"2008, falling from big setting of tight monetary policy, our credit dimensions will still tilt energetically to small company business, continue to maintain bigger proportional growth, optimize credit structure further " , wang Ming of vise general manager is accepting ministry of finance of Shanghai bank company " daily economy news " when interviewing, express.

Come from a bank so make known one's position, let the medium and small businesses on Shanghai lessen worry. Loan from close, can make financing environment farther how terrible, nearly a few months worry about many medium and small businesses for it. Look from the message that just transmits each at present, improve environment of financing of medium and small businesses, from the top down still takes seriously very. Silver-colored inspect meets relevant personage appealed recently, the country gives more attention, in order to solve the problem with small company difficult financing. It is to small company loan offers more drive, consider the business tax that derate small company borrows money; 2 it is to be small company loan to provide support of pay interest in the form of a deduction when selling a bill of exchange; 3 it is to hope concerned branch improves small company the standard is deducted before the duty that loan loss prepares; 4 it is small company loan is formed undesirable bad Zhang is more, program of cancel after verification is more complex, the hope can gift about the branch banking is own small company of cancel after verification is undesirable loan losing influence.

Than before, large bank also takes small company financing seriously more and more. Up to June 2007 end, labour, farming, medium, build, hand in small company of 5 large banks to award letter door to count five hundred and thirty-five thousand nine hundred, increase thirteen thousand nine hundred than the beginning of the year; Amount of small company loan one thousand five hundred and twelve billion five hundred and fifty-one million yuan, increase one hundred and eighteen billion eight hundred and ninety-five million yuan than the beginning of the year, amplitude 8.53% .

Wang Ming says to the reporter, the small company credit that as Shanghai silver inspect bureau appoints " example goes " , because credit dimensions suffers,Shanghai bank did not have the demand of small company financing with normal brushstroke 2007 be restricted and be affected, next year still can hold to such doing, the forehead that borrows money to small company is spent will not set restriction, tilt limited credit natural resources at medium and small businesses thereby.

Wang Ming introduces, to the small company below setting of macroscopical adjusting control the service already had a plan. Should accept aid of technology of international banking firm soon, system of grade of credit of joint development small company. Advance of all kinds batch to change sale platform, increase batch to spend the proportion of small company business of the operation, reduce cost of business of small company financing. He still discloses, shanghai bank will study of all kinds the program that reduces cost of loan of small company client, include notarial, insurance and evaluate wait for link charge, reduce cost of small company loan further, decrease for the enterprise negative. For example, the tentative idea unites the property insurance that buys mortgage loan by the bank.
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