Changsha Evening News reporter Zhu Zehuan.
Since its establishment in 2017, Changsha Risk Compensation** United Cooperative Bank has issued a total of 32.9 billion yuan of credit loans to 13,127 small, medium and micro enterprises, with an average of 2 to 3 days to provide loans to an enterprise. It is worth noting that under such a high-frequency lending speed, the loan yield rate of wind subsidy has exceeded 993%, handing over an almost perfect score in terms of risk control.
On the one hand, thanks to our self-built risk assessment system and the risk control of cooperative banks, it also allows us to have a clear understanding of the macro development trend of the industry. The person in charge of the wind supplement ** operating institution medical equipment good financing said.
Self-built million-dollar risk assessment system.
Log in to the 'Kyushu Haorongtong Management Platform' WeChat*** and upload the enterprise information according to the relevant prompts, and the approval was completed in only 1 working day. According to the person in charge of a traditional Chinese medicine decoction piece in Hunan, after completing the approval and obtaining the recommendation letter, the bank successfully lent the loan in less than a week, and the interest rate was only 356%, "The key is that from beginning to end, we haven't even seen the face of the wind repair staff." ”
For entrepreneurs who have "never met", why do Feng Bu dare to "guarantee"?
Since its establishment, we have invested more than one million yuan to build a risk assessment system, and cooperated with the third leading big data cooperation company in China to access the big data port and data analysis model. According to the person in charge of the medical equipment good financing of the wind subsidy operation agency, the risk control system focuses on the analysis of the credit situation, performance ability, litigation situation, personal information of corporate legal persons and non-bank loans, etc., and provides non-binding risk point reminders to the bank, and empowers risk control with technology + data.
At present, the system has been accessed to part of the desensitized government data, which can carry out a multi-faceted portrait of the enterprise, complement the bank's analysis of the company's financial statements, transaction data and other information, and reduce the project operation risk as much as possible while ensuring business development through technology + data empowerment.
Multi-dimensional judgment of the repayment ability of enterprises.
The technology financial risk control system mainly focuses on data collection and integration, and is established in multiple dimensions such as real-time monitoring and early warning, intelligent decision-making engine, and anti-fraud system, so as to evaluate the credit status of enterprises and individuals in a more real-time and comprehensive manner, and improve the accuracy and efficiency of risk management. The relevant person in charge of the medical equipment good financing of the wind subsidy operation agency said that the system focuses on a comprehensive understanding of the credit status of enterprises and individuals through multi-level and multi-angle evaluation, especially the judgment of the repayment ability of enterprises.
After obtaining a "report card" about the risk control evaluation of an enterprise, the author found that the risk control system mainly rated the enterprise from five aspects: financial status, operating conditions, credit rating, macroeconomic environment, management and governance structure.
Since most of the loan targets are micro, small and medium-sized enterprises, we include the 'track' in which the enterprise is located and the situation of the enterprise manager into the reference system. According to the person in charge of the medical equipment good financing of the wind supplement operation organization, for the management of the enterprise, we will examine the experience and reputation of the management in the industry, so as to evaluate its impact on the future development of the enterpriseFor the Chilean structure of the company, we understand the organizational structure of the company to ensure that there is an effective management and monitoring mechanism in place to prevent the imbalance of decision-making due to the excessive concentration of management rights of MSMEs.
Selecting "blue chips" among MSMEs
Looking through the list of supported enterprises, more than 2,000 enterprises have grown into high-tech enterprises, 492 enterprises have grown into specialized, special and new small and medium-sized enterprises, 71 enterprises have grown into specialized, special and new "little giant" enterprises, and 3 companies have been successfully listed.
On the one hand, the risk control system of science and technology finance helps the wind subsidy to control the safety of loan funds, and on the other hand, it helps the wind subsidy to select high-growth "blue chip stocks" among many small and medium-sized enterprises.
Taking a biomedical industry located in Xiangjiang New District, Hunan Province as an example, the company belongs to an asset-light, high-tech industry, with large investment in basic research and slow output. Through the information submitted by the company, Fengbu ** learned that the company has rich scientific research achievements, and has completed 163 research on the quality standards of export traditional Chinese medicine, more than 200 decoction piece research technology packages, and 50 traditional Chinese medicine compound benchmark sample technology packages.
This year, the company is expected to have 6 Class 1 innovative drugs, 12 Class 3 new drugs to be declared, and nearly 30 new drugs to be declared in reserve. The relevant person in charge of medical equipment and good financing said that once these new drugs are successfully declared, it means that the company's scientific research achievements have been transformed and the market competitiveness of the company has been greatly enhanced.
In 2020, when the company had not yet received income, Feng Bu** obtained a credit loan of 1 million yuan from Everbright Bank for the enterprise, and then gradually increased the investment amount to 5 million yuan.
The "foresight" of wind supplementation was finally confirmed this year: in March, the company obtained Guangdong Traditional Chinese Medicine Health ** and Huaige Capital 10.5 billion yuan of equity investment, and purchased 35 acres of land in Changsha, and built a self-built R&D building phase I50,000 square meters are being installed internally and equipment, is expected to be put into use around the Spring Festival, the company has a total of 270 employees, including 216 R&D personnel, accounting for 80%, and the later personnel are expected to increase to more than 500 people.