Qianjiang Evening News·Hours News Reporter Chen Ye Correspondent Chen Meitong King of
On October 19The Qianjiang Evening News 13th edition
From a small stall to a small shop, from a machine to a park, from a computer to a starry sea. Over the past ten years, China's private economy has illuminated the times with starlight and created countless historic highlights.
Since last month, we have joined hands with China Minsheng Bank Hangzhou Branch to launch a series of reports on "Ten Years of Accompanying Small and Micro Friends". In the past decade, there have been too many ups and downs. The development is inseparable from financial empowerment, and the company and support between banks and enterprises have made Zhejiang's model more beautiful.
Banks and micro entrepreneurs tell the second chapter of their growth story together, let’s take a look together.
The first pot of gold for entrepreneurship
witnessed the speed of people's livelihood
"Thirteen years, like a blink of an eye." When receiving the medal and thank you from Minsheng Bank , Mr. Hong said with emotion.
As a construction industry project manager, Mr. Hong has been engaged in the industry for more than 30 years.
In 2009, Mr. Hong, who was seeking the recovery of enterprises and individuals, applied for a mortgage loan from Minsheng Bank due to insufficient working capital. Although the amount of funds applied for is large, after repeated communication with Minsheng Bank, the loan was quickly distributed to Mr. Hong.
As a result, Mr. Hong obtained the funds to "bury the foundation" and took the first step in construction contracting.
"For so many years, other banks have come to me, but I have been unmoved. Minsheng Bank is an old friend, so there is no way to make this trust!" Mr. Hong said with a smile.
Building Materials Market Mr. Xia also had a similar experience.
Mr. Xia told reporters that there is a heartwarming little detail that he has never forgotten for many years. "Two years ago, because I had to go to the next city to negotiate the second store, I was so busy that I couldn't get out of the way to go to the outlet to get a loan. Minsheng Bank learned about my situation, and the relevant personnel immediately came to me with the materials to help me handle it. They actually paid the loan for me on the third day! At that time, I felt that they were so considerate and very touched. I have always trusted people's livelihood for many years."
This trust is made up of the service that has been caring for time and time. The relationship between banks and entrepreneurs has also been sublimated from a "customer" relationship to a "favorite friend" relationship.
allows " No repayment loan renewal "
to solve the urgent needs of enterprises
In the various relief policies issued by financial institutions since 2020, No repayment loan renewal has become a "timely rain" for many companies. Over the past two years, many companies have survived the most difficult moments because of it and ushered in the dawn of continued development.
Minsheng Bank solves the financial problems for customers through the newly issued single loan payment. What is more convenient is that customers can directly use the online "self-service transfer" service and can apply on their mobile phones without leaving home. After bank approval, they will sign and lend money by themselves. During the epidemic, renewal of loans without repayment has become a relief tool and provides favorable support for enterprises to overcome difficulties.
In October last year, Ms. Zhao, a car dealer in Hangzhou, had a shortage of funds for purchases. At the same time, the 2 million loan she applied for at Minsheng Bank the year before was facing repayment due to maturity. For this reason, she frowned.
After learning about the situation, Manager Wu of Minsheng Bank quickly drove to Shangcheng District and helped Ms. Zhao apply for a "no repayment loan" on her mobile phone. After that, Ms. Zhao was able to repay the principal of 2 million yuan in one year, but also enjoyed the 0.3% interest rate cut discount obtained by the account manager for his old friend.
"Minsheng account manager is diligent and efficient. I have been interested in people's livelihood for ten years, and I never regret it." This "timely rain" made Ms. Zhao feel as comfortable as a rain.
Since then, Ms. Zhao has a lot of trust in Manager Wu, and she recommended the two clients she connected with when she was working to Minsheng Bank. Because of understanding, because of trust, we choose, and we are firm.
is always flowing with me, and there is always understanding. How can this warmth be made not love to customers?
Innovative polishing and relief tools
Think about what you want and what you are anxious about
Technology empowerment is not just to renew loan .
At present, Minsheng Bank Hangzhou Branch is constantly improving its financial technology capabilities, actively developing Pad mobile operations and mobile phone small and micro treasure operation tools, supporting account managers to complete pre-loan investigations and information collection on-site, and realize loan applications anytime and anywhere.
At the same time, Minsheng Bank Hangzhou Branch is also closely following customers in product innovation and has created a series of online products.
Minsheng Bank has innovatively launched the "Minsheng e-chain" series of products. On the basis of fully grasping the information of enterprises' "capital flow, information flow, and transaction flow", it innovates a risk control model based on big data to extend financial vitality from core enterprises to upstream and downstream. Up to now, the bank has developed a total of 451 chain financing customers, with 116 new customers from the beginning of the year, and the annual supply chain business investment reached 7.9 billion yuan.
Product innovation, process reengineering, fee reduction and concession, green channels, special policy arrangements, etc., each of which is related to the long-term development of market entities. Every innovation of Minsheng Bank strives to contribute to stabilizing the economy.
Maybe at first I just wanted to chase a dream, but as I walked, one's dream lit up the direction of a group of people. In the future, China Minsheng Bank will continue to implement the original mission of "serving the public and caring for people's livelihood", take technology as the engine and finance as the driving force, and together with trillions of small and micro enterprises, light up every hope of "bringing the future".
"In the next ten years, we will go better together!" This sentence comes from Minsheng Bank's extremely sincere "voice". Old friend, have you heard it?
This article is an original work of Qianjiang Evening News. Reproduction, copying, excerpting, rewriting, and online dissemination are prohibited without permission. Otherwise, this newspaper will pursue legal liability for the infringer through judicial channels.
