The economy is the body and finance is the blood. Strengthening the real economy and promoting the high-quality development of the manufacturing industry are always inseparable from the water of financial "living water". In the land of southern Guangdong, small and medium-sized enterprises working hard in all links of the manufacturing industry chain have made a significant contribution to high-quality economic development.
In recent years, "hard technology" has begun to rise. A large number of industry-leading small, medium and micro enterprises, represented by " specialized special new " enterprises, have emerged like a spurt. They have launched a comprehensive attack on key areas such as social commodities that guarantee people's livelihood, hard-to-break hard technologies, and traditional manufacturing for green development and transformation.
Behind the manufacturing companies that are charging forward and overcoming difficulties, they are always inseparable from the silent hard work of bankers, relying on financial services to help companies solve their difficulties. Postal Savings Bank of China Guangdong Branch has contributed financial strength to serve the real economy and benefit small, medium and micro enterprises by carrying forward the professional, precise, high-quality and innovative spirit of financial institutions, and has become a staunch supporter of encouraging enterprise development.
Professional service team helps enterprises take off
Nine Dragons Global (China) Investment Group Co., Ltd. is the headquarters of Nine Dragons Paper Group in mainland China. It mainly produces and sells cardboard, high-strength corrugated core paper and other packaging paper, cultural paper and special paper. It is the largest paper-making enterprise in Asia. In order to provide comprehensive financial services to this leading enterprise, Postal Savings Bank of China Guangdong Branch established a professional service team to organize professional forces to clear financial congestion points for enterprises in an all-round way.
In addition to providing traditional credit financing for enterprises, Postal Savings Bank Guangdong Branch has customized financial optimization solutions around all aspects of enterprise production and operation, and has carried out extensive cooperation with enterprises in aspects such as international settlement, bank-enterprise direct connection, and bill discount . It provides enterprises with a package of financial services such as
, consulting, investment, and financial management. So far, the company has achieved real-time collection of sales receipts from its production bases through the bank-enterprise direct connection service provided by Postal Savings Bank Guangdong Branch, further optimizing the company's internal financial management. The services provided byto Nine Dragons Global (China) Investment Group Co., Ltd. are just a typical example of the professional financial services team of Postal Savings Bank Guangdong Branch promoting high-quality development of the manufacturing industry. Faced with the new situation of economic development in recent years, efforts to cultivate "specialized, specialized and innovative" enterprises have risen to a strategic level to promote the construction of a manufacturing power and promote the industry to move towards the mid-to-high end. The Postal Savings Bank of China Guangdong Branch has formed a professional inclusive finance team to better serve the financial service needs of "specialized, special and new" enterprises, comprehensively sort out the list of specialized, special new, small giants, and individual champion companies within its jurisdiction, carry out special training, fully communicate and solve the credit policy and grasp the scale through joint communication meetings and green channel mechanisms, and provide high-quality exclusive financial services to "specialized, special and new" enterprises through a professional team. As of the end of September, the Postal Savings Bank Guangdong Branch had more than 2,100 existing loan customers for its "Specialized, Specialized, New" and Science and Technology Customer Group , and the loan balance exceeded 12 billion yuan.
Special discounts, special offers, special offers to help enterprises relieve difficulties
In 2022, some small and medium-sized enterprises will face problems such as labor difficulties, financial constraints, and production and sales obstructions. Postal Savings Bank Guangdong Branch actively helps enterprises to bail out through preferential, express, and premium credit policies, continues to provide financial support and services, and strives to clear up blockages in the industrial chain and supply chain, making every effort to ensure the smooth operation of the industrial chain and supply chain, and promote the stable operation and development of the economy.
Since March 2022, in order to help business owners tide over the difficulties, Postal Savings Bank Guangdong Branch has launched a special campaign to visit parks in Guangdong Province, arranging dedicated personnel to visit parks and visit enterprises, increase the supply of financial services, and help smooth the circulation of industrial and supply chains.
Zhaoqing Deqing Industrial Transfer Industrial Park is a cluster of industries such as machinery manufacturing and fan manufacturing. In February 2022, the Guangdong Zhaoqing Branch of the Postal Savings Bank of China issued a 28 million yuan working capital loan to Detong Co., Ltd. in the industrial park. With the core enterprise as the fulcrum, it proactively designed a comprehensive financing plan for the upstream and downstream industrial chain and supply chain enterprises, and provided a package of comprehensive financial services.As of October 2022, the Guangdong Zhaoqing Branch of the Postal Savings Bank has provided financial services to 7 upstream and downstream corporate customers of Detong, with a credit investment of more than 21 million yuan, and a credit amount of nearly 500 million yuan for the entire industrial park. It has achieved a point-to-point chain and a chain-to-area approach, effectively ensuring the stability and smoothness of the industrial chain and supply chain.
The Postal Savings Bank Guangdong Branch proactively launched the no-repayment loan service for small and medium-sized enterprises with short-term business turnover difficulties and repayment pressure, which solved the company's on-loan funding problem and effectively guaranteed the stability and continuity of business operations. As of the end of September 2022, the bank's small business loan renewal business balance without principal repayment exceeded 6 billion yuan, with a net increase of more than 1.5 billion yuan this year.
In order to continue to implement the policy requirements of inclusive finance to "reduce fees and benefit" for small and micro enterprises, Postal Savings Bank Guangdong Branch based on its own characteristics, strives to keep the service price for small and micro enterprises "better than the market and beneficial to the real", and overcome the "expensive financing" dilemma of small and micro enterprises. As of the end of September, the interest rate of new inclusive small and micro loans issued by the bank this year has dropped by 25 BP compared with 2021.
The account manager of Postal Savings Bank Guangdong Branch visited the company's production workshop to understand the business situation. Photo courtesy of Guangdong Branch of Postal Savings Bank
Innovative Financial products Help enterprises overcome difficulties
How can scientific and technological achievements be transformed into momentum for corporate development? How to transform intangible "intellectual property" into valuable "assets"? In order to solve the financial problems that plague the development of science and technology innovation enterprises, the inclusive finance team of Postal Savings Bank Guangdong Branch actively works on the front lines of science and technology innovation enterprises, deeply understands the financing difficulties faced by science and technology innovation enterprises in their innovation and development, and helps science and technology innovation enterprises transform intellectual property rights into financial sources for sustainable development.
Guangdong Yachengde Industrial Co., Ltd. has developed rapidly due to the intellectual property pledge financing loan product innovatively developed by Postal Savings Bank Guangdong Branch for scientific and technological enterprises. The company mainly develops, produces and sells mid-to-high-end daily ceramic products, and currently has 33 patents. During the communication process between the Postal Savings Bank account manager and the person in charge of the company, he learned that the company has the need to expand its production scale, but due to the constraints of being a light enterprise, there is less collateral that can be used as collateral. After comprehensively understanding the company's advantages in the invention patent , Postal Savings Bank Chaozhou Branch quickly matched innovative products for the company, and used the guarantee method of invention patent pledge to successfully provide the company with 4 million yuan in loan funds, truly turning intangible assets into valuable assets, and solving the company's urgent needs.
Intellectual Property Pledge Financing Loan is a typical example of Postal Savings Bank Guangdong Branch innovatively developing financial products based on industry characteristics and corporate advantages to help companies overcome financing difficulties. In addition, the Guangdong Branch of the Postal Savings Bank of China has unclogged financial congestion points in various industries and developed innovative financial products to address the financial difficulties faced by different enterprises. In order to solve the needs of enterprises in business districts, professional markets and other business agglomeration areas for efficient and high-turnover funds, Postal Savings Bank Guangdong Branch focused on optimizing business processes and launched the "Quick Loan" product for efficient lending. As of the end of September, the bank's small business quick loan balance was nearly 6 billion yuan, meeting the "short-term, frequent and fast" financing needs of enterprises. Combining Guangdong's abundant water resources and vast sea area, Postal Savings Bank Guangdong Branch independently develops loan businesses such as small hydropower, Nansha and offshore fishing vessel under construction mortgages. As of the end of September, the bank's hydropower loans, Nansha production fishing vessel mortgage loans, and fishing vessel mortgage loan balances exceeded 600 million yuan, contributing financial strength to accelerating the marine revitalization strategy. At present, Postal Savings Bank Guangdong Branch has formed an inclusive financial product system with a total of 42 special products, with "Quick Loan" as its key product, supplemented by industry-specific products such as water and electricity loans.
stands at a new starting point and marches towards a new journey. Postal Savings Bank Guangdong Branch will resolutely implement the central government’s major decisions and arrangements and the relevant requirements of the provincial party committee, provincial government and regulatory authorities at all levels, and will unswervingly deepen transformation and development, improve management levels, and optimize customer experience. Fulfill the social responsibility of a large state-owned bank, actively implement national strategies, support the construction of China's modern economic system, and contribute financial strength to serve the real economy and promote the high-quality development of the manufacturing industry with high morale and full enthusiasm.
Focus on
precise credit delivery to help enterprises develop in the "chain"
Guangzhou Jinghai Electronic Technology Co., Ltd. is a downstream enterprise of Digital China Group Co., Ltd. (hereinafter referred to as " Digital China "). The enterprise was established in 2009 and mainly engages in communication equipment , electronic product sales, etc. The inclusive finance team of Postal Savings Bank Guangdong Branch learned through the company's upstream core company Digital China that the company planned to expand its business scale and may have a funding gap. It immediately arranged for an experienced account manager to get in touch with the customer and guide the customer through the online credit product "Small and micro easy loan -industrial e-loan". completed a corporate credit extension of 1.5 million yuan in just 3 days.
Postal Savings Bank of China Guangdong Branch provides precise credit extension to inclusive small and micro enterprises. In 2022, it will focus on building the core credit product "Small and Micro Easy Loan-Industrial E-Loan" . This product uses the admitted core enterprises as the link points, opens up their upstream suppliers and downstream dealer channels, and connects the points to form a chain. Based on the transaction data, credit data, settlement methods and other factors of the core enterprises and their upstream and downstream enterprises, combined with the Postal Savings Bank's online customized approval model, it accurately and efficiently provides credit financing for upstream and downstream enterprises in the industrial chain. In addition, the bank also actively carries out large-scale visits to small and micro enterprises, integrates "auxiliary" data on business operations such as corporate taxes, invoices, and electricity bills, and vigorously promotes big data products such as Tax Loan Tong, Diandai Tong, and Small and Micro Easy Loans to accurately solve the financing problems of small and micro enterprises. As of the end of September 2022, the cumulative loans of Shuidaitong, Diandaitong and Small and Micro Yidai (online + offline) have exceeded 27 billion yuan.
[Written] Zhou Meilin
[Author] Zhou Meilin
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