下一步还将适度合理提高信用贷款比重,切实减轻小微企业抵质押负担。




(Executive Editor: Ye Ke)

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11857962 Zhejiang's "unblocked financing project" helps to solve the financing problems for small and micro enterprises in Zhejiang 浙江“融资畅通工程”助力小微企业融资 public html

Zhejiang has a large number of small and micro enterprises, which reflects the vitality of Zhejiang's economy. In the process of development, they are facing various problems in financing. In February 2019, Zhejiang initiated the "Unblocked Financing Project" to solve the financing problems for small and micro enterprises in Zhejiang and provide them with better financial services.

 

Over the past year since the Project was implemented, more and more small and micro enterprises in Zhejiang have succeeded in securing financing in more convenient ways. By the end of 2019, 4.37 million small and micro enterprises have obtained loans, an increase of 930,000 enterprises and RMB 468.2 billion in loans. Zhejiang’s loan balance ranked first across the country.


Through the "account book" and financing stories of many small and micro enterprises in the province, we can see that the "Unblocked Financing Project" has brought financial benefits to small and micro enterprises in Zhejiang province and met their desire for smoother financing.


Assistance by the digital platform: It is not difficult to apply for the loan and renew the loan


Li Hui, a villager in Duihekou Village, Wukang Street, Deqing, opened a hostel. Because it requires a large sum of investment, he applied for the loan for one to two years in a bank and succeeded. And the loan has changed from mortgage loan to credit loan. He felt that it was much easier to apply for loans from the bank than before.

 

The reason why owners of small and micro businesses like Li Hui find it easier to apply for the loan is that our province has accelerated the construction of the comprehensive financial service platform after the implementation of the "Unblocked Financing Project".


The reporter happened to meet Zhang Yan, president of Deqing Sub-branch of Postal Savings Bank, and cadres of the Finance Office of Deqing. "During the ‘One Hundred Banks Helping Ten Thousand Enterprises’ activity, many enterprises gave their request for financing and we offered them help. This hostel is run by a native who returned home to start a business and its business operation went quite smoothly.” Zhang Yan is very familiar with the situation here. "Since last year, we have known more about his business through the provincial integrated financial service platform, and we have enhanced the financial support for him."


"The provincial integrated financial service platform has amassed a large amount of data. Through the Big Data Bureau, we have established contact with more than 50 provincial departments in charge of market supervision, legal affairs, taxation, and environmental protection to establish a specialized data quality evaluation and control system, which has solved the problem of bank-enterprise information asymmetry and improved the efficiency of supply and demand matching." Relevant officials of Zhejiang Bank and the Insurance Supervision Bureau said that the platform had launched the function of "Zhelizhangshangdai” in the app of "Zheliban". Now, 140 banks and financial institutions are providing 591 credit products, and a total of 7,591 bank outlets are providing docking services through the platform.


In the past, enterprises chose banks; now, enterprises chose financial products in banks. Corporate financing is like shopping in supermarkets. This platform has provided more choices for small and micro enterprises.


It is easier for small and micro enterprises to apply for loans for the first time, and it is not difficult to renew the loans. In February, Nanxun Agricultural Commercial Bank issued a "Renewal Loan" revolving loan without principal repayment to Huzhou Tianbao Garment Co., Ltd. to meet its needs of production resumption after the epidemic. Relevant officials of Zhejiang Bank and Insurance Supervision Bureau said that at present the balance of non-repayable loans for small and micro enterprises in Zhejiang (excluding Ningbo) had exceeded RMB 200 billion. This year, banks will be urged to establish a "positive list + negative list" system to actively select high-quality small and micro enterprises so that more small and micro enterprises can enjoy non-repayable loans.

 

While policy services are improved, financing costs have decreased


Data show that the interest rate of loans for inclusive small and micro enterprises in our province at the end of 2019 is 0.49 percentage point lower than that in 2018.


Reporters found that the financing cost of small and micro enterprises had decreased in the past year.


A few days ago, after Zhejiang Zhongyijian Medical Management Co., Ltd. learned that the upstream enterprises had resumed production, Lin Zhong, the owner of the company, decided to purchase medical equipment. He then applied for the "Maoxiang Loan" from Taizhou Bank through online channels. On the same day, he secured a loan of RMB 500,000 and enjoyed preferential interest rates. He then made the payments for goods in time. On February 6, witnessed by the local regulatory authorities, Taizhou Bank and Zhejiang Sub-branch of Export-Import Bank of China signed a sub-loan cooperation agreement for small and micro enterprises to fight against the epidemic and introduced a special fund of RMB 1 billion and launched a special loan product called "Maoxiang Loan" mainly for small and micro enterprises.


Since a contract was signed last year, the financing costs of small and micro enterprises have been reduced through the sub-loans from policy banks. In August last year, Zhejiang Branch of the State Development Bank, Zhejiang Branch of the Export-Import Bank of China and Zhejiang Branch of the Agricultural Development Bank of China signed sub-loan cooperation agreements with 12 small and medium-sized corporate banks in Taizhou with a credit amount of RMB 33.05 billion.

