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Bank and Government Cooperation Organization in 2010 recommended activities Summary of financial products

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to build a bridge of cooperation between banks, to meet a wide range of loan demand of SMEs, according to the provincial government Center Branch, Kunming, June 5, respectively, 9 and 15 in Kunming, Simao City, and Ruili City, Yunnan has held a three, southern Yunnan, western three patches of financial products will be recommended. City, the province more than 400 families in 16 small and medium enterprises in charge of financial leadership and economic commission in charge of finance and the state and counties, people on the line more than 700 comrades attended the meeting. ICBC, Bank of China, China Everbright Bank, GDB, deep issue, Huaxia Bank, Pudong Development, Kunming City Commercial Bank and the Provincial Farmers Union of nine financial institutions were recommended to the participating companies to carry out their business relatively good financial innovations, companies and banks between the two sides negotiate the financing and consulting activities. Recommended activities through the organization of financial products, banks and participating enterprises to further enhance the mutual understanding and establish a preliminary relationship, expanding areas of cooperation and the scope for further strengthening mutually beneficial cooperation between banks and enterprises, and achieve common development has laid a good basis. Now report the situation as follows.
First, the basic situation of the Area
financial products will be recommended duration for the day, the morning schedule as recommended by the banks financial products to businesses, loans in the afternoon of banks and enterprises negotiate the financing and consulting. Area will include Kunming, Yunnan, Qujing and Zhaotong City 3, ICBC, Bank of China, China Everbright Bank, GDB, deep issue, Huaxia Bank, Pudong Development,[link widoczny dla zalogowanych], Kunming City Commercial Bank and the provincial agricultural Associated Press and other financial institutions 9 financial products recommended at the meeting venue, located in Kunming, a total of 160 households participating SMEs. Area will include the southern Yunnan Yuxi, Red River, Wenshan, Simao and Xishuangbanna 5
a city, the ICBC, BOC, GDB, deep issue, and province, the Associated Press and other agricultural financial institutions, five financial products recommended at the meeting, venue in Simao City, a total of 130 households participating SMEs. Area will include Chuxiong western Yunnan, Dali, Baoshan, Dehong, Lijiang, Nujiang, Diqing and 8 Lincang City, ICBC, Bank of China, Pudong Development, GDB and provincial agricultural Associated Press and other financial institutions will be 5 the recommended financial products, the venue is located in Ruili City, a total of 140 households participating SMEs.
Area in Yunnan at the provincial Economic Commission, Deputy Director Yue Yuesheng status and role of SMEs, and expand bank loans to SMEs have been the basis and conditions and with the next step to promote cooperation between enterprises and government requirements of banks spoke , Kunming, People's Bank of China deputy governor at the central branch of bank credit support to SMEs,[link widoczny dla zalogowanych], the financial institutions to meet the financing needs of SMEs in product innovation and service innovation in the case, bank-enterprise cooperation, the main problems and ways to further promote cooperation between banks and made a speech. In southern Yunnan, western Yunnan Area meeting, Provincial Economic Commission, Assistant Inspector Zhang Shixiong and Kunming, the People's Bank Central Branch Director Jiandong money and credit, the Deputy Director of the word gay military commissioned by the department heads, made a speech on related issues. City location of the meeting leader or head of the Economic Commission officials, who were briefly introduced the basic situation of the local. The banks are in the form of slides or multimedia companies to the participants recommended the financial innovations, and application examples were explained and instructions, the participants listened carefully to the banks corporate financial products introduced, and in accordance with the actual situation of their own and financing needs, and actively participating banks own initiative a consultation and negotiation. Area meeting in Western Yunnan Province, more than 40 families should be small hydropower development requirements of enterprises, the Provincial Economic Commission and the Center for the People's Bank branch in Kunming held a special organized a special meeting to hear the small and medium enterprise financing needs of hydropower development, hydropower development in the industry to answer the State policy and credit policy, the participants of hydropower development financial institutions, small and medium enterprises to introduce its credit policy for small and medium hydropower.
