How to solve the difficult and expensive financing of enterprises? This "easy to see" makes financial services "zero distance"

"Please raise your hands to speak, and the relevant departments at the municipal level will respond. If the participating departments can respond on the spot, they will respond on the spot, and if they cannot respond on the spot, the conference affairs team will collect and transfer it to the relevant departments for research and handling. Xiang Bin, deputy director of the Chengdu Municipal Development and Reform Commission, said.

On October 17, the Chengdu Municipal Development and Reform Commission and the Financial Office of the Municipal Party Committee held a special financing service session of "Rong Yijian Private Enterprise Meeting Room" in Jinniu District, focusing on the introduction of the "Huirong Loan" inclusive credit project and financial service platform, and inviting banks, insurance, securities, equity investment funds and other financial institutions to promote financial products, set up service points on site, efficiently meet the financing needs of private enterprises, and listen to the opinions and suggestions of enterprises and difficult demands. The Municipal Bureau of Economy and Information Technology, the Municipal New Economic Commission, the Municipal Federation of Industry and Commerce and other departments, representatives of 44 private enterprises and financial institutions attended the meeting.

It is understood that up to now, a total of 177 enterprise appeals and suggestions have been collected in the first 8 phases of the "Rong Yijian Private Enterprise Meeting Room", 151 of which have been responded to, and 26 have been transferred to relevant departments for processing.

The companies present vied to be the first to speak

Face-to-face communication with government departments and financial institutions

"There are so many people raising their hands, let's come one by one." As soon as Xiang Bin's words of "interactive communication" fell, nearly ten hands were raised at the scene, and the heads of all enterprises wanted to "grab the microphone" and communicate face-to-face with relevant departments about the development of enterprises.

Sichuan Hezong Pharmaceutical E-buy Pharmaceutical Co., Ltd. is a company engaged in pharmaceutical e-commerce, and Zheng Deqiang, general manager, put forward the current problems faced by the company after the success of "grabbing wheat". He said that the company's e-commerce platform has applied supply chain financial services, "To put it simply, when downstream small, medium and micro enterprises place orders on our e-commerce platform, we can provide 60 to 90 days interest-free account period." Zheng Deqiang said, "This model alleviates the pressure on the capital chain of downstream enterprises, but our company's own financing ability is limited." And for individual industrial and commercial households, small and micro enterprises, we cannot assess their credit. Therefore, we hope to establish cooperation with financial institutions in Chengdu. ”

Zheng Deqiang's question was immediately answered at the scene. "This is a supply chain finance business, and there are many financial institutions in Chengdu that can do it. Chengdu has a supply chain finance association, the association has more than 50 member units, mainly engaged in supply chain finance business, we can dock. The relevant person in charge of the Financial Office of the Municipal Party Committee said, "There are also channels for commercial factoring, and there are more than 10 commercial factoring enterprises in Chengdu, which are more flexible and have shorter account periods than banks." ”

The company's problems have been answered definitely, which makes Zheng Deqiang's heart settle.

After several rounds of raising his hand, Meng Fantong, general manager of Chengdu Mirror Cloud Atlas Technology Co., Ltd., finally got the microphone: "As a start-up company, funding is a big problem for us. Meng Fantong said, "Investment institutions are more interested in mature enterprises, and as a start-up company, the success rate of docking is not high; In addition, the company's turnover and tax data in the first year are not high, the repayment rate is low, and it is difficult to get loans. ”

In this regard, the Financial Office of the Municipal Party Committee replied: "Chengdu High-tech Zone has an angel investment association that invests in early-stage enterprises, and they will have online and offline roadshows every week, targeting very early-stage enterprises, some even only have business plans and have not formally established a team, and there are cases of financing hundreds of thousands to 30 million, which is a channel." The person in charge said, "There will also be a meeting of angel investors tomorrow morning, you can go and learn about it first." ”

Saidet Biopharmaceutical Co., Ltd. is an enterprise dedicated to the research and development of biomedical technology, the transformation of medical achievements and clinical application. Wu Chongwu, the company's chief financial officer, said that the company is currently facing financial problems. "This is also a common phenomenon faced by R&D enterprises, because R&D investment is large, and income has not yet been generated, and funds are relatively lacking." Wu Chongwu said.

Participating in the private enterprise meeting room, Wu Chongwu found a solution to the problem: "This event gave us a great touch, I listened to the introduction of some financial products, and some loans that were not easy to realize in our original ideas may be possible, which provides greater help for the next development of our company." ”

How to solve the difficult and expensive financing?

Chengdu will continue to improve the financial support system for enterprise development

At the meeting, the Financial Office of the Municipal Party Committee introduced the "Huirong Loan" inclusive credit project and the "Rong Yi Shang" capital market comprehensive service platform, and Chengdu Jiaozi Financial Holding Group introduced the "Rong Yi Loan" inclusive financial comprehensive service platform.

"In view of the financing difficulties, expensive financing and slow financing problems caused by the lack of collateral for small and medium-sized enterprises, Chengdu has launched the 'Huirong Loan' inclusive credit project, which effectively solves the problem that financial institutions dare not lend, cannot lend, and small and micro enterprises dare not lend and cannot lend, and effectively improve the inclusiveness, convenience and availability of loan financing for small and micro enterprises. In the next step, Chengdu will continue to guide financial institutions to increase the supply of loans and better solve the financing problems of enterprises through guarantee fee subsidies, warehousing of whitelisted enterprises, and online and offline integration services. Zou Chunlun, director of the Supervision Division of the Financial Office of the Municipal Party Committee, said.

In addition, financial institutions such as Sichuan Branch of China Construction Bank, Chengdu Branch of Industrial and Commercial Bank of China, Chengdu Rural Commercial Bank, Chengdu Branch of PICC Property and Casualty Insurance, and Ceyuan Capital conducted financial product roadshows.

According to the relevant person in charge of the Chengdu Municipal Development and Reform Commission, different from the previous symposium, this symposium presents the characteristics of diversified participants, linkage of financial institutions, and efficient financing docking. "Focusing on the financing needs of private enterprises throughout the life cycle, the participating financial institutions will achieve full coverage of banking, insurance, securities, equity investment funds, etc., and cooperate with financial institutions to provide diversified and professional financial products and services for private enterprises."

According to the relevant person in charge of the Financial Office of the Municipal Party Committee, in the next step, Chengdu will take the financing needs of enterprises as the traction, and take "Huirong Loan", "Rongyi Shang" and "Rongyi Loan" as the starting point to continuously improve the financial support system for enterprise development and improve the financing availability and convenience of enterprises.

Red Star News reporter Peng Jing intern He Jingwen

Edit into a preface

(Download Red Star News, there are prizes for reporting!) ）