In 9 months, 74.61 billion yuan of pre-credit lines were generated, 23,600 private enterprises were loaned, with an investment amount of 21 billion yuan, and more than 6,000 enterprises were guided to repair more than 9,000 credits......
Behind the relief of private enterprises, it is inseparable from an information system integrating management, service and interconnection - Hebei Digital Federation of Industry and Commerce Platform.
Under the guidance of the Provincial Data and Government Service Bureau, the Provincial Federation of Industry and Commerce, together with the Hebei Branch of China Construction Bank, and the Provincial Taxation Bureau and other units, have created a digital organization system and private enterprise service system coordinated and linked by the provincial, municipal and county federations of industry and commerce, namely the Hebei Digital Federation of Industry and Commerce platform, which will be launched for trial operation in mid-August 2023 to accurately and efficiently help private enterprises solve problems and empower the high-quality development of the private economy.
From offline to online, solve the problems of difficult and expensive loans
Recently, he successfully obtained a loan of 5 million yuan, and the stone in Mr. Qiao's heart can be regarded as falling to the ground.
"This loan is so important to our company." Mr. Qiao is the person in charge of Hebei Xinyi Fertilizer Co., Ltd. Founded on September 2, 2014, the company is mainly engaged in fertilizer production and sales, and is a provincial-level specialized and special new enterprise with a number of patents. Due to the expansion of production scale, the company is in urgent need of credit support due to tight working capital.
The loan of 5 million yuan is not a small amount, and for Xinyi Fertilizer, this loan is much easier than before. In a promotion activity of the Hebei Digital Federation of Industry and Commerce platform, he registered on the platform on the spot, measured the amount, immediately obtained a loan, and enjoyed the preferential interest rate of specialized and special new enterprises.
Private enterprises are an important force in promoting economic and social development. In 2023, the added value of the private economy in our province will be 2,762.66 billion yuan, an increase of 5.5% over the previous year; It accounted for 62.9% of the province's GDP, an increase of 0.2 percentage points over the previous year.
However, some private enterprises still have problems such as difficult financing and expensive loans in the process of development.
According to the analysis of the Provincial Federation of Industry and Commerce, the main reasons are: the financial management of some enterprises is not standardized, and there is a lack of credible data such as sales revenue; Some enterprises do not pay attention to credit construction, and there are problems such as lack of credit; Private small and micro enterprises lack realizable assets and insufficient collateral.
At the same time, in the face of a large number of private enterprises, banks need to use higher costs to screen out those enterprises with high creditworthiness, stable operation, reliable financial information, development prospects, and good government-enterprise relations.
Through the in-depth connection with the provincial financing and credit service platform, the Hebei Digital Federation of Industry and Commerce platform innovates the "Federation of Industry and Commerce Data Loan" model to solve the problem of supply and demand.
From the demand side, the greater the coverage of the platform to private enterprises in the province, the more enterprises will benefit. Since the beginning of this year, city and county governments at all levels, United Front Work Departments and the Federation of Industry and Commerce have continued to increase their efforts to promote the application of the platform, and the number of registered users has increased significantly. As of May 14, the cumulative number of registered enterprises on the platform exceeded 210,000, an increase of about 120,000 from the beginning of the year.
From the supply side, the Hebei Digital Federation of Industry and Commerce platform provides online "one-stop" services for private enterprise loan applications. In order to accurately serve private enterprises, the Provincial Federation of Industry and Commerce and the Provincial Data and Government Service Bureau have strengthened data sharing, introduced information such as member enterprises and enterprises of the Standing Committee to enhance the credit of enterprises, upgraded the "Government Data Loan" product, and launched the "Federation of Industry and Commerce Data Loan", which can "one-click measurement" for enterprises applying for loans on the platform.
After the enterprise downloads and registers the client of the Hebei Digital Federation of Industry and Commerce platform, it can click the "one-click authentication" button, and the system will calculate the "maximum loan amount" for the enterprise. "Credit loans of less than 3 million yuan can be directly approved and disbursed online, and loans of more than 3 million yuan need to go to CCB outlets to supplement some procedures, which is simple and convenient compared with traditional business." Xu Xiaoming, vice president of Hebei Branch of China Construction Bank, introduced.
He believes that through the financing of the Hebei Digital Federation of Industry and Commerce platform, enterprises can save offline evaluation, guarantee and other links, which not only saves time and cost, but also effectively reduces financing costs, and greatly improves financing efficiency and credit access rate.
From dishonesty to repair, enterprises get the opportunity to be "reborn".
Open the client of the Hebei Digital Federation of Industry and Commerce platform, in addition to various service items, the reporter also saw a special type of service project "I want to repair credit".
At present, some private enterprises continue to strengthen investment in technology and talents, but neglect credit construction.