Second, the main features of the financial products recommended activities
has the following outstanding features:
(a) leadership attention, well-prepared. The recommended activities by the provincial Economic Commission, the People's Bank branch in Kunming center, all the banks and the Provincial Farmers Union of competent leadership attaches great importance to their business were deployed backbone of the activities recommended by the preparatory work on various aspects of the activities recommended careful validation check, the Provincial Economic Commission and the Central Branch of People's Bank of competent leaders in Kunming to the Yunnan Area will personally guide the work. Recommended before the event, the Provincial Economic Commission and the People's Bank branch in Kunming center program of activities for a number of recommendations to negotiate their homes 2191.cn secretary repeated scrutiny, to secure all aspects of thoughtful, not Chupi Lou. Provincial Economic Commission, Economic Commission to mobilize the power of states and counties, organizations across the province has demand for loans to SMEs and to survey participants in the form of loans to enterprises on the participants carried out a thorough investigation needs; Center for the People's Bank branch in Kunming carefully selected 9 financial institutions to participate in recommended activities, and financial institutions 9 78 compiled financial innovation, financial products recommended to the meeting notes compiled; nine financial institutions, financial products will be recommended by the elaborate slide into easy to understand or multimedia. Activities recommended by the convening of the meeting the parties made adequate preparations.
(b) patch held coverage. According to the principle of the relative concentration of neighboring city, the province will be divided into three 16 City Area, fragmentation will hold recommendation to reduce business costs, increase business opportunities for participants, and help banks to more accurately grasp the Area industries and enterprises of all the characteristics to carry out more targeted recommendations and services.
(c) new forms of meeting, select the appropriate product. Recommended two-way communication between the bank will take the form of interaction, in the bank recommended financial products to the enterprise, based on advice from the company directly to the banks of the financial business, to achieve the enterprise understand the bank's financial products and services, the banks control the business enterprise situation and financial needs, two-way information exchange. Recommended activities are the choice of financial products and demand for bank financing for small and medium characteristics of traditional constraints, to effectively expand bank lending to SMEs channels to meet diverse financing needs of SMEs.
(d) division of labor, work closely together. Recommended activities under the program, the Provincial Economic Commission, the People's Bank branch and the Kunming center of a clear division of the bank, the Secretary of its responsibilities, time forward, work methodically. State Economic Commission and the People's Bank of city and county departments to organize and lead the area of corporate participants,[link widoczny dla zalogowanych], City People's Bank has also organized some of the city commercial banks to participate in consultation on negotiation activities, direct reception of local enterprises. Primary Economic Commission, the People's Bank and the participation of commercial bank branches, in order to strengthen the tracking service, to further implement the corporate demand for loans has provided a guarantee and support.
(v) enterprises to actively respond and eager loans. The Area Advisory site
, suggested the provincial government allocated special funds work to improve cooperation between banks and joint system of the province to continue its Financial products will be recommended, , banking, communication and cooperation between enterprises.
the activities of financial products recommended by the states and counties Economic Commission, the People's Bank branch and the city support the banks, and achieved good results. Will be held the next business requirements, increase the content of teaching banks to expand the bank's financial services businesses understand and use. Recently, the provincial joint cooperation between banks and the Office of the City, the province will collect and sort the expand the depth and breadth of bank-enterprise cooperation. <Br

The atmosphere is warm, both banks and enterprises want to take advantage of this opportunity to enhance mutual understanding, enhance mutual cooperation. Some companies, chairman and general manager of personal participation, many companies prepared a detailed loan application materials, and some companies even participants with physical products, is desperate to banks as soon as possible to form an intuitive impression of the company and judge.
(f) actively cooperate with the media and timely media coverage. Yunnan Daily, Financial Times, Kunming TV and local TV stations and other news media advocacy activities of the recommendation report, the Government expressed to the community and financial institutions lending to SMEs difficult issues and the efforts.
Third, the main effect of the financial products recommended
activities to achieve the following four main results:
(a) the increased mutual understanding between banks and enterprises, expanding the bank-enterprise cooperation. Recommended activities through the organization of financial products and broaden the company's vision for the company made a very good financial literacy and training to help improve business innovative financial products for banks do not know much, is not widely used, the status of little benefit to help enterprises take full advantage of banks to develop financial products and expand financing channels. Many banks and found the operation, and the market prospects of better business and projects to explore a number of potential high-quality clients.
(b) shows the bank's new image. Recommended financial products, banks also shows the banks in the implementation of the financial system after the mechanism for promoting innovation, product innovation, process innovation, channel innovation and marketing innovation, the progress made, especially in wide release, the China Everbright Bank Huaxia Bank and Pudong Development and other joint-stock banks, local businesses to showcase their advanced management concepts, with characteristics of the business direction and business focus, increased attractiveness to corporate customers.
