Compared with the loan model for small enterprises with Zhejiang characteristics such as "fellow loans", Beijing ICBC seems more willing to promote the development of small enterprise loan business from the perspective of "specialization". "In fact, this has something to do with the types of small enterprises, because our customers in Zhongguancun are not private enterprises in traditional industries, but high-tech small enterprise customers who have intellectual property rights and patents and have produced good benefits. Our bank is constantly strengthening the credit guarantee business cooperation with the professional credit guarantee company' Beijing Zhongguancun Science and Technology Guarantee Company' to make up for the inherent disadvantage of small and medium-sized technology enterprise customers' weak anti-risk ability, and promote the credit business of small enterprises with the help of professional credit guarantee companies. Jeff, general manager of the second business department of ICBC in Beijing, said, "At the same time, the credit enhancement of small enterprises is realized through upstream and downstream enterprises and third-party supervision. The Bank actively develops and applies new small business loan products such as trade financing, invoice financing and commodity financing. For small enterprise customers, we have handled the small, frequent and urgent characteristics of small enterprise credit industry, such as "domestic government procurement contract factoring" and "dynamic inventory pledge loan under the independent supervision of Sinotrans". According to reports, the convenient financing channels of Beijing ICBC have become an advantage. The bank gives full play to the overall advantages of banking outlets and electronic networks, provides safe and efficient local and foreign currency payment and collection settlement services, and provides a variety of wealth management products and solutions for cash management and wealth management packages, which reduces the financial costs of enterprises and improves the return on assets.
Enterprises implement more flexible and pragmatic evaluation standards.
ICBC (Beijing) provides a wealth of financing products according to the capital needs of small and medium-sized enterprises in different stages of development and different business links: enterprises can use securities such as real estate and land as collateral, bonds, certificates of deposit, bank bills and other securities as collateral, and can also guarantee through qualified guarantors or professional guarantee companies. Enterprises can, according to the needs of production and operation, adopt the methods of whole loan and zero compensation, zero loan and zero compensation to improve the efficiency of capital utilization and reduce the pressure of centralized repayment.