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No room, no car A business card can loan hundreds of thousands?

Time: 2013-10-16         Source: Sanxiang City Daily         Author: SanXiang

        When “good faith” has become a rare resource in society, the arguments of banks or private lending institutions that “you don’t have a car or a car and what kind of mortgage loan” have become weaker, and more and more financial institutions have jumped out of the confinement of collateral. They have introduced credit loans.

On October 13, the reporter learned that many banks in Hunan can lend up to more than 30,000 to 500,000 yuan by virtue of their personal credit; they also allow SMEs to obtain loans without suitable collateral. , crack the problem of loan difficulties.

At the Gold Expo on October 17-19, participating financial institutions will be unsecured to individuals and businesses.Credit LoansFor detailed explanation and explanation, there will also be a green channel for applying for credit loans.

  Unsecured loans

Helping the growth of small and micro enterprises

In the first half of this year, the economic growth rate continued to adjust, and the development of our country’s real economy, especially small, medium and micro enterprises, was plagued by the fact that, on the one hand, small companies generally lacked collateral, and on the other hand, the phenomenon of banks “poorly rich and poor” still existed. As a result, financial transfusions often fail to reach small and micro enterprises.

The reporter learned that more and more banks in Hunan have noticed the shortcomings of traditional small- and micro-businesses. There are many financial institutions, most of which issue loans in the form of pure credit, breaking the bottleneck of micro-enterprise guarantees.

For example, the “Good Credit” credit loan product launched by the Hunan Branch of CCB is based on the activeness of the settlement and settlement accounts of small and micro enterprises, and does not require mortgages and guarantees to issue credit loans of up to 2 million yuan. Changsha Chenlong Mechanical and Electrical Equipment Co., Ltd. became the first company in Hunan Province to obtain this credit loan, and this loan was 670,000 yuan.

At the end of September, Changsha Zhen'an Mechanical and Electrical Equipment Co., Ltd., a micro-enterprise operating mechanical equipment, hardware and electronic products, and electronic products wholesale, took less than 10 working days to use less-valued real estate mortgage plus credit guarantees, from the Bank of China in Hunan Province. The branch business department obtained a loan of 1.6 million yuan. According to its statistics, as of the end of July, the bank's three pilot banks have established credit programs for 58 micro-enterprises, involving nearly 150 million yuan in financing needs.

Personal credit becomes real gold and silver

If corporate credit can be credited because the company has at least visible products and operations, then personal credit can be a business opportunity for the financial industry to smell the upgrade of social consumption.

Mr. Zhang, a civil servant in Changsha, recently wanted to buy a Honda car worth 300,000 to 400,000 yuan from a bank loan. Huarong Xiangjiang Bank's "reward and benefit" consumer loans, just to meet his needs, apply to the bank a few days later, he received 200,000 auto consumption loans.

It is understood that "Zunrongyi" is a loan issued by Huarong Xiangjiang Bank exclusively for the state's civil servants for its personal and family consumption.

Some people say that "Zunrongyi" is more like a form of identity loan, so if ICBC Hunan Branch's "Easy Loan" product is an 18 to 70-year-old ICBC payroll customer with good credit standing, it can pay through various payments. Means for real-time loans. This innovative product adopts a credit loan method, which requires no mortgage, the system automatically approves, and the funds are instantly available. This can be handled as long as the single consumption amount is over 600 yuan. The maximum credit for a single household is 60 based on the credit line of the customer ICBC. Ten thousand yuan.

WhileGuangfa BankThe “Commercial Card” recently launched by the Changsha Branch is to integrate the financing functions of small and micro enterprises and the personal wealth management functions of business owners. In response to short-term medium and micro financing needs, cardholders will enjoy a credit extension period of up to 5 years. An unsecured credit line with an amount of RMB 500,000.

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