 

It is understood that up to now, three policy banks have established policy sub-loan cooperation agreements with 16 banking institutions in Taizhou, bringing in RMB 300 billion of low-cost funds for Taizhou for the next three years. In 2019, the accumulated amount of policy sub-loans reached RMB 22.6 billion, benefiting more than 30,000 small and micro enterprises and new types of agricultural operators.

 

In addition, the small and micro enterprises in Zhejiang, where Ant Financial Services Group is located, have benefited a lot from their favored geographical location. "In 2019, while Ant Financial Services Group continued to increase its coverage of small and micro customers in Zhejiang, the comprehensive loan interest rate it provides has dropped 0.8 percentage point year on year, providing universal benefits," said Jing Xiandong, chairman of Ant Financial Services Group.


Since the outbreak of the COVID-19 pandemic, the financial institutions in our province have actively cut interest rates or even exempted some small and micro enterprises in our province from interest rates, which has reduced their financing costs.


Zhejiang proposes to realize the goal that the growth rate of loans for inclusive small and micro enterprises will not be lower than the average growth rate of all kinds of loans in 2020, and that the comprehensive financing cost will decrease by another 0.5 percentage point.


Innovative mortgaged goods help technological enterprises get loans


Data show that the scale of financing obtained by scientific and technological enterprises is relatively large. According to the data from Zhejiang Bank and Insurance Supervision Bureau, by the end of 2019, the banking industry in the whole province (excluding Ningbo) has provided loans of RMB 652.463 billion for a total of 36,600 small and micro technological enterprises with the loan balance reaching RMB 568.676 billion.


Light-asset technological enterprises often find it hard to obtain loans due to the lack of collateral. Not long ago, Fu Yan, general manager of Hangzhou Kaihong Fluid Technology Co., Ltd., encountered this problem. Fortunately, she soon got an RMB 1 million credit loan from Yuhang Agricultural and Commercial Bank, which solved her urgent problem.


Although she has received a loan of RMB 1 million, Fu Yan still had concerns. "Light asset technological enterprises like ours often lack collateral for loans. Can we pledge loans through our patents?"


Intellectual property pledge financing is not something new, but banks have their own concerns in the actual operation. Fang Xuyin is a customer manager of Yuhang Agricultural and Commercial Bank, and Hangzhou Kaihong Fluid Technology Co., Ltd. is one of the enterprises he is responsible for. Fang believed that it was hard to evaluate the value of intellectual property rights and he hoped that breakthroughs would be made in this respect because it would be beneficial to both banks and enterprises.


According to the latest news, in February, the Provincial Market Supervision Bureau and Zhejiang Bank and Insurance Supervision Bureau jointly issued "Notice on Clarifying the Policy of Promoting Pledge Financing through Intellectual Property during the Anti-epidemic Period" to promote pledge financing through intellectual property. In the first two months, the amount of pledge financing through intellectual property in the whole province increased by 129% compared with the same period last year. We firmly believe that it will be easier and easier for technological enterprises to get loans.


Most small and micro enterprises lack collateral when they are trying to get loans. Apart from technology-based small and micro enterprises, many other kinds of small and micro enterprises have encountered the same problem. Our province has taken measures to solve the problem including expanding the coverage of pledge loans through intellectual property and accounts receivable and speeding up the construction of a policy financing guarantee system. Next, the province will increase the proportion of credit loans moderately to relieve the burden of the lack of collateral on small and micro enterprises.

 

作为经济大省,浙江有着量大面广的小微企业,这也是浙江经济活力所在,而在发展中,他们面临着各种各样的融资烦恼。2019年2月,浙江启动实施“融资畅通工程”,旨在为包括小微企业在内的浙江企业进一步打通融资症结,提供更优金融服务。


“融资畅通工程”实施一年来,浙江小微企业融资覆盖面和便捷性正不断提升——2019年末全省小微企业贷款户数437万户,新增93万户,全省小微企业贷款新增4682亿元,贷款余额居全国首位。

 

我们通过省内多家小微企业的融资“账本”和融资故事,可以看到“融资畅通工程”为浙江小微企业带来的融资实惠,以及他们对进一步打通融资症结的期盼和心声。

 

数字平台助力:首贷续贷都不难


德清武康街道对河口村村民李辉开了一家民宿,由于投资数额巨大,他到银行融资。他一两年申请的贷款都拿到了,而且从开始的抵押贷款变成了信用贷款。他觉得和以前相比,和银行打交道也方便了不少。


在李辉这些小微企业主觉得融资变得容易的背后,是我省实施“融资畅通工程”加快金融综合服务平台建设。

 

记者采访时正好碰到邮储银行德清支行行长章彦和德清县金融办的干部。“‘百行进万企’活动中,企业提出融资需求,我们上门对接。这家民宿是本地人回乡创业开办的民宿,此前经营状况一直不错。”章彦对这里的情况非常熟悉,“去年以来,我们通过省金融综合服务平台,对他的情况掌握得更精准,信贷支持的力度也相应有很大增加。”

