The development of industrial clusters is conducive to the resource docking and element integration of smes. Handan City, Hebei Province, has 36 county characteristic industrial clusters that are cultivated by the government. In 2022, the operating income reached 446.92 billion yuan, an increase of 11.7%. The vigorous development of industrial clusters cannot be separated from the strong support of local financial institutions.
In recent years, the Central branch of the People's Bank of Handan has guided financial institutions to play a combination of "volume increase, price reduction and quality" through measures such as establishment of regulations, docking between banks and enterprises, and investigation into enterprises, and injected "propellant" into the development of local characteristic industries with high-quality financial services. As of the end of June 2023, the balance of various loans in Handan was 746.399 billion yuan, an increase of 18.22%. From January to June 2023, the weighted average interest rate of new corporate loans issued in the city was 5.24%, down 34 basis points from the same period last year, saving about 700 million yuan in interest expenses for market players.
Small nuts make big business
Handan Yongnian District is the country's largest fastener production base and distribution center, products are exported to Africa, Europe and other places, sales accounted for more than 45% of the national standard parts market share, known as the "Fastener capital of China" title, there are 3880 standard parts production enterprises in the area.
In order to meet the diversified financial needs of various types of enterprises, the Handan Municipal Branch of the People's Bank of China, together with the local government departments, formulated the "Financial Support for the High-quality Development of Handan Manufacturing Industry Work Plan", which makes efforts from nine aspects such as increasing credit support, broadening financing channels, and optimizing the financial ecological environment to help the development of the manufacturing industry. We will hold work promotion meetings, guide financial institutions to innovate financial products and services, and customize financing plans for enterprises with "one enterprise and one policy". Up to now, the financial institutions in the jurisdiction have granted credit of nearly 3.8 billion yuan for the Yongnian standard parts industrial cluster.
Yongnian branch of the Bank of China used "accounts receivable + patent rights" and other intellectual property pledge methods to broaden corporate financing channels, and successfully issued loans of 7 million yuan for a specialized new standard parts enterprise, helping enterprises to transform "intangible assets" into "tangible funds". By the end of June 2023, the Bank of China Yongnian Sub-branch standard parts industrial cluster loan balance of 635 million yuan, a total of more than 800 small and micro enterprises and individual industrial and commercial households are supported. Bank of Zhangjiakou Handan Branch, through cooperation with the core enterprises of the supply chain, innovatively launched the "Yongnian District standard parts raw material loan project", issued unsecured loans to high-quality merchants recommended by the core enterprises, and has issued loans of 4.3 million yuan to 9 small and micro enterprises.
"Financial adviser" all the way "child"
After more than half a century of development, Handan Quzhou stroller industry has become one of the key county industrial clusters supported by Hebei Province. More than 1,800 stroller enterprises have an annual output of 50 million units, with an output value of more than 7.2 billion yuan, and their products are exported to more than 30 countries and regions such as Europe, America and Southeast Asia.
Handan Quzhou County, a stroller enterprise due to the recent rise in raw material prices, there is a shortage of funds, orders soared but did not dare to expand production, the "financial consultant" of the Quzhou branch of the construction bank learned about this situation in the visit to the enterprise, on the spot for the enterprise to design a credit program, only 2 days for the enterprise to issue pure credit "park data loan" 5 million yuan.
In recent years, the People's Bank of Handan jointly with the local financial supervision Bureau to carry out the "' financial consultant 'into the enterprise bank" activity, from the banking, insurance field to select 160 "financial consultant" regular organization into the enterprise research, for the enterprise "pulse consultation", to solve the financing problem, 3 years, a total of help enterprises coordinate to solve credit financing, financial management and other problems more than 1600 pieces.
Government-bank-enterprise cooperation to promote the transformation of steel enterprises
The iron and steel industry is the first pillar industry of Handan's industrial economy, with an output value of 354.46 billion yuan in 2022, accounting for 47.7% of the industry. In order to support the transformation and development of iron and steel enterprises, the Handan Municipal Branch of the People's Bank of China jointly organized a number of bank-enterprise docking activities with local government departments, and guided financial institutions to provide medium and long-term loans, supply chain financing, trade financing and other comprehensive financial services to iron and steel enterprises. As of the end of June 2023, the financing balance of Handan steel manufacturing industry reached 114.5 billion yuan.
Medium - and long-term loans can better match the production and payment cycle of manufacturing enterprises. Minsheng Bank Handan branch issued a five-year fixed asset loan of 200 million yuan for a steel group company to help enterprises upgrade equipment. Handan Branch of Everbright Bank relied on Handan Branch of Hegang Group Supply Chain Management Co., Ltd. to handle factoring financing business for a metallurgical company, its upstream supplier, and lent 6.1247 million yuan to help enterprises alleviate the pressure of long account period and delayed payment.
Through the cooperation of the government, banks and enterprises, Handan iron and steel industry vigorously promotes the large-scale equipment of iron and steel enterprises, the quality of steel, the rationalization of layout, the green production, the intelligent enterprise, and the new stage of high-quality development.
