5th floor, Longquan Building, Haikou, Zhongxin Investment Consulting Co., Ltd.!

Innovative capital finance promotes the adjustment of industrial structure to achieve leap-forward development

Good afternoon, leaders and entrepreneurs:

I am very happy to come to Yuhua to have face-to-face exchanges with entrepreneurs and friends, and to discuss how to inject sustainable financial capital into enterprises through professional financial service channels in the face of great changes in the industrial structure of innovation, excellence and innovation during the period of rapid economic development, so as to realize. Here, I would like to thank the Nanjing Federation of Industry and Commerce and the Yuhua District Federation of Industry and Commerce for organizing this event, and for building a cooperative platform with symmetrical information and smooth communication to improve the social credit system. I would also like to thank the news media for their strong support and participation, and at the same time, I would like to extend a warm welcome to the active participation of enterprises with financing needs.

is it an organic combination of maintaining growth and promoting transformation? New economic growth? In the era, the primary problem that restricts the development of enterprises is still the lack of funds. Small and medium-sized enterprises often find it difficult to obtain loans directly from banks because of the small scale of enterprises, the difficulty in judging their financial situation, the lack of excellent mortgage assets, and the limitations of the credit mechanism of commercial banks, which adds insurmountable obstacles to the development of enterprises. Today, Jiangsu Guarantee, Xinxin Group entered Yuhua, just to send perfect and intimate financing guarantee services and innovative and convenient financing guarantee products to small and medium-sized enterprises. We will help enterprises to complete industrial restructuring, improve their operational capacity and capital regeneration capacity, and realize the leap-forward development of enterprises through the innovation of financial service models and measures.

the credit capital market is a mixture of good and evil. Take Nanjing as an example. There are nearly 1, Jiangsu guarantee companies, large and small, but few are recognized by the government. Most of them are so-called loan companies? Credit financing? Under the guise of making excuses, charging a high commission and operating a usury business. Once enterprises set foot in, they will face huge financing costs and high-risk capital risks. How to choose professional and standardized financing service institutions, entrepreneurs and friends present here must keep their eyes open and carefully distinguish between authenticity and falsehood.

Jiangsu Xinxin Group was established in September 26. At present, it is the largest private guarantee institution in Nanjing, and the only guarantee institution in Nanjing that enjoys four levels of financial support from the state, province, city and district. It was rated AA in the credit rating of guarantee institutions of Nanjing Branch of the People's Bank of China in 29 and ranked among the top ten credit rating institutions in Jiangsu. Over the past three years, Xinxin Group has formed close cooperation with small and medium-sized enterprises in Yuhua District. According to statistics, in 29, the Group provided nearly 3 million yuan in financing guarantee to nearly 1 enterprises in Yuhua District, among which the financing scale of three enterprises exceeded 1 million yuan, and the enterprises served by Xinxin covered manufacturing, construction, electronic information, software industry and other fields.

in recent years, the economic development in yuhua district is very rapid, the industrial structure adjustment has achieved remarkable results, and the consumption demand has steadily increased, which is important for absorbing development resources such as people flow, logistics, capital flow, technology flow and information flow? Magnetic field? ; With the rapid development of high-tech industry and the improvement of modern service industry, the three major parks have increasingly become an important support for Yuhua economy. To promote the industrial transformation and upgrading of the park, first, it is driven by the upgrading of the value chain, second, it is driven by the locomotive of modern service industry, third, it is driven by industrial clusters and characteristic industrial parks, and fourth, it is driven by creating an effective carrier for the transformation of achievements and a public technology platform. With? Support small and medium-sized enterprises and assume social responsibilities? Xinxin Group, which is the leading enterprise in modern financial service industry, has been exploring and innovating for the financial service industry with novel and unique ideas and perspectives, and has truly applied the financing rules flexibly to help enterprises turn the reality that they cannot obtain loans from banks into practical financing methods, so that enterprises can obtain loans in the shortest time and at the lowest financing cost.

as one of the pillars of yuhua industry, the annual sales revenue of software industry in 29 was 14 billion yuan, up 18% year-on-year, ranking first in the city. Although most enterprises have core technologies and invention patents, and the market prospects are promising, it is difficult to apply for bank loans due to the lack of collateral. In view of this problem, Xinxin has designed flexible and diverse counter-guarantee measures, turning intangible assets of enterprises into tangible assets, and taking intellectual property rights, trademark rights, patents and personal credit of enterprises as counter-guarantee measures to provide financing guarantees for enterprises.

This innovative measure, which closely combines scientific research achievements with capital finance, caters to the vigorous development of scientific and technological enterprises in Yuhua District. Such as:? Fee conversion? Financing guarantee: Xinxin provides one-stop meticulous and thoughtful nanny financing service for enterprises, provides zero-fee financing guarantee service for enterprises, converts the guarantee fee into enterprise equity, and repurchases the equity after the enterprise develops and grows, realizing capital appreciation and developing with the enterprise. For example, inventory pledge financing guarantee, enterprise ERP system opens a port, which is connected with the network system of Xinxin Group. Xinxin can know the inventory status of enterprises in time, avoid the intervention of regulatory authorities in traditional inventory pledge, reduce the financing cost of enterprises, improve the approval efficiency, speed up the financing process, and reduce the operational risk at the same time.

in addition, trademark rights, intellectual property rights, patent pledge, vehicle equipment, self-built delivery room mortgage on collective land, charging rights, personal credit and inter-enterprise joint guarantee can all be flexible counter-guarantee measures of Xinxin Group. Here are a few examples:

1. Pledge of trademark rights:

A service-oriented enterprise whose brand is a famous provincial and municipal trademark, because it can't get loans from banks without fixed assets, Xinxin pledged its famous provincial and municipal trademarks to help enterprises get loans of 8 million yuan, which is the first business of Nanjing financing guarantee.

2. Charge pledge:

In the process of development, a well-known science and technology software park hopes to get loans from banks to support the transformation of the existing park, but it has been turned away because there is no collateral recognized by the bank. We took the equity of the park and the charge right of the park as pledges to help it obtain a loan of 4 million yuan from the bank, paving the way for the industrial upgrading of the park.

3. Credit guarantee:

An enterprise engaged in the production and sales of communication software wants to get a loan from a bank in the process of industrial upgrading, but the software R&D enterprise does not have a physical mortgage recognized by the bank. Jiangsu guarantees it, and Xinxin takes corporate equity and credit as counter-guarantee measures to help the enterprise get a loan of 5 million yuan;

Of course, the development of central enterprises is a long-term and complicated task, and it also needs the mutual cooperation and efforts of government departments, banks and enterprises. I believe that the development of enterprises will be faster and better by establishing a multi-level and wide-ranging investment and financing system and interactive mechanism. We also hope that Xinxin Group will help them on the road of growth. Now, please ask all entrepreneurs to speak freely and raise all the existing problems in financing. We will discuss them together, hoping that our arrival will give all entrepreneurs a satisfactory answer.

thank you.