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The First National "Online Guarantee" Settled In Wenzhou

2011/4/11 16:41:00 38

Bank loans are tight and loans are difficult. This is a common problem faced by many small and medium-sized enterprises.

The Wenzhou economic and Trade Commission revealed that the 3 Party of ZTE, Zhejiang provincial branch and the global network had signed a comprehensive strategic cooperation agreement on 10, and ZTE guarantee received 1 billion 220 million yuan credit, and the "quick loan" online credit business was carried out for small and medium-sized enterprises in the province.

In the future, there are

loan

Small and medium-sized businesses that need them do not need collateral, do not run the bank, and simply click on the mouse to get the maximum amount of 27 million yuan credit guarantee loan.

Zhejiang ZTE guarantee is the first batch of Wenzhou, the first guarantee organization to get involved in online credit business in Wenzhou. It is the Guarantee Corporation of the first guarantee group in Zhejiang, Zhongan guarantee group of Zhejiang.

The "fast loan" online credit business is the innovative product of network loan developed jointly by CCB Zhejiang branch, global network and Zhongxing Guarantee Corporation.

This innovation is mainly reflected in its first introduction of network loans to guarantee institutions, allowing unsecured small and medium enterprises to obtain credit guarantee loans.

At the same time, the amount of credit business does not account for the size of local banks. It is a specialized loan business.

At present, ZTE Guarantee Corporation has handled the first network guarantee business in China.

A clothing company in Wenzhou economic and Technological Development Zone is in urgent need of circulating capital of 10 million yuan to expand its production scale. However, it has been unable to solve the financing problem because it has been mortgaged by factories and so on.

Later, through the application of "fast loan" online credit business, from loan to loan, only half a month was spent, and 10 million yuan of working capital loans was obtained.

Tan Jianguo, chairman of China Security Assurance Group, said that the whole process of loan to loan was successful, and customers could stay away from home.

Zhong An guarantee group should promote this business in all Zhejiang Province, and at the same time prepare to increase capital to obtain more loan credit.

In 2010, the China security group completed more than 800 SME financing guarantee businesses with a loan amount exceeding 600 million yuan.

Tan Jianguo said that after increasing the online loan business this year, he is confident that the loan amount will be 2 billion yuan.

Wenzhou City

Economy and trade

Deputy director of the board, Mr. Yu Sen, said that the introduction of guarantee institutions by bank network lending business has not yet had precedent in other parts of the country. This is a three win innovation mode, breaking through the bottleneck of traditional SMEs credit business, and using information technology and

network

The platform can effectively improve efficiency, reduce costs and control risks, which not only helps alleviate the financing difficulties of many small and medium enterprises, but also helps banks to open up new development space.

For the guarantee industry, this is to change the past information asymmetry situation, docking more small and medium-sized enterprises, so as to achieve standardization and scale development.