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宽融贷、转贷基金、应急专项资金,是萧山农商行缓解小微企业转贷难问题的三大利器当前,小微企业“短贷长用”现象突出,由此产生大量“借新还旧”的转贷需求。如果依靠民间拆借,对中小企业而言,不仅利息高、周期长,还会衍生出风险事件。何以化解?萧山农商行本着“立足小微、服务实体”的经营理念,创新转贷业务,有力缓解了小微企业转贷难问题,取得了银企双赢的成效。
Loan, transfer funds, emergency special funds, is Xiaoshan Rural Commercial Bank to ease the problem of small and medium enterprises to switch to the three most powerful weapon At present, small and micro enterprises, “short-term loans with” prominent phenomenon, resulting in a large number of “ Borrow new loans ”demand for lending. If we rely on private lending, for SMEs, not only high interest rates and long periods of time will generate risky incidents. How to resolve? Xiaoshan Rural Commercial Bank in line with “based on small and micro, service entities ” business philosophy, innovative loan business, effectively alleviating the problem of small and micro enterprises lending, and achieved a win-win results of the silver.