Changle Rural Commercial Bank: Helping small and micro textile enterprises develop and grow

From the “grassroots industry” in the eyes of sociologist Fei Xiaotong to today’s “strong textile county”, many people have “deciphered” it from leading textile companies such as Hengshen Holdings and Jinjiang Technology Company. The code for advancement in Changle’s textile industry, and when we turn our attention to the small and micro textile enterprises in Changle, what new discoveries will we make?

“Our relationship with Changle Rural Commercial Bank is like the relationship between fish and water.” Recently, Chen Zhenxing, chairman of Changle Yongyi Knitting Co., Ltd., told reporters in Longxia Industrial Zone, Songxia Town, Changle District His company has had a relationship with Changle Rural Commercial Bank for more than 10 years. “It can be said that the ‘first bucket of water’ for our company came from Changle Rural Commercial Bank.”

At present, Yongyi Knitting, which mainly deals in lace fabrics, employs more than 100 people and has an annual profit of about 10 million. “Channgle Rural Commercial Bank is the first bank we cooperate with.” Chen Zhenxing said that as early as around 2000, Yongyi Knitting had loaned 2 million yuan to Changle Rural Commercial Bank. Later, with the development of the enterprise, Yongyi Knitting needed a loan of 8 million yuan, but at that time Changle Rural Commercial Bank was not able to issue such a large-scale loan, and the cooperation between the two parties was temporarily suspended.

However, the two parties “renewed their relationship” in 2017, and Changle Rural Commercial Bank issued a mortgage loan of 12 million yuan to Yongyi Knitting. The relationship between the two parties who cooperated again has taken a further step. In April 2020, during the epidemic and when the 12 million yuan loan was due, Chen Wei, the account manager of Jiangtian Branch of Changle Rural Commercial Bank, took the initiative to recommend “renewal of loan without principal repayment” to Chen Zhenxing, which greatly eased the need for Yongyi’s injection. Spinning capital turnover pressure.

“Channgle Rural Commercial Bank ‘dare to be the first’. Whether it is ‘loan renewal without principal repayment’ or ‘relief loan’, they have actively responded to the policies and delivered these policies to us at genuine prices.” Chen Zhenxing said, Changle Rural Commercial Bank has many branches and is down-to-earth, and has played a big role in the growth of small and micro textile enterprises in Changle.

The story of financial water fattening “corporate fish” continues. In Donghai Village, Wenwu Sha Town, not far from Yongyi Knitting, the sign at the entrance of the factory of Fuzhou Changle District Fuda Textile Co., Ltd., which mainly produces warp knitting, has not yet been replaced. , this is a newly acquired factory building by Fuda Textile Company, which has not yet been fully put into production.

Fuda Textile, which is still in the preparation period, needs a large amount of working capital. Currently, Changle Rural Commercial Bank has issued a guaranteed loan of 6 million yuan and a bank acceptance bill of 3.6 million yuan to Fuda Textile. “Channgle Rural Commercial Bank has the best service and a short cycle. The guaranteed loan of 6 million yuan was quickly processed.” Liu Shuyong, general manager of Fuda Textile Co., Ltd. said.

Whether it is a policy-based “relief loan” or an innovative and popularized “loan without principal repayment” or “guaranteed loan”, they are all very important sources of funds in the development process of small and micro enterprises. Behind this is the fact that Changle Rural Commercial Bank has deeply implemented service models such as “Backpack Bank” and “Party Building + Financial Assistant + Multi-corporate Integration”, taking root in towns and villages, so as to have a thorough understanding of small and micro enterprises. While preventing financial risks, it also Help small and micro enterprises solve financial difficulties in a timely manner.

It is understood that as of the end of 2020, the loan balance of Changle Rural Commercial Bank to small and micro textile enterprises (including small and micro business owners) was 1.4902595 million yuan, and it has supported 362 small and micro textile enterprises. These numbers are an indispensable component in the promotion code of Changle, a “strong textile county”.

The Fifth Plenary Session of the 19th CPC Central Committee proposed to “comprehensively implement the rural revitalization strategy, strengthen the use of industry to supplement agriculture, and use cities to drive rural areas.” Township enterprises are one of the driving forces for promoting rural revitalization. The relevant person in charge of Changle Rural Commercial Bank said: “While Changle Rural Commercial Bank fully serves agriculture, it also serves small and micro enterprises rooted in rural areas and continues to help rural revitalization.”

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