"Some companies don't know what behaviors will lead to dishonesty, and once they are included in the dishonest list, it will deal a certain blow to their reputation and operation. There are also some enterprises that do not know that credit can be repaired, and production and operation will be affected for a long time. Bai Jianjun, secretary of the party branch of the provincial credit association, said.
In order to avoid this situation, the Provincial Federation of Industry and Commerce has carried out 5 rounds of screening for private enterprises, for problematic enterprises, through the distribution of clear paper, training, etc., to improve their credit awareness, 2.5 million enterprises have been screened, and the next will expand the scope of screening and training.
Not only to prevent the mistakes that enterprises may make in advance, but also to take the initiative to intervene to help enterprises solve the financing difficulties caused by credit damage and other situations, the Provincial Federation of Industry and Commerce to help enterprises repair credit behind, reflecting the change of the concept of serving enterprises: from "what to give", and gradually to "what to want, what to give" change.
The Provincial Data and Government Service Bureau found that most enterprises are concerned about their own reputation and have a strong willingness to repair credit after dishonesty, but some enterprises, especially small-scale enterprises, are not particularly clear about how to repair credit.
Credit restoration is like giving a chance for a "rebirth" of a dishonest enterprise.
Adhere to the problem-oriented and goal-oriented, the Hebei Digital Federation of Industry and Commerce platform docks and opens up the credit repair function of the "Credit Hebei" platform, and guides enterprises to carry out online restoration. At the same time, according to the different situations of enterprises participating in the work of the Federation of Industry and Commerce system, credit enhancement and file will be carried out, so as to encourage and guide enterprises to actively join the Federation of Industry and Commerce and register digital platforms.
In addition, the Provincial Federation of Industry and Commerce, together with the Hebei Branch of the China Construction Bank and the Provincial Credit Association, set up a credit service hotline 966166 in Hebei Province in February this year to organize specialized personnel to provide enterprises with convenient credit repair consultation and help services.
From single to diverse, we can accurately solve the various needs of enterprises
"I'm looking for a project", "I want legal advice", "I'm looking for a policy", "I'm looking for an expert", the reporter saw on the platform of the Hebei Digital Federation of Industry and Commerce that compared with a single financial service in January this year, the platform has more service items.
Behind it, it comes from the diversified needs of enterprises.
It is difficult to declare the preferential enterprise policy and the procedures are complicated, which is a common problem reflected by enterprises. Relying on the digital platform, the Provincial Federation of Industry and Commerce has brought together a number of policies to solve the problem that it is difficult for enterprises to find "information entrance" and "service entrance" in massive information. At present, the digital platform has pushed 2,603 policies to enterprises.
"The Provincial Federation of Industry and Commerce also leverages the advantages of CCB's economic information resources to push the 'Daily Economic News Summary' to registered enterprises through the digital platform at 7 a.m. every day." Zhao Jingchao, senior engineer of the Private Economic Development Promotion Center of the Provincial Federation of Industry and Commerce, said that at the same time, according to the region, industry and scale of the registered enterprise, the relevant policies of the country, provinces and cities will be accurately pushed to it, so that enterprises can familiarize themselves with the application of policies and grasp investment opportunities.
In order to meet the judicial needs of enterprises, the digital platform has set up a column called "I want legal advice", introducing 207 lawyers from 37 law firms.
In order to solve the problem of insufficient talents in enterprises, the digital platform has set up a column "I want to find experts", introducing more than 100 experts from universities and scientific research institutes in Beijing, Tianjin and Hebei.
"I'm looking for a project" is to solve the problem of information asymmetry between enterprises. Meng Ming, a professor at the Department of Economics and Management of North China Electric Power University, believes that if the upstream and downstream enterprises in the supply chain can smooth the information channels, it will have a positive effect on the strengthening of the industrial chain and the extension of the chain, which is conducive to the accurate and efficient docking of upstream and downstream enterprises, and then promote the high-quality development of the economy and society.
At present, many registered enterprises have released 662 projects seeking cooperation on the digital platform, such as integrated freight hubs, cultural tourism, film and television complexes, pharmaceutical R&D and production, and northern transshipment settlement centers.
"In the next step, we will select some municipal-level federations of industry and commerce and provincial-level chambers of commerce as pilot projects for the promotion of the Hebei Digital Federation of Industry and Commerce platform, play a leading role, and promote the platform to cover private enterprises in the province as soon as possible. Continue to promote and improve the data and information sharing mechanism of departments involved in the private economy, and continuously enhance the integrity and timeliness of data. Zhang Jinghong, vice chairman of the Provincial Federation of Industry and Commerce, introduced that at the same time, the participation of accounting firms, appraiser firms, insurance, guarantees and other institutions will be expanded in an orderly manner, and targeted financial service products will be launched on the platform to provide more and more effective help for the development of enterprises. (Hebei Daily reporter Zhao Jian)
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