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Xi Jinping emphasized at the private enterprise symposium: “In building a moderately prosperous society in an all-round way、On the new journey of comprehensively building a modern socialist country，Our country’s private economy can only grow、Cannot be weakened，And to move towards a broader stage。”Reporter learned，In supporting the development of private enterprises，Opening of the first five pilot private banks，Contributed huge energy。Building a smart supply chain、Take multiple measures to coordinate investment and lending，Solved the financing pain points of small and micro enterprises，Promote the development of private small and micro enterprises。

- Investment and loan linkage - lending nearly 12 billion yuan

“Huarui Bank’s science and technology investment and loan linkage business does not require collateral，And the loan interest rate is low，Business processing efficiency is very high，Resolved my urgent need。" said Zhang Yu, founder of Shanghai Tuogong Robot Co., Ltd.。

Shanghai Tuogong Robot Co., Ltd. is a technology-based start-up private enterprise established only three years ago，is a professional R&D and production provider of UAV flight control systems and UAV solutions，Has strong core technological advantages in manufacturing the “brain” of drones—flight control systems，Leading the world。Currently Tuogong products are extremely influential in the domestic UAV industry，Especially, the market share of civilian drones ranks first。But the company has only been established for a short time，Not yet break even，Difficulty in obtaining traditional credit support。

Considering that private technology start-ups are generally small in scale、Light asset、Research and development、No mortgage, etc. status，Shanghai Huarui Bank not only considers static financial status in project review and customer evaluation of such enterprises，More emphasis on the comprehensive capabilities of the business management team、Feasibility of business model、Value dafabet online betting websiteof core technology、Cash flow creation ability、“Soft” analysis and project evaluation of subsequent equity financing capabilities and other contents，And use it as an important basis for credit analysis and decision-making。Finally，Huarui Bank has determined the investment and loan linkage plan，Providing risk loans to Tuogong Robot，Credit amount RMB 15 million，Interest rate 5.55%。As one of the first batch of pilot banks for investment and loan linkage in the country，Shanghai Huarui Bank actively supports the construction of Shanghai Science and Technology Innovation Center。As of the end of October last year，Shanghai Huarui Bank has carried out substantial cooperation with dozens of outstanding investment institutions，Cumulatively expanded more than 650 customers，More than 90 loan customers，Cumulative lending is nearly 12 billion yuan，All are private enterprises，More than 80% are small and micro enterprises。Service coverage information technology、Biomedical、Ocean Engineering、Many "hard technology" fields such as energy conservation and environmental protection。Currently，Shanghai Huarui Bank’s private enterprise loan balance accounts for two-thirds of all enterprise loans，The number of households accounts for 92% of all corporate loan households。

-Smart supply chain-financing 60 days in advance

In the building materials industry，Because of their strong position, core companies often use credit purchases to trade with upstream companies，The account period can be up to 180 days，Resulting in greater financial pressure on upstream companies。Most of the upstream companies are small and micro enterprises，Light asset management，Unable to provide valid collateral，Difficulty in financing from banks。

Shanghai Suqian Industry and Trade is one of these small and micro enterprises，Under great financial pressure。In order to help the company relieve financial pressure，Promote the sustainable development of main business，Huarui Bank is based on the actual operating conditions of the enterprise and transactions with core enterprises，Approved its unsecured credit line of RMB 5 million，Specially used to handle online supply chain financing business。As of October 31, 2018，Huarui Bank has issued a total of 2.61 million yuan in financing for Suqian Industry and Trade，Injecting funds into relatively disadvantaged small and micro enterprises，Lowered the credit threshold for small and micro enterprises，Effectively solved the "financing difficulty"。

Huarui Bank cooperates with core enterprises in the supply chain，Business contract with small and micro suppliers、Logistics process、Standardize settlement methods，When the supplier directly transports the goods to the location designated by the final buyer according to the contract and the final buyer signs for receipt and confirms the rights，The bank can issue financing to suppliers，Greatly shortened the financing time，Advancing the financing time of small and micro enterprises by an average of 60 days compared with traditional factoring financing，Effectively solves "slow financing"。

-Innovative micro-loan-apply for a loan in 3 minutes

Huang Juhua and her husband started a children’s clothing business on Qipu Road in Shanghai in 2009。In order to broaden sales，She put her physical store on 1688 online，Started wholesale business，This way，She broke through the narrow space of Qipu Road，Expand business nationwide and even the world。

And set foot on the platform of 1688，Give her the opportunity to apply for a credit loan from MYBank, a subsidiary of Ant Financial。She recalled，After buying the shop on Qipu Road，Funds have been very tight，She wants to expand her business in 2015，Ask relatives and friends to borrow money，I found that everyone is investing in real estate，I think the profits in the clothing industry are too thin，Most of them dare not lend it to her。The loan threshold of traditional financial institutions is very high，Requires mortgage guarantee。At this time，Call the customer service on 1688 to tell her，With her qualifications, she can apply for a credit loan from MYbank。She still remembers it clearly，A credit officer came to inspect her store and warehouse，Ask her to provide some simple proof，Three days later，The loan of 200,000 yuan is available。

2016 and 2017，She applied for another 170,000 yuan and 13,000 yuan respectively.50,000 yuan loan，Due to credit record，Her second and third loans，All application operations are completed directly on the computer，Successful loan in a few minutes，These loans further expanded the business。Today，She already has her own factory in Shandong。

It is reported，MYBank has been based on serving small and micro enterprises since its establishment。Innovative micro-loan technology，Customers of MYBank can obtain financial services 24/7 through computers and mobile phones，Achieve loan application in 3 minutes，1 second loan，“310” mode with zero manual intervention in the whole process。

-Weiyedai-Full online 24-hour real-time service

As the first private bank and technology bank to open in China，WeBank officially launched China’s first full online service for small and micro enterprises at the end of 2017、Purely credit-based corporate working capital loan product "Weiye Dai"。

“Micro Industry Loan” takes enterprises as the main loan body，And implement the process、Quota、Expiration、Intelligent pricing。All online、Fully automatic 7*24*365 service，Not restricted by business hours，Customers only need a mobile phone，Follow the official account to apply，Quota approval will be available soon，The convenience and availability of small and micro financing have been significantly improved。In addition，The system will be based on the industry of the enterprise、Operating and Risk Profile，Smart matching of the most appropriate and appropriate amount、term and interest rate，And proactively follow the industry cycle after lending、Proactively make dynamic adjustments to business conditions and loan usage behavior。

Weiyedai is also using AI artificial intelligence for the first time、Blockchain、Big data、Applying cloud computing to business practice，Through Industry and Commerce、Big data in more than 30 categories including taxation，More than 30 categories of derived variables with levels over 100,000 have been established、More than 300 risk control models，Support slave core、After credit is granted、Automated risk management of the entire collection process。45% of micro-industry loan customers belong to manufacturing and high-tech industries，38% belongs to the wholesale and retail industry，All are small and micro enterprises，Credit enterprises employ nearly 1 million people。

Public data display，WeBank、Online Bank、Huarui Bank、The first five pilot private banks, including Jincheng Bank and China Commercial Bank, have begun to enter the profit period，While developing rapidly，Also benefits private small, medium and micro enterprises。

  Source: Oriental Net