(c) to find out the basic situation of SME loan demand. Summary of participating companies through the fill in the (long-term loans, short-term loans), banks put in place those loans and the loan amount,[link widoczny dla zalogowanych], as well as loan demand in the city distribution and industrial distribution, will contribute to further analysis of SME loans financing problems in the study and put forward under the further improve financial services in the measures and methods.
(d) that the bank and the gap between demand and supply sides, improving the work on the next step to deepen cooperation between banks has a positive role in promoting.
Fourth, problems and improvements
the financial products recommended SME financing activities reflect the work of some of the problems:
(a) enterprises to obtain bank loans more difficult. Mainly in the national industrial structure adjustment catalog or over-investment companies in industries such as steel, coke, iron alloy, cement and so on, this part of the business transformation of the desire to increase or restructuring operations relatively strong support for the urgent need for bank loans. There are some more advanced technology, market potential, but the market is high-risk projects, such as solar photovoltaic conversion, synthesis of new materials, apply for loans is also more difficult.
(b) a more conservative asset valuation. Some enterprises reflect payment of the mortgage banks in the process, the company is significantly undervalued assets, mortgage rates and a big gap between business expectations.
(c) of the bank not pay enough attention to small businesses. City County Economic Commission, the process of corporate participants in the organization, reflecting worry about the small business lending banks do not focus on their needs, not willing to seek Bank support.
(d) lack of bank business outlets. Many enterprises report, the banks operating branches in the cities and counties in the states less business, fewer species, the low approval authority, it is difficult to meet the business needs of a wide range of financial services.
(e) inadequate corporate disclosure. Reflecting the banks, many enterprises in securing bank loans, production and management problems and market risks that may exist do not reflect or reflect the basic lack of provision of financial information, market analysis and investment analysis, profit and loss non-standard or incomplete information , the bank is difficult to fully grasp the real situation of enterprises, and enterprises to make accurate judgments.
summing up the activities of financial product recommendation reflected the achievements and problems, the next step in the Bank of cooperative work between government and enterprises should focus on strengthening the work of the following areas:
(a) to strengthen the industrial policy and credit policy coordination. Relevant government departments at the national industrial policy, based on the combined actual economic development in our province, Yunnan Province, to further refine the specific industrial policy, to reduce bank lending policy risks that may exist; banks in the process of implementation of the national industrial policy should In the concrete analysis of concrete and prudent treatment principle, by focusing on supporting local enterprises,[link widoczny dla zalogowanych], industrialization leading enterprises and special industries, effectively prevent credit risks in the same time, efforts to promote local economic development.
(b) to further enhance service quality and service levels. Banks should extend financial services to enterprises, financial services and corporate finance will be combined to carry out credit to enterprises through policy advocacy, financial product recommendation, financing program design, financial standards and financial management consulting activities, providing more advanced financial services. Meanwhile, to further strengthen communication and liaison with the business, take the initiative in tracking service, listened carefully to feedback from businesses, in product innovation, credit management, business process, examination and approval authority, network settings, etc. in a timely manner to improve, in an effort to adapt to different enterprises industry characteristics and the different stages of development of financial services required to achieve the common development of banks and enterprises.
(c) to guide enterprises to improve quality. Government, agencies and the banks to the enterprise through a variety of ways to strengthen the guidance, so that comply with the relevant state industrial policies, major decisions to reduce errors; help them establish a sound accounting system, preparation of financial statements accurately; to guide them in strengthening bank loans on capital flows and management, improve efficiency in the use of funds to ensure that credit funds earmarked.
(d) make loans to the implementation of enterprise reporting. Provincial Economic Commission and the Central Branch of Kunming, the People's Bank reported participating companies will be speed up the loan approval progress, to meet the loan conditions of the corporate loans as soon as possible, strive for early input, see the benefits early.
(e) implementation of the cooperation between banks and special funding for the work. Joint Office of the province since the establishment of bank-enterprise cooperation, held three meetings, organized a number of government-enterprise cooperation activities of silver, expenses are provincial Economic Commission, the People's Bank branch in Kunming center two sharing. In order to ensure effective cooperation between government and enterprises silver
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