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| Read： 【 1315 】 | Time： 【 2015-03-23 】 | |
| Internal capacity: [Abstract] (reporter Zhang Xiaole) recently, Shanghai city housing property Company limited by guarantee to do a big action, set up a special financing services for small and medium enterprises - real estate financing Guarantee corporation. The bank also favored a plus, as of now a total of 16 banks to give credit, total credit 5100000000 yuan, for small and medium enterprise financing business has opened up a convenient way. Washington (reporter Zhang Xiaole) a few days ago, Shanghai city housing property Company limited by guarantee to do a big action, set up a special financing services for small and medium enterprises - real estate financing Guarantee corporation. The city of provident fund loan guarantees and most commercial mortgage backed housing home security company are firmly in the grip in the hands of "should" fullness ". Why should choose to open up small and medium enterprise financing guarantee business? According to statistics, as of now, Shanghai Housing home security company has accumulated in Shanghai more than 100 million households in the provident fund loans guaranteed, accumulated 8 million households in the commercial loan guarantees, accumulated more than 70000 house deal business provide the mortgage and guarantee. But this day, conceal his sense of crisis. 2000, at the time of housing construction, the promotion of the country's provinces and cities nationwide housing property security agencies have sprung up. 10 years of time, many organizations have quietly turned or troubled. Although Shanghai Housing home security due to the Shanghai real estate market and its positive innovation, remained brisk, has been the industry leader, but if the lips are gone. They also can not help but ask ourselves: if you cancel the provident fund loan guarantee system, and will be tomorrow? Way out in the market. Housing home security 4 years ago proposed to "walking on two legs": individual housing loan guarantee can not be placed, and actively explore the market of new business. But the new business can not be separated from the security of the bank, but also to have a huge market space, but also have the opportunity to play the social responsibility of state-owned enterprises. The result of coordinate focusing is small and medium-sized enterprise financing guarantee business. However, from the point of being a personal security business to the enterprise security business is not a trick, set the network so simple, the most difficult is to learn to control risk. Housing home security relevant responsible person said, provident fund loan guarantees do before is "sit south", personal initiative to submit information, and informative documented, and plenty of real estate mortgage, risk is relatively low. But there is no such a small business financing guarantee "lunch". Small and medium enterprise financial statements and other information is not complete, involving the industry and complex, which is not only required to run the site, check inventory, see the accounts, but also to understand the characteristics of the industry. Otherwise, the business would be "mine."". Staff cited an example. A wine sales companies to apply for hundreds of thousands of dollars of loans to banks, a number of red wine to the housing property buyers. Housing home security not only to this batch of wine valuation screenwriters, responsible for the supervision of collateral, separate places, adjust the temperature to keep mortgage wine quality. Although the business is made, but housing home security also "sleepless nights": hundreds of thousands of yuan of small business financing, guarantee fee, but also more than a thousand yuan, if there is a risk, business loans have housing home security all "eat into". In recent years, companies continue to increase efforts to support the small and micro enterprises, have developed a small enterprise collection of notes, professional market mutual UNPROFOR, funds, trusts and other a variety of innovative financing products, has accumulated more than 1300 of the city's small and micro enterprises provide more than 64 million yuan of financing guarantee. Business rapid development, the housing property buyers once again quickly aware of the problem. Small business risk is big, if not measured, may affect the fund loan guarantees, and the latter will directly affect the public, the two business should be isolated. Therefore, the housing property security decision will be the original small and medium enterprise financing guarantee division, set up an independent license operators. Within two months after the establishment of the time, Shanghai real estate financing Guarantee Corporation has successfully provided a total of 13500000 yuan of credit guarantee loans for the first batch of 30 electronic commerce micro enterprises. The first 30 enterprises involved in trade, manufacturing, production and many other industries, the average amount of 450000 yuan credit line. The bank also favored a plus, as of now a total of 16 banks to give credit, total credit 5100000000 yuan, for small and medium enterprise financing business has opened up a convenient way. |
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