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一直以来,小微企业融资难、融资贵的问题备受政府和社会关注,其中强担保的要求卡住很多企业的融资渠道,也成为制约中小企业发展的瓶颈。不过,对于山西的中小企业来说,这一瓶颈正在被悄然打破,而打破瓶颈的就是渤海银行太原分行在2016年底针对中小企业推出的一项创新业务——信保贷。与传统授信业务不同,该产品免除了对中小企业贷款的强担保要求,除了对土地、车辆、设备等有形设备进行抵押,还对一些看不见摸不着但确确实实有价值的内容进行估值,包
All along, the problems of small and micro-sized enterprises in financing and financing are very much concerned by the government and the society. Among them, the requirement of strong guarantee seize the financing channels of many enterprises and become the bottleneck restricting the development of small and medium-sized enterprises. However, for SMEs in Shanxi, this bottleneck is being quietly broken, and the bottleneck is Bohai Bank branch in Taiyuan in late 2016 for SMEs launched an innovative business - Credit Insurance Credit. Unlike traditional credit lines, this product dispenses with a strong guarantee requirement for SME loans. In addition to securing physical equipment such as land, vehicles and equipment, it also evaluates some invisible but truly valuable content ,package