The global economic freeze, spring prices how to start the second pioneering aircraft carrier, the funds into key elements. How to combine the characteristics of enterprises to introduce more professional and more close to financial products, various financial institutions are the "Eight Immortals, recount, began to try to take the road of market segmentation.

Prior to Bank of China, Agricultural Bank and other banks will launch a special financial products tailored for the Quanzhou tea industry, shoes and apparel industry and import and export enterprises. Recently, Minsheng Bank will also be settled in the head office level, "Stone Financial Division Nanan, It is the division of the seven market segments, the bank was established.

Industry evaluation of market segments will give rise to financial industry experts, has a positive significance to industrial customers for financial institutions, deep plowing, and help business transformation and upgrading.

Private enterprises climbing in urgent need of financial aid

Money! Money! "The Nan'an a large stone enterprise person in charge of Mr. Wang said his company this year to Shanxi acquisition of several small and medium-sized mines, but multi-party financing gap still exists after already going to give up one to twelve. Yesterday morning, the financial institutions to set up a stone the message of the Financial Division, has attracted the eyes of the Lord of the Nanan stone enterprise, including Mr. Wang.

SME financing has become the current consensus. In June last year, the CBRC issued the "notice" on the support of the commercial banks to further improve the small business financial services, the introduction of 10 measures, differentiated regulatory and incentive policies to support the commercial banks to increase credit support for small businesses. In early November last year, Quanzhou, introduced ten measures on the the Quanzhou banking sector to support small and micro-enterprise development, to encourage commercial banks to increase credit support for small businesses.

Quanzhou is in climbing over Hom, change to enhance the critical period, require financial institutions to give greater support and help. The banking sector, increase efforts to support small and micro enterprises, not only to safeguard the smooth operation of the local economy and the financial stability of their duties, but also changes in an important way of self-development. Mid-May, the Banking Bureau of Fujian financial support Quanzhou real economy will advance held in Quanzhou, to mobilize all financial institutions to actively support the Quanzhou entities and economic development.

30 billion to help stone prices of industrial upgrading

Nanan existing stone more than 1,500 enterprises, stone production accounts for 50%, and stone products market share of 70 percent of the country. In recent years, Nanan stone industry continue to grow and develop, has formed the largest stone industry cluster, and the stone industry of world-class manufacturing base and distribution center forward.

Industrial development at the same time, Nan Stone is also facing difficulties, and low-carbon pressure, environmental requirements, policy adjustments and other factors require the industry to achieve industrial upgrading as soon as possible. Enterprises to transformation and upgrading, the introduction of advanced technology and equipment, extending the mine at home and abroad, need to integrate existing marketing channels, which are in need of funding support.

Total regularity of the stone business, in addition to investment in fixed assets, the majority of funds are invested in the purchase of the blocks, stone large amount of money per unit weight, slow mobility, lack of liquidity, this time there are new investment projects, often need to address the financing needs through loans. Traditional practices, stone and other inventory can not become the collateral, which directly limit the financing channels of the stone business. In the stone industry, stone raw materials and semi-finished products occupied the enterprise a lot of money, If companies can not make an inventory of the operation is difficult to leapfrog development.

The size of the bank loanable funds decline, the stone industry suffered financial difficulties. "Nanan stone enterprise person in charge of Mr Lee said, stone credit support more eager and urgent. China Minsheng Bank's responsible person, the next three years, they will invest 30 billion yuan, from Nanan Stone Division, radiation boost the national stone industry restructuring and upgrading.

Banks must dealmaker experts

Quanzhou Branch of Minsheng Bank Deputy Governor Xu Hong diagram view, the stone industry, finance, should focus on the development of financial services for the whole industry chain.

According to reports, the stone industry chain, including mining, trading blocks, the processing of raw materials, finished products sales links, a large number of industry profits and capital gathered in the mining, sale, traditional bank lending services for the enterprises of the processing part of the upstream and downstream ends put into a very small space to do the specialized financial development is very broad. Stone industry focus of the Financial Division of the agency will be caught mine source, purchased outside the mine to provide financial support for the miners to the territory, and thus blocks the procurement price advantage; involved in the key mining investment to obtain the mining investment opportunities .

The next three years, the financial institution will focus around two key aspects of the mine, the sales (work orders, market and professional market sales channels), brokered by work orders, new mines, promotion of innovative ways, and gradually become the stone industry in the financial sector stone mining and financial experts, stone dealmaker experts. "

In this regard, by Nanan Stone Industry Association executive vice president Huang Ming said: "We are currently set up a team of consultants, and carefully study how to make good use of various financial products, in order to serve more stone counterparts."