 

“省金融综合服务平台汇集了海量数据,通过大数据局对接市场监管、法院、税务、环保等50多个省级部门,构建专业化的数据质量评价和控制体系,有效克服了银企信息不对称难题,提高了供需匹配的效率。”浙江银保监局相关负责人介绍说,这个平台还在“浙里办”上线了“浙里掌上贷”,截至目前已有140家银行等金融机构入驻,发布591款信贷产品,共计7591个银行网点提供对接服务。 

 

从企业找银行到企业选银行选产品,企业融资就像逛超市选产品,这个平台对小微企业来说无疑提供了更多选择。



小微企业首次申请贷款变得容易起来,续贷也不难。今年2月,南浔农商银行向湖州天宝服饰有限公司发放了一笔针对企业复工需求的“续贷通”无还本周转贷款。浙江银保监局相关负责人表示,目前浙江(不含宁波)小微企业无还本续贷余额已经超过2000亿元,今年将推动银行建立“正面清单+负面清单”,主动筛选优质小微企业,让更多小微企业享受无还本续贷服务。

 

政策服务提升 融资成本下降了



数据显示,我省2019年末普惠型小微企业贷款利率比2018年降低0.49个百分点。



记者调查发现,一年以来小微企业融资成本是下降的。

 

日前,浙江众壹健医疗管理有限公司得知上游企业复工后,企业主林忠准备采购一批医疗器械。林忠通过线上渠道向台州银行申请“贸享贷”,当天即获得50万元贷款,享受优惠利率,及时支付了货款。2月6日,在当地监管部门的见证下,台州银行与进出口银行浙江省分行签订小微企业抗击疫情转贷款合作协议,再次引入10亿元专项资金,推出“贸享贷”专项贷款产品,主要用于小微企业。

 

通过政策性银行的转贷款降低小微企业的融资成本,这还得从去年的一场签约开始说起。去年8月,国家开发银行浙江省分行、中国进出口银行浙江省分行、中国农业发展银行浙江省分行与台州12家中小法人银行签订转贷款合作协议,授信金额达到330.5亿元。

 

据了解,截至目前3家政策性银行已经与台州16家银行机构建立政策性转贷款合作,为台州引入3年1000亿元的低成本资金。2019年,政策性转贷款累放额226亿元,惠及3万多户小微企业及新型农业经营主体。 

 

此外,作为蚂蚁金服所在地,浙江小微企业融资近水楼台先得月。蚂蚁金服董事长井贤栋介绍说:“2019年蚂蚁金服实现加大覆盖服务对象浙江小微客户的同时,综合贷款利率同比下降0.8个百分点,进一步实现普惠。”

 

新冠肺炎疫情发生以来,我省金融机构积极减息免息,对小微企业来说减轻了融资成本压力。



我省提出,2020年力争普惠型小微企业贷款增速不低于各项贷款平均增速,综合融资成本再降低0.5个百分点。



抵押物品创新 科技企业贷到款

 

从数据看,科技型企业获得的融资规模较大。浙江银保监局数据显示,截至2019年末,辖区内(全省不含宁波)银行业共服务科技型中小微企业3.66万户,贷款余额5686.76亿元,全年累计发放贷款6524.63亿元。 

 

对于轻资产的科创型企业,往往因为缺乏抵押而出现贷款难。不久前,杭州开闳流体科技有限公司总经理傅琰也碰到了这个问题,所幸的是,她很快拿到了余杭农商银行的100万元信用贷款,解了燃眉之急。 

 

尽管拿到了100万元的融资,但傅琰还是有顾虑。“像我们这样的轻资产研发型企业,贷款融资的抵押物比较缺乏,能不能把通过专利质押贷款?” 

 

知识产权质押融资并不是一个新话题,但在实际操作中银行却有自己的顾虑。方旭寅是余杭农商银行的客户经理,开闳科技正是他对接的企业之一。方旭寅认为,知识产权评估价值的确定仍是目前比较难的一个问题,他希望这个环节上有所突破,对银行、对企业都有好处。

 

最新的消息是,就在2月份,省市场监管局、浙江银保监局共同下发《关于明确疫情防控阻击战期间知识产权质押融资支持政策的通知》,进一步推进知识产权融资工作,前两个月全省完成知识产权质押融资额比去年同期增长129%,科创型企业融资的春天越来越近了。



缺乏抵押物是小微企业融资时普遍存在的问题,除了科技型小微企业,记者在采访时碰到的小微企业大多也遇到这样的问题。对此,我省已采取扩大知识产权和应收账款等抵质押贷款覆盖面、加快政策性融资担保体系建设等举措来破解这一难题,下一步还将适度合理提高信用贷款比重,切实减轻小微企业抵质押负担。




(Executive Editor: Ye Ke)

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