I have used it, it is very good. "Beibu Gulf Micro Loan" is issued by Guangxi Beibu Gulf Bank to micro-enterprises, other economic organizations, individual industrial and commercial households or natural persons. It is used to solve the temporary capital needs of borrowers in the process of production, trade, services and operational investment. Loans issued.

1 Product Features:

1) Product Purpose: With the purpose of serving micro-enterprises wholeheartedly, the Bank will become the leading bank in the field of micro-credit in China.

2) Product philosophy (i.e. "micro-loan culture"): "Trust creates responsibility, fairness inspires enthusiasm, and service moves customers."

3) Product elements: Loan amount RMB 5,000 to RMB 2 million (inclusive); Loan period 3 months to 3 years (inclusive); Flexible guarantee, no mortgage required; Convenient procedures, no fees; Approval Efficient, the loan can be released in 2-5 working days.

2. Target customer groups for the product:

Mainly micro-enterprises, individual industrial and commercial households, farmers, etc. This type of customer is smaller in scale, has fewer assets, and lacks traditional collateral generally recognized by financial institutions. However, it also has the ability to continuously generate cash flow, have relatively stable growth, and its main business is directly related to the daily needs of residents, and truly constitutes the operation of social economy. Features. Specifically, they include small grocery stores, small cigarette stalls, millet noodle shops, small hardware stores, small clothing stores, small pharmacies, small flower shops, small bookstores, small hotels, small wholesalers, micro enterprises, etc.

3. Product promotion:

"Beibu Gulf Micro Loan" is the flagship brand of small and micro financial products in the industry. As of the end of 2012, the balance of micro loans was 6.190 billion yuan, accounting for 20.42% , an increase of 3.641 billion yuan, an increase of 142.84%. A total of 10.56 billion yuan has been invested in 23,020 households, creating employment for about 230,000 people.

4. Successful cases:

Guangxi Jikuan Solar Energy Equipment Co., Ltd., through Beibu Gulf micro-loans, vigorously develops agent dealers and purchases solar equipment production materials. By April 2012, the average monthly turnover increased from 375,000 yuan to 550,000 yuan, and the number of dealers increased from 30 to 70. After one and a half years of development, the company has grown into a leader in solar equipment manufacturing enterprises in Guangxi District, and has won many honors such as Guangxi Famous Solar Energy Enterprise, Nanning Advanced Enterprise, and Vice President Unit of Guangxi Solar Energy Association. It can be seen that the characteristics of micro-loan are "fast, flexible and convenient", which is very suitable for developing small and micro enterprises. It can be said that it can follow the growth of enterprises simultaneously, achieve mutual benefit with enterprises, and achieve a win-win situation for both parties.