Financial Knowledge for Small and Micro Enterprises

1. Financial knowledge for small and micro enterprises (what are the financial services for small and micro enterprises)

Financial knowledge for small and micro enterprises (what are the financial services for small and micro enterprises) 1. Finance for small and micro enterprises What services are available

1. The road to growth

CCB meets the financial needs of different enterprises based on standard business processes, simplified operating procedures and diverse financing products. Provide credit lines based on credit ratings to continue to support enterprises.

2. Sudaidaitong

On the premise of analyzing and predicting the reliability of the company's first repayment source, China Construction Bank provides small and micro enterprise customers with fast and convenient financing needs. Credit business handled with sufficient and effective mortgage (pledge) guarantee.

3. Micro-loans

The credit business customers targeted by micro-loans are small and micro enterprises with a total credit limit of less than 5 million yuan (inclusive) per household.

4. Credit loan

CCB mainly looks at the comprehensive evaluation and main credit situation of the enterprise. Small and micro enterprises with good credit will issue small loans for short-term production and operation turnover. RMB credit loan business.

Extended information:

In order to broaden the financing channels for technology-based small and micro enterprises and promote the innovative development of small and micro enterprises, Jinjiang banking financial institutions vigorously promote patent pledge financing services. By the end of April, there were 4 banking institutions in the city handling patent pledge financing business for 6 companies, with a loan balance of 150 million yuan.

In order to broaden the financing channels for technology-based small and micro enterprises and promote the innovative development of small and micro enterprises, Jinjiang banking financial institutions vigorously promote patent pledge financing services. By the end of April, there were 4 banking institutions in the city handling patent pledge financing business for 6 companies, with a loan balance of 150 million yuan.

Jinjiang Rural Commercial Bank jointly launched the "Talent Loan" product with the Talent Office, Human Resources and Social Security Bureau, Financial Bureau and Jinhua Integrated Circuit Company to provide convenient financing and loan application channels for outstanding talent groups, attracting outstanding talents and excellent Entrepreneurship teams come to Jinjiang to develop their businesses. By the end of April, *** had processed 12 “talent loans” with a balance of 2.58 million yuan.

2. What are the financial measures to support small and micro enterprises

Since small and micro enterprises are not only the main carrier of employment, but also the source of vitality for entrepreneurship and innovation, we should increase the support for small and micro enterprises. Support has always been included in the important tasks of financial institutions.

To reduce the financing costs of small and micro enterprises, financial institutions need to further clean up fee items and respond to market expectations. Of course, in addition to requiring support for small and micro enterprises, during the inspection of the two financial institutions and the subsequent symposium, the Prime Minister made requirements for all aspects of the development of the financial industry, including that financial regulation should obey the overall situation, deepen financial reform, and expand direct financing. , further liberalizing market access, supporting financial innovation, etc. This sends a clear signal to the outside world that financial support for the development of the real economy must be increased.

3. How financial institutions can promote the development of small and micro enterprises

If financial institutions want to promote the development of small and micro enterprises, they should mainly focus on solving the problem of financing difficulties for small and micro enterprises.

One of the major obstacles to the development of small and micro enterprises is the shortage of funds. Loans from banks often face complex procedures and cumbersome processes, which not only involves energy but may also delay development opportunities.

Therefore, financial institutions should try to simplify the loan process while ensuring the safety of funds, and provide high-quality, efficient and convenient financial services to provide strong economic support for the development of small and micro enterprises.

First, develop diversified financial services to meet diversified financial needs.

Second, innovate financial products and service methods.

Third, innovate loan mechanisms.

Fourth, innovate guarantee and mortgage methods.

Fifth, establish comprehensive risk management.

Small and micro enterprises are a collective term for small enterprises, micro-enterprises, family workshops and individual industrial and commercial households. It was proposed by economist Professor Lang Xianping.

The Ministry of Finance and the National Development and Reform Commission issued a notice deciding to exempt small and micro enterprises from 22 administrative fees in the next three years to reduce the burden on small and micro enterprises.

4.

The state’s financial support measures for small and micro enterprises include: 1. Ensure that the growth rate and increment of loans to small and micro enterprises are achieved with the goal of “no less than two”.

Give full play to the guiding role of re-lending, re-discounting and differential reserve mechanisms, refine assessment measures, and decompose the overall goals to each banking financial institution. All banking financial institutions must formulate separate credit plans and promote implementation at all levels.

2. Accelerate the enrichment and innovation of financial service methods for small and micro enterprises. Vigorously develop industrial chain financing, business circle financing and enterprise group financing, actively carry out loan businesses such as intellectual property pledge and accounts receivable pledge, and provide tailor-made financial services to small and micro enterprises.

3. Focus on strengthening credit enhancement services and information services for small and micro enterprises. Build a comprehensive information sharing platform, improve the financing guarantee system, vigorously develop loan guarantee insurance and credit insurance business, and form a "small and micro enterprise-information and credit enhancement service agency-commercial bank" benefit sharing and risk sharing new mechanism of responsibility.

4. Actively develop small financial institutions. Establish a wide coverage, differentiated, and efficient financial service institution system that is "matched" to small and micro enterprises, and promote the establishment of private financial institutions such as private banks, financial leasing companies, and consumer finance companies initiated by private capital at their own risk.

All kinds of financial institutions must extend service outlets to areas where small and micro enterprises are concentrated.

5. What are the key points in enriching and innovating the financial service methods for small and micro enterprises?

The key points in enriching and innovating the financial service methods for small and micro enterprises are to enhance service functions, transform service methods, Innovative service products.

All banking financial institutions must strengthen the service concept of supporting the small and micro. Do not refuse to help the customers because of the small, do not fail to help the customers because of the small profits, and must know how to make small profits but quick turnover, accumulate less to make more, and accumulate good deeds. Chengde's business mantra is to mobilize more business outlets to participate in financial services for small and micro enterprises, expand business scope, increase innovation, and enhance financial functions. It is necessary to firmly establish a customer-centered business philosophy, continuously develop specialty products based on the characteristics of small and micro enterprises of different types and stages of development, and provide tailor-made financial products and services to small and micro enterprises.

It is necessary to comprehensively provide basic and comprehensive financial services such as account opening, settlement, financial management, and consulting; vigorously develop industrial chain financing, business circle financing, and enterprise group financing; actively carry out intellectual property pledges and accounts receivable Pledge, movable property pledge, order pledge, warehouse receipt pledge and other mortgage and pledge loan businesses; promote the establishment of commercial factoring, financial leasing and directional trust and other financing services; make full use of new technologies and new tools such as the Internet, and continuously innovate online financial service models; it is necessary to We proactively provide financial services to small and micro enterprises through delayed delays and door-to-door “sweeping” services.

6. What is small and micro finance?

1. China Small and Micro Finance 60-person Forum "China Small and Micro Finance 60-person Forum" is an unofficial forum dedicated to the theory and practice of micro-finance. , a non-profit academic research organization, the forum uses a forward-looking vision and exploratory spirit to consolidate the academic foundation of China's microfinance, explore cutting-edge topics in the field of microfinance, promote the reform and practice of China's microfinance industry, and contribute to the development and prosperity of China's inclusive finance industry. .

2. Alibaba Small and Micro Financial Services Group Alibaba Group announced on March 7, 2013 that it would prepare to establish Alibaba Small and Micro Financial Services Group. The main business scope of Ali Small and Micro Financial Services Group includes payment, small and micro Loans, insurance, guarantees and other fields. Through Alibaba's platform, it will help small and micro enterprises achieve species diversification, provide tools for online merchants, and support online merchants to face consumers; through the small and micro financial services group, it will provide financing, payment, and Guarantees and other services they need to support their survival and development.

Peng Lei will serve as CEO of Small and Micro Financial Services Group.

Corporate operations of Alibaba Small and Micro Financial Services Group According to media reports, Alibaba’s small loan funds come from four major aspects. First, its two small loan companies in Zhejiang and Chongqing, with a total registered capital of 1.6 billion yuan; second, bank financing; The first is asset securitization; the fourth is that it will be open to more and more banks.

Previously, Jack Ma, Chairman of the Board of Directors of Alibaba Group, has elaborated on Alibaba’s three major stages of future development: platform, finance and data businesses. After the structure of Alibaba Group was adjusted into 25 business groups in early 2013, the platform business has been basically determined.

The establishment of Alibaba Small and Micro Financial Services Group means the beginning of the second phase. In this system, the most important concept is "credit equals wealth", and "openness, transparency, responsibility, sharing, and interaction" are the core values.

Jack Ma, chairman of the board of directors of Alibaba Group, said: China does not need another financial company, but China lacks a financial services company that truly focuses on serving small and micro enterprises. A research report shows that since 2014, there have been new changes in the financial service needs of small and micro enterprises, mainly reflected in the double increase in financing demand and comprehensive financial service demand. To this end, various financial institutions and quasi-financial institutions have made arrangements and launched their own service model.

As a quasi-financial institution, the commercial factoring industry has become a new way of financing and financial services for small and micro enterprises. Its role in effectively alleviating the financing difficulties of small and micro enterprises and supporting the development of the real economy has been understood and recognized. A new round of accelerated development has also begun. Kadwanli's pioneering commercial factoring model provides financial services to small and micro enterprises, which meets the requirements of the growing demand for financing and comprehensive financial services of small and micro enterprises, and also reflects its dedicated, professional, batch and standard service concept.

Focus: The service target group is positioned as small and micro enterprises with POS cash registers, serving the real economy; Batch: The use of modern information technology and big data technology reduces the deviation and cumbersome process of manual review operations , reduce service costs, process information data in batches, and provide services in batches; Standard: Make services into standard products. The entire service process is like a factory assembly line, and all links are executed according to standard operations to form standard services.

7. Characteristics of small and micro finance

Micro finance should have two characteristics:

1. It is based on small and micro enterprises and Poverty or low- and middle-income groups are specific target customers

Second, because the customers are special, it will have financial products and services suitable for such specific target customers.

Small and micro enterprise finance has the characteristics of high risk and high return:

High risk and insufficient collateral make small and micro enterprise finance rely on the personal credit of the business owner most of the time. , In addition, the strong uncertainty of small and micro enterprises is also the main source of risk for small loans.

High profitability, in addition to the risk premium in the traditional sense, because the market is not open and the demand is far greater than the supply, the policy premium of small loans is the source of excess returns.