Good afternoon, leaders and entrepreneurs:
I am very happy to come to Yuhua and have face-to-face communication with entrepreneurs and friends, and discuss how to inject sustainable financial capital into enterprises through professional financial service channels and realize leap-forward development in the face of great changes in innovative, outstanding and innovative industrial structure during the period of rapid economic development. I would like to thank the Nanjing Federation of Industry and Commerce and the Yuhua District Federation of Industry and Commerce for organizing this event and building a cooperative platform with symmetrical information and smooth communication for improving the social credit system. I also thank the news media for their strong support and participation, and warmly welcome the active participation of enterprises with financing needs.
Organic combination of maintaining growth and promoting transformation? New economic growth? In the era, the primary problem that restricts the development of enterprises is still insufficient funds. Small and medium-sized enterprises often find it difficult to obtain loans directly from banks because of the small scale of enterprises, the difficulty in judging their financial situation, the lack of excellent mortgage assets and the limitations of the credit mechanism of commercial banks, which has added insurmountable obstacles to the development of enterprises. Today, Jiangsu guarantees that Xinxin Group will settle in Yuhua in order to send perfect and intimate financing guarantee services and innovative and convenient financing guarantee products to small and medium-sized enterprises. Through the innovation of financial service mode and measures, we can help enterprises complete the adjustment of industrial structure, improve their operating ability and capital regeneration ability, and realize the leap-forward development of enterprises.
The credit capital market is mixed. Take Nanjing as an example. There are nearly 1 000 Jiangsu guarantee companies in our city, but few of them are recognized by the government, most of them are so-called loan companies. Credit financing? Under the guise of making excuses, charging high commissions and operating usury business. Once enterprises set foot in, they will face huge financing costs and high-risk capital risks. How to choose professional and standardized financing service institutions, entrepreneurs and friends present here must polish their eyes and carefully distinguish between authenticity and falsehood.
Jiangsu Xinxin Group, established in September 2006, is the largest private guarantee institution in Nanjing, and the only guarantee institution in Nanjing that enjoys financial support at national, provincial, municipal and district levels. In 2009, it was rated AA in the credit rating of guarantee institutions of Nanjing Branch of China People's Bank, and ranked among the top ten credit rating institutions in Jiangsu. Over the past three years, Xinxin Group has formed a close cooperative relationship with small and medium-sized enterprises in Yuhua District. According to statistics, in 2009, the group provided nearly 300 million yuan of financing guarantee for nearly 100 enterprises in Yuhua District, among which the financing scale of three enterprises exceeded10 million yuan, and the enterprises with new and new services covered manufacturing, construction, electronic information, software industry and other fields.
In recent years, the economic development of Yuhua District is very rapid, the industrial structure adjustment has achieved remarkable results, and the consumption demand has increased steadily, which is very important for absorbing development resources such as people flow, logistics, capital flow, technology flow and information flow? Magnetic field? ; With the rapid development of high-tech industry and the improvement of modern service industry, the three parks have increasingly become an important support for Yuhua's economy. To promote the industrial transformation and upgrading of the park, first, it is driven by the upgrading of the value chain; second, it is driven by the locomotive of modern service industry; third, it is driven by industrial clusters and characteristic industrial parks; and fourth, it is driven by creating an effective carrier of achievement transformation and a public technology platform. With what? Support small and medium-sized enterprises and assume social responsibilities? As a leading enterprise in the modern financial services industry, Xinxin Group has been exploring and innovating for the financial services industry with novel and unique ideas and perspectives, and has really applied the financing rules flexibly, helping enterprises to turn the reality that they cannot obtain loans from banks into practical financing methods, so that enterprises can obtain loans with the shortest time and the lowest financing cost.
As one of the pillars of Yuhua industry, the software industry's annual sales revenue in 2009 was 654.38+0.4 billion yuan, up 654.38+0.80% year-on-year, ranking first in the city. Although most enterprises have core technologies and invention patents, and the market prospects are promising, it is difficult to apply for bank loans due to the lack of collateral. In order to solve this problem, Xinxin has designed flexible and diverse counter-guarantee measures, turning intangible assets of enterprises into tangible assets, and taking intellectual property rights, trademark rights, patents and personal credit of enterprises as counter-guarantee measures to provide financing guarantees for enterprises.
This innovative measure, which closely combines scientific research achievements with capital and finance, caters to the needs of the vigorous development of scientific and technological enterprises in Yuhua District. For example:? Cost conversion? Financing guarantee: Xinxin provides one-stop meticulous and thoughtful nanny financing service for enterprises, provides zero-fee financing guarantee service for enterprises, converts the guarantee fee into enterprise equity, and repurchases the equity after the enterprise develops and grows, realizing capital appreciation and common development with enterprises. For example, inventory pledge financing guarantee, enterprise ERP system opens a port, which is connected with the network system of Xinxin Group. Xinxin can know the inventory status of enterprises in time, avoid the intervention of regulatory authorities in traditional inventory pledge, reduce the financing cost of enterprises, improve the efficiency of examination and approval, speed up the financing process and reduce operational risks.
In addition, trademark rights, intellectual property rights, patent pledge, vehicle equipment, mortgage of self-built delivery houses on collective land, charging rights, personal credit and joint guarantee between enterprises can all become flexible counter-guarantee measures of Xinxin Group. Here are a few examples:
1, trademark pledge:
A service-oriented enterprise, whose brand is a famous trademark of provinces and cities, cannot borrow money from banks because it has no fixed assets. Xinxin pledged its famous trademarks in provinces and cities to help enterprises obtain loans of 8 million yuan. This business is the first case in Nanjing.
2. Charge right pledge:
During the development of a well-known science and technology software park, it wanted to get a loan from the bank to support the transformation of the existing park, but it was rejected because there was no collateral recognized by the bank. We pledged the park's equity and the park's charging right to help it obtain a loan of 40 million yuan from the bank, paving the way for the industrial upgrading of the park.
3. Credit guarantee:
An enterprise engaged in the production and sales of communication software wants to get a loan from the bank in the process of industrial upgrading, but the software R&D enterprise has no physical mortgage recognized by the bank. Jiangsu guarantees it, and Xinxin takes corporate equity and credit as counter-guarantee measures to help enterprises obtain a loan of 5 million yuan;
Of course, the development of central enterprises is a long-term and complicated task, and it also requires the mutual cooperation and efforts of government departments, banks and enterprises. It is believed that the development of enterprises will be faster and better by establishing a multi-level and wide-ranging investment and financing system and interactive mechanism. We also hope that Xinxin Group will help them on the road of growth. Now, please entrepreneurs speak freely, put forward all the problems existing in the current financing, and we will discuss them together. I hope our arrival can give you a satisfactory answer.
Thank you all.