"Financial reform in Shenzhen do a lot of exploration, with a market-oriented, technology first test method in the financial boost real economy, bringing the country to a very good experience and learning mode." November 21, the South reported on "financial services entity to create value credit" financial Summit 2019 industry Shenzhen media Group sponsored by the State Council development Research Center deputy director of finance Chen Daofu representation.
Live financial, economic activity; financial stability, economic stability. Which lasted more than five-month investigation, the Nanfang Daily investigation team visited after the formation of financial institutions, business entities, financial technology companies, "Shenzhen financial support the real economy research report" released in 2019 on the Shenzhen financial summit. The report shows that the financial support the real economy in Shenzhen energized, product innovation, science and technology are at the forefront of the country.
Secretary of local Financial Supervisory Authority of Shenzhen Hodgkin said that Shenzhen to ensure the financial security under the premise of further improving the financial industry serve the real economy work, "Shenzhen will force more accurate in terms of '+ financial entities', the focus of Medium and Small micro enterprises 'financing difficulties, financing your' issues, and guide financial resources to irrigate the real economy. "
A billion credit mechanism innovation to help families start-ups
"With the future Kechuang center, before many loan companies now can not be borrowed, such as Union Brother, before we can credit a few million dollars, we can now provide a billion credit support." Commercial Bank of China Branch enterprise financial services Center, responsible person.
In the original context of the banking system can not service the asset-light companies Branch, 2018, Industrial and Commercial Bank through institutional innovation, the establishment of accurate service franchise organizations Private Branch enterprises. Founded just over one year and Commercial Bank Branch Center Branch corporate investment and financing amount has been over ten billion yuan.
In the banking sector, the major mechanism for the banking system from the start, breaking the "not-prime" status quo, to explore the path of service entities. 2019, China Construction Bank, Shenzhen Branch and government institutions, well-known venture capital, and other core enterprise cooperation to build "entrepreneurs harbor" platform, as of October 31, over 480 enterprises into the bay, where the four into corporate stock option agreement signed.
As a local financial institution, SRCB roots in the first-line market, take the initiative to strengthen product development, the initiative to strengthen industry research, quickly understand the needs of small and medium micro enterprises, to design a flexible loan products; in the security industry, Shenzhen High-tech investment and innovation "bail-out Freemasonry Shenzhen model "has been emulated across the country learn from.
Technology enabling small and micro businesses wholesale services made possible
Solve the financing problem by thinking of the Internet, the C-terminus of the B-side client, like customer service as personal service of small micro-enterprise customers, Shenzhen Ping An Bank, local banks make the bulk services to SMEs as possible. The bank inclusive finance division co-president and general manager of platform and industry Finance Li Yue introduction:. "Digital service enabling mass needs we continue to increase investment in science and technology, Pratt & Whitney in the financial sector, the number of science and technology team is business team 2 times; we have invested nearly five times the business team of five funds to enhance scientific and technological innovation ability, namely AI, big data, block chain, networking and cloud computing. "
Another local bank to explore China Merchants Bank in Shenzhen in the field of science and technology is relatively early. In 2013, China Merchants Bank, Shenzhen Branch launched "Little Loan", get rid of collateral, by business tax, export tax rebates, clearing water, supply and marketing intermediation and other dimensions of data to create a model for companies to do the quasi-credit financing. General Manager of the bank's retail credit department Dong Longsheng, as of now, "Little Loan" only out of a single 200 million of non-performing loans.
In addition to the Shenzhen local bank, the pace of state-owned banks finance exploration technology is also accelerating. The end of March, Shenzhen Agricultural Bank of small micro-credit product development focus, full use of technological means, interactive on-line tax silver small micro-enterprise financing products - the "e tax credit." Customers can apply online after the system is approved, loans with borrowed as also the amount of up to 300 million yuan. As of the end of August this year, more than 5,000 households to obtain financing to support small and micro enterprises, corporate finance worth more than 3.0 billion.
"In the exploration of science and technology in the field of finance and Shenzhen have the opportunity to walk in the forefront of the country." After watching the 54 cases of financial support the real economy of Shenzhen, Shenzhen Nantes business school dean, Shenzhen University, Zhang Kai endless emotion: "Now the Shenzhen financial institutions It is not a simple financial + technology, but artificial intelligence, big data, block chain, cloud computing applied to all aspects of finance, corporate finance problems to crack significant. "
Cutting-edge perspective on the industry to explore the mode of experience
Explore the field of science and technology in Shenzhen in the financial perspective for the latest cutting-edge crack the small micro-enterprise financing problems, on national financial institutions have reference.
2014 was the establishment of micro-credit science and technology enterprise tax and the public service has been extended to the whole country. The company created a large credit data model to help small and micro enterprise financing rate increased by more than 50% of the overdue rate was reduced by 30%. At present, 190 financial institutions use the company's services, benefiting over 6.5 million small and medium micro enterprises, cooperative lending institutions accumulated over 290 billion yuan. "Open government data banks and financial initiatives to enhance scientific and technological progress combine, will accelerate the promotion of inclusive financial development, we believe adhere to technology-driven, will drive users to maximize the value and maximize the value of the credit." Micro Focus tax and chairman Zhao Yanhui Say.
"Micro Focus tax and found a pattern can be copied, the" China (Shenzhen) Development Institute Director of the Institute of Finance and evaluation of modern industrial Guo-Hong Liu, "This model not only can be copied to more banks, but also is copied to other scenes, it provides a possibility to explore other financial institutions. "
Ping An Bank for the industry model to solve the financing problem also has a strong replicability. Li Yue introduction, Ping An Bank for Industry characteristics of each key industries, specially designed assessment model for different sectors of the industry chain or ecological viability. "At present, we have built on a distributed photovoltaic, pharmaceutical and retail, security monitoring industry, logistics industry and other industries in the data model." Li Yue in view, this attempt to Ping An Bank, if successful, can be extended to the whole industry, will help solve the problem of financing the real economy.
Seize the opportunity and financial support to the real economy, "Shenzhen model" for the country and the province to promote inclusive financial sectors to provide new experiences and make new contributions. South University of Technology leader Professor He Jia said:. "In solving the problems of corporate finance, financial institutions to explore the experience of Shenzhen in the country has originality, leadership, a strong replicability replicability"
Nanfang Daily reporter Wang Chunyan trainee
reporter Qu Quang Ninh Dai Xiaoxiao
