It is understood that after the outbreak of the epidemic, Ningxia Financial Bureau established a financial contact mechanism for commercial complexes. The bureau took the lead and contacted department-level cadres to connect 62 commercial complexes and professional markets in Yinchuan, and supported three local corporate banks to select some commercial complexes and professional markets to carry out the pilot work of unsecured and unsecured credit loans for merchants.
Ningxia Four Seasons Fresh Agricultural Products Comprehensive Wholesale Market (hereinafter referred to as "Four Seasons Fresh Market") is an important platform to display and promote the production and circulation of local agricultural products. More than 3,900 merchants have settled in the market, of which 75% have fixed stores. It is estimated that in this saturated market, the annual trading volume of various agricultural products can reach 6.5438+0.5 million tons, and the trading volume can reach 65.438+0.2 billion yuan, which directly solves the employment of 20,000 people and indirectly drives the employment of 6.5438+0.00 million farmers around.
Local banks tailor-made loan products
Wei Gendong said that in the next step, Yellow River Rural Commercial Bank will continue to strengthen its services in inclusive finance, refine its comprehensive financial service plan, tailor-made loan products for different types of merchants in the market according to the principle of "one enterprise, one policy and one product", and provide one-stop comprehensive financial services such as credit support, settlement service and fund management for market merchants, effectively reducing the financing and fund settlement costs of merchants.
Talking about the innovation of credit loan pilot, Wu Qiong said that without the belief of the industry, there would be no prosperity of the industry; Without confidence in the people, there will be no establishment. Merchants in the specialized market of commercial complex can basically apply for mortgage-free and unsecured credit loans as long as they operate according to law and have settled in for more than one year.
It said that compared with other types of loans, the innovative characteristics of credit loans are mainly reflected in three aspects: First, merchants borrow with their accumulated credit without mortgage or guarantee. From one star to five stars, according to their own credit rating, they can get loans of different amounts, and five-star merchants can get loans of up to 500,000 yuan; Second, the professional market of commercial complex, through weighing goods and sales records, we can clearly grasp the business situation of merchants and better monitor their credit; Thirdly, in the way of settlement, banks provide a unified settlement platform for merchants by installing POS machines. As long as the settlement flow provided by the merchant, the settlement confirmation form on the professional market side of the commercial complex and the bank flow on the bank side, the bank will conduct big data analysis on the merchant, cross-verify the data of the three parties, and automatically calculate the credit line of a merchant in the background, which is feasible and controllable.
This article is from Li Liping Securities News.
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