1. Customer name: Jilin Honghe Rice Industry Co., Ltd.

2. Main business: grain and rice purchase, processing and sales and by-product distribution, and its products are positioned in the middle and high end.

3. Brand: Jiuxiang Herun and Jiaqingyu.

fourth, sales area: Yunnan, Guizhou, Sichuan, Shanghai, Fujian, Jiangsu, Zhejiang, Changchun and other places.

5. Financing demand: Jilin Honghe Rice Industry Co., Ltd. has been developing with the stable wholesale customers in the domestic market for many years. Due to the fierce market competition in recent years, the quality requirements of goods have been improved year by year, so it is necessary to update and transform the production equipment, which has had a certain impact on the production liquidity. The company's capital turnover is 1 /2 weeks, and the settlement method is to deliver the goods first and then pay back the money, so there is a funding gap of 3 million yuan. Therefore, the applicant will help coordinate and solve the loan of 3 million yuan for the company's working capital turnover.

VI. Customer conditions: Lack of effective collateral is the biggest bottleneck hindering the company's loan. It is precisely because of this bottleneck that the company's loan application was rejected by many banks.

VII. Practice:

(1) Tailor-made financing plan. With sales of 8 million yuan, profit rate of 5%, fixed purchasing channels, fixed sales channels, fixed payment cycle, inherent consumer groups and mature management mode, the business risk is relatively small. If there is appropriate collateral, then Honghe Rice Industry Co., Ltd. is definitely a credit customer for small and micro enterprises that many banks compete for.

in view of the financing difficulty of enterprises lacking effective guarantee methods, the Chamber of Commerce and the bank adopted the methods of relying on the cash flow of enterprises, closing the sales repayment path of enterprises, mortgaging movable property and taking the enterprise fund of the Chamber of Commerce as guarantee to prevent and control risks, and granted the enterprise a credit of 3 million yuan after reasonable calculation of the repayment ability and capital demand of enterprises.

(II) Analysis of Highlights

Normal operation, good reputation and effective guarantee have always been the main prerequisites for banks to issue loans to enterprises. Among the 3 million yuan small and micro enterprise loans issued by Hong Xiang Hemei Industry Co., Ltd., it is precisely the enterprise fund guarantee of the Chamber of Commerce that has played a decisive role.

however, the loan products for small and micro enterprises issued by the cooperative banks with the Chamber of Commerce do not need mortgage and evaluation. By investigating the business history, credibility and sustainable development ability of the enterprise, especially by focusing on the assessment of the cash flow from the sales of the enterprise as the first repayment source, the purpose of risk control is achieved, which effectively solves the problems of loan difficulty and guarantee difficulty in engaging in small and micro enterprises, and saves the expenses of evaluation, insurance, mortgage registration and other procedures for enterprises, saving time.

(III) Enterprise changes

After obtaining a loan of 3 million yuan, Honghe Rice Industry Co., Ltd. invested all its funds in expanding the market and improving the quality and quantity of goods, which ensured the smooth implementation of the overall business plan of the enterprise, increased the company's turnover and profits, and at the same time increased 15 jobs, which significantly improved its competitiveness. According to the person in charge of the company, a loan of 3 million yuan can increase the sales flow of the company by 6 million yuan to 7 million yuan a year.

VIII. Case comments: The enterprise fund-guaranteed loan of dehui city Planting and Distribution Industry Chamber of Commerce was born in early 212. It is a new product of small and micro enterprise loan specially designed by Minsheng Bank for enterprises with high-quality planting and distribution industry chain. All enterprises applying for this kind of loan only need to provide the relevant materials of enterprises and legal persons to the Chamber of Commerce and the lending bank, which will be guaranteed by the enterprise fund of the Chamber of Commerce, and the settlement account will be established in the lending bank to ensure the return of sales. Financing support can be obtained by closed operation of funds. Loans do not need mortgage and guarantee in the traditional sense, but only depend on the borrower's real transactions, real asset status, real credit status and business continuity as the premise of loan issuance.