Minsheng Bank: Help Small and Micro Grow Together with Heart.
Private economy is a new force to promote Chinese modernization and an important foundation for high-quality development. Small and micro is the key to strengthen the private economy. As a capillary to smooth the national economic cycle, a large number of small and micro enterprises are an important part of the private economy, an important foundation for stabilizing the economy, the main support for stabilizing employment, and a key link to improve the stability and competitiveness of the industrial chain supply chain.
As the first national joint-stock commercial bank initiated by private enterprises in China, China () has always adhered to the initial mission of serving private enterprises, focused on the strategic positioning of "banks for private enterprises", and has taken the lead in exploring microfinance in China since 2008. In the past 15 years, we have continued to iteratively upgrade the small and micro business model, increased the credit and online support for small and micro enterprise legal persons, and cast a gold-lettered signboard for small and micro finance.
In the past 15 years, the development of small and micro enterprises has changed, and the services of Minsheng Bank have changed, and a "Friends" has been written.
■ Small and micro "old friends"
The first loan on the road to entrepreneurship
From an ordinary truck driver to the head of a well-known local logistics company, Mr. Chen, like many Quanzhou people, is full of the spirit of love and dare to win. "My career started, which can be said to have started with Minsheng Bank’s first loan." Recalling the course of starting a business that year, Mr. Chen is still very emotional.
Truck drivers who have been running for several years have accumulated some experience, found out the doorways of the industry, and have a certain customer base. In 2007, Mr. Chen came up with the idea of forming a transportation team.
"At the beginning, there were only three small four-wheeled trucks, which mainly helped the cement factory to distribute some materials to the rural agency." After the operation is on the track, there are more and more orders, and the existing truck traffic volume obviously cannot keep up. Mr. Chen plans to expand his business and buy more trucks for transportation.
"I just got married at that time, and I finally got enough down payment to buy a house. I really couldn’t come up with extra funds. It is not easy for a small merchant like us to apply for a loan. Either it does not meet the bank access conditions or it needs to provide collateral or guarantors. Most of them still borrow money from relatives and friends. " Mr. Chen remembered the predicament at that time and shook his head again and again.
"When I was at my wit’s end, Xiao Li of Minsheng Bank helped me a lot." When visiting the merchants around the outlets, account manager Li Yiyang came to Mr. Chen’s store and learned about Mr. Chen’s business situation and "troubles". After that, Li Yiyang introduced Minsheng Bank merchant card, running water loan and music cashier to him.
"When Xiao Li said that he could apply for a running water loan, I felt that I saw hope at once." After collecting materials, printing running water, on-site investigation and other procedures, a credit loan of 500,000 yuan was paid to Mr. Chen’s account within 2 days. Mr. Chen bought five trucks with loan funds. "It is with this 500,000 fund that my business scale has gradually grown from five trucks to 10, 20, and now 50."
With the development of enterprises, Minsheng Bank has also provided Mr. Chen with more comprehensive financial services, such as payroll, cashier’s service, settlement of accounts in Gong Hu, financial management and so on.
"Minsheng Bank is a witness to every step of my development." Mr. Chen said.
In 2018, the competition in the transportation industry became increasingly fierce, and Mr. Chen’s business development entered a bottleneck period. After constant thinking and discussion, Mr. Chen decided to find another way, expand the business scope and increase the cement sales and trade business.
"The office space needs to be expanded, the number of business personnel needs to be increased, and the cost of cement agents is not low … all these costs money." Mr. Chen took the initiative to contact Li Yiyang, the account manager, and asked him about the loan business. "If you have any financial problems, it is right to find Minsheng Bank." The account manager handled a mortgage loan of 2 million yuan for Mr. Chen, and Mr. Chen won a cement agent in Quanzhou, rented a new office space, recruited and recruited, and his business was revitalized.
In 2021, Mr. Chen’s transportation and cement trade suffered a big impact, and he faced the problem of loan repayment and renewal. Li Yiyang, the account manager, sent care to Mr. Chen by phone and WeChat at the first time to keep abreast of the difficulties and financial service needