2. Main business: purchase of grain and rice, processing, sales and distribution of by-products, and high-end product positioning.

Third, brands: He Run and Jia Qingyu in Jiuxiang.

4. Sales area: Yunnan, Guizhou, Sichuan, Shanghai, Fujian, Jiangsu, Zhejiang, Changchun and other places.

Verb (abbreviation of verb) financing demand: Jilin Honghe Rice Industry Co., Ltd. has been developing with stable wholesale customers in the domestic market for many years. Due to the fierce market competition in recent years, the requirements for the quality of goods are increasing year by year, and it is necessary to update and transform the production equipment, which has had a certain impact on the production liquidity. The company's capital turnover is 1 time /2 weeks, and the settlement method is delivery first and then payment, so there is a funding gap of 3 million yuan. Therefore, the applicant will help to coordinate and solve the loan of 3 million yuan for the company's working capital turnover.

6. Customer conditions: the lack of effective collateral is the biggest bottleneck hindering the company's loan. It is precisely because of this bottleneck that the company's loan application was rejected by many banks.

Seven, practice:

(1) Tailored financing scheme design. Sales of 80 million, profit rate of 5%, fixed purchase channels, fixed sales channels, fixed payment cycle, inherent consumer groups, mature management model, and low operational risk. If there is suitable collateral, then Honghe Rice Industry Co., Ltd. is definitely a credit customer for small and micro enterprises that many banks compete for.

In view of the financing difficulties of enterprises lacking effective guarantee methods, the Chamber of Commerce and banks have taken measures to prevent and control risks by relying on the cash flow of enterprises, closing the sales return path of enterprises, mortgaging movable property, and taking the enterprise funds of the Chamber of Commerce as guarantee. After reasonable calculation of the repayment ability and capital demand of the enterprise, the company was granted a credit of 3 million yuan.

(2) Key analysis

Normal operation, good reputation and effective guarantee have always been the main prerequisites for banks to issue loans to enterprises. In the 3 million yuan small and micro enterprise loan issued by Hong Xiang Hemei Industrial Co., Ltd., it is precisely the enterprise fund guarantee of the Chamber of Commerce that has played a decisive role.

Small and micro enterprise loan products issued by cooperative banks with chambers of commerce do not need mortgage and evaluation. By investigating the business history, reputation and sustainable development ability of the enterprise, especially by focusing on the cash flow of enterprise sales as the first repayment source, the purpose of risk control is achieved, which effectively solves the problems of difficult loans and guarantees for small and micro enterprises, saves the formalities such as evaluation, insurance and mortgage registration for enterprises, and saves time.

(3) Enterprise reform

After obtaining a loan of 3 million yuan, Honghe Rice Industry Co., Ltd. invested all its funds in expanding the market and improving the quality and quantity of goods, which ensured the smooth implementation of the overall business plan of the enterprise, increased the company's turnover and profits, and at the same time increased 15 jobs, which significantly improved its competitiveness. According to the person in charge of the company, a loan of 3 million yuan can increase the sales flow of the company by 60 million yuan to 70 million yuan a year.

Eight. Case Comment: The enterprise fund-guaranteed loan of dehui city Planting and Circulation Industry Chamber of Commerce was born at the beginning of 20 12. It is a new small and micro enterprise loan product specially designed by Minsheng Bank for high-quality planting and distribution industry chain enterprises. All enterprises applying for such loans only need to provide relevant materials of enterprises and legal persons to the Chamber of Commerce and loan banks, and the enterprise fund of the Chamber of Commerce will be used as credit guarantee. The settlement account is set up in the loan bank to ensure the sales return. Closed operation of funds can get financing support. Loans do not need mortgage and guarantee in the traditional sense, but only rely on the borrower's real transactions, real asset status, real credit status and business continuity as the premise of loan issuance.