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In response to the "weakness" of small and medium-sized enterprises generally lacking traditional collateral such as land and houses, Dongguan Rural Commercial Bank has innovatively developed a new model for mortgage loans such as equipment, trademarks, and patent rights, effectively solving the problem of small and medium-sized enterprises. Solve corporate loan problems and help small and medium-sized enterprises transform and upgrade.

In the past 16 years, Dongguan Rural Commercial Bank has invested a total of 290 billion yuan in credit funds, of which more than 160 billion yuan has been invested in small and medium-sized enterprises. The credit funds supporting small and medium-sized enterprises and private enterprises account for more than 50% of the newly released credit funds in that year. .

In 2011, the net new loans issued to support small and medium-sized enterprises exceeded 7.3 billion yuan, accounting for 27.95% of the new loans to small and medium-sized enterprises in Dongguan City. From January to June 2012, the balance of loans to small, medium and micro enterprises was 44.906 billion yuan, an increase of 3.2 billion yuan from the beginning of the year.

As of the end of 2011, the balance of machinery and equipment mortgage loans of Dongguan Rural Commercial Bank was 810 million yuan, successfully supporting a group of 117 small and medium-sized enterprises like Dongguan Yongjiasheng Knitting to alleviate financing difficulties and implement transformation and upgrading.

Extended information:

Zhu Xiaowei, vice president of Dongguan Rural Commercial Bank, said that as an important manufacturing base in my country that started with "three to one supplement", Dongguan is home to foreign and private enterprises. Most of the factories, land, etc. used are leased, and there are common problems such as insufficient traditional collateral. To this end, Dongguan Rural Commercial Bank continues to innovate its loan service model and has become the bank that supports small and medium-sized enterprises the most in Dongguan City.

According to the survey, equipment is the main investment area of ??many enterprises in Dongguan. To this end, Dongguan Rural Commercial Bank has specially developed mortgage loans for specific machinery and equipment for enterprises, such as woolen computer machines, CNC machine tools, injection molding machines, etc., driving a group of small and medium-sized enterprises to implement equipment updates and technological transformation.

People's Daily Online-Dongguan Rural Commercial Bank: Innovating the mortgage model? Helping small and medium-sized enterprises to upgrade their loans