When the global economy is cold, how to start a second-generation aircraft carrier, the capital is a key factor. How to combine the characteristics of the company to launch more professional and closer financial products, various financial institutions are also "eight immortals across the sea, each show their magic", began to try to take the market segmentation road. Previously, banks such as Bank of China and Agricultural Bank of China launched special financial products tailored to the Quanzhou tea industry, the footwear industry and import and export enterprises. Yesterday, Minsheng Bank also settled the “Stone Finance Division†at the head office level in Nan'an Shuitou. It is reported that this is the seventh market segment of the bank. According to industry evaluations, after the market segmentation, financial industry experts will be promoted, which is of positive and important significance for financial institutions to deeply cultivate industry customers and help enterprises to transform and upgrade. Private enterprises need urgent financial assistance "Money! Money!" Mr. Wang, the head of a large-scale stone enterprise in Nan'an, said that this year his company went to Shanxi to acquire several small and medium-sized mines. However, after many funds have been raised, there is still a gap. It is already planned to give up one or two of them. Yesterday morning, the news of the establishment of the Stone Finance Division by financial institutions attracted the attention of many stone business owners in Nan'an, including Mr. Wang. The financing difficulties of SMEs have become the current consensus. In June last year, the China Banking Regulatory Commission issued the "Notice on Supporting Commercial Banks to Further Improve Small Business Financial Services", and introduced 10 measures to support commercial banks to increase credit support for small businesses with differentiated supervision and incentive policies. At the beginning of November last year, Quanzhou issued the “Ten Measures for the Development of Small and Micro Enterprises in Quanzhou Banking Industry†to encourage commercial banks to increase credit support for small businesses. At present, Quanzhou is in a critical period of climbing and changing, and needs financial institutions to give greater support and help. For the banking industry, increasing efforts to support small and micro enterprises is not only an important way to maintain the smooth operation of the local economy and current financial stability, but also an important way to transform its own development mode. In mid-May, Fujian Banking Regulatory Bureau financial support Quanzhou real economy promotion meeting was held in Quanzhou, mobilizing financial institutions to actively support the development of Quanzhou real economy. 30 billion stone industry upgrade Nan'an has more than 1,500 stone enterprises, stone production accounts for 50% of the country, and stone products market share accounts for 70% of the country. In recent years, Nan'an stone industry has continued to grow and develop, and has formed the largest stone industry cluster in China, and has moved toward the world-class stone industry manufacturing base and distribution center. At the same time of industrial development, Nanan Stone is also facing difficulties. Low-carbon pressure, environmental protection requirements, policy adjustments and other factors require the industry to achieve industrial upgrading as soon as possible. To transform and upgrade, enterprises need to introduce advanced technology and equipment. They need to extend their reach to domestic and foreign mines, and need to integrate existing marketing channels. All of this requires financial support. The common rule of stone enterprises is that, besides fixed assets investment, most of the funds of the enterprise are invested in the purchase of blocks. The stone unit has a large amount of weight, low liquidity and lack of working capital. At this time, once there are new investment projects, often A loan is needed to address financing needs. In the traditional practice, inventory such as stone cannot be a collateral, which directly limits the financing channels of stone enterprises. In the stone industry, the raw materials of stone and its semi-finished products and finished products occupy a large amount of capital of the enterprise. If the enterprise cannot revitalize it, it is difficult for the business to develop by leaps and bounds. “The scale of bank loanable funds has fallen, and the development of the stone industry has encountered financial difficulties.†Mr. Li, the head of a stone company in Nan’an, said that stone companies are more eager and urgent about the support of credit. The relevant person in charge of the head office of China Minsheng Bank said that in the next three years, they will invest 30 billion yuan, starting from the Nanan Stone Business Unit, and boosting the transformation and upgrading of the national stone industry. Banks want to become an expert dealmaker Minsheng Bank branch in Quanzhou Vice President Xu Hong map view, stone industry, finance, financial services should focus on the development of the whole industry chain. According to reports, the stone industry chain, including mining, trade blocks, processing of raw materials, product sales and other sectors, a large number of industry profits and capital accumulation in mining, marketing, traditional bank lending services mainly for enterprises processing sectors, on both ends of the downstream put into a very small, doing specialized financial development of space is very broad. Key Stone Industrial Finance Division of the agency will be caught mine source, such as domestic and foreign miners to buy mines to provide financial support to obtain a price advantage blocks procurement; involvement of key mining investment work to obtain investment opportunities mines . It is reported that in the next three years, the financial institution will focus on two key links of mining, sales (engineering order market and professional market sales channels), and gradually become the financial industry in the field of stone industry through innovative methods such as project order matching and new mine promotion. Stone mine financial experts, stone trading experts. In this regard, Huang Mingjing, executive vice president of Nanan Stone Industry Association, also said: "We are currently setting up a team of consultants to carefully study how to use various financial products to serve more stone counterparts." Related reports China's first head office-level stone business unit established a stone industry in Quanquan to welcome the entire industry chain financial services (Reporter Qiu Hejun) Dongsheng, Huahui, Dongxing Stone, Haoxiang Stone Industry... Yesterday, in addition to Quanzhou's local stone giants, there are even national stone industries from Guangdong Yunfu, Shandong Laizhou and Sichuan Ya'an. The base's big brothers gathered in Quanzhou and witnessed the establishment of the first head office of the National Commercial Bank outside the municipality, witnessing the first stone industry financial services products in China. The transformation and upgrading of the stone industry requires large funds As a sub-sector of the building materials industry, stone industry has a scale of over 400 billion yuan in 2011, which is a sub-sector of moderate scale. In recent years, with the continuous advancement of urbanization and residential decoration, the stone industry has maintained a high-speed development momentum, and its development speed is obviously faster than the average growth rate of the building materials industry. As the country's largest stone industry cluster, Nanan has more than 1,500 stone enterprises, stone production accounts for 50% of the country, and stone products market share accounts for 70% of the country. However, Nanan Stone is also facing difficulties. Low-carbon pressure, environmental protection requirements, policy adjustments and other factors require the industry to promote industrial upgrading as soon as possible. “The whole stone industry is looking forward to the deep involvement of finance.†Liu Jianhua, secretary-general of China Stone Industry Association, said that nowadays, when the industry is optimized and upgraded, it needs the combination of modern financial industry and stone industry. Wang Jinsha, director of Dongsheng Stone, shares the same feeling. He said that the stone industry is a capital-intensive industry. In addition to fixed-asset investment, the raw materials of stone materials, semi-finished products and finished products occupy a large amount of funds, and the liquidity of funds is slow. Once new investment projects are available, they often need to be solved through loans. Financing needs. However, it is difficult for stocks such as stone to become bank financing collateral, which directly limits the financing channels of stone enterprises, and it is difficult for enterprises to develop by leaps and bounds. Banks have explored the road to professional finance In the industry's view, the stone industry has developed into a rich industrial chain. The entire industrial chain includes mining, block trade, raw material processing, finished product sales, installation and construction. “Industry profits and capital are concentrated in the mines and terminals. The trend of the capital and profit of the stone industry chain is becoming more and more obvious.†Lu Anmin, president of the National Chamber of Commerce of the Stone Industry, said that mining and sales are the key to the whole industry, but the tradition The bank loan service is mainly for processing enterprises. The input of both upstream and downstream is very small, and there is a wide space for professional financial development. In the eyes of financial institutions, the stone industry is also a piece of fat. The world's stone capital, the water head, gathers most of the stone varieties and many manufacturers at home and abroad, has a good potential for financial resources development. In recent years, several major banks have explored breakthroughs in entering the stone industry, especially focusing on innovation. The Bank of China Quanzhou Branch piloted a new model of SME business, tailoring the “rolling inventory pledge supervision plan†for stone enterprises, which solved the urgent need for corporate financing. CCB's special stone industry for Shuitou mainly surveys and evaluates the credit information of enterprises and business owners, etc., and scores the inspections, citing unsecured credit loans. From the end of 2011 to the beginning of 2012, Minsheng Bank's Credit Rating Department, Retail Banking Department and Quanzhou Branch jointly established the Shuitou Stone Industry Financial Research Group to conduct special research and form a 130,000-word stone industry blue book. Research shows that financial institutions can gain absolute advantage in segmentation markets and share the long-term development benefits of the industry. Not in the head office department of the municipality Minsheng Bank's Stone Industry Finance Division has created a number of firsts in Quanquan. This is the first level of Minsheng Bank's first-level business unit to be headquartered outside the municipality. It is also the first national commercial bank's head office-level business outside the municipality. Ministry is the first stone industry financial institution in China. Its birth means that the stone industry has its own unique financial service model. The "Stone Industry Financial Service Plan" released at the inaugural meeting triggered a hot discussion among the stone industry. “There are now specialized financial service gangs and products for the stone industry, which have more choices for enterprises.†Wang Shaofang, the head of Pengxiang Gangshi, believes that there are many highlights in the financial service plan, not only the innovation of product application, but also the innovation of the system. Breaking through the limitations of the region, it is designing a professional service plan from the perspective of the entire industry chain, the country and the world. Qiu Shangqi, president of the Minsheng Bank's Stone Industry Finance Division, said that the stone industry finance is doing the whole industry chain financial service development. According to reports, the stone industry financial department will be based on the water head, go to the country, and strive to create a unique mine new product promotion platform, transparent supplier bidding platform, intensive procurement integration platform, full-time single-service platform and other four service platforms, National stone enterprises provide global and professional financial services to promote the transformation and upgrading of the stone industry.
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Private enterprises to climb the slope need financial assistance to 30 billion credit to Quanzhou stone industry
Abstract When the global economy is cold, how to start a second-generation aircraft carrier, the capital is a key factor. How to combine the characteristics of the company to launch more professional and closer financial products, various financial institutions are also "eight immortals across the sea, each show their magic", began to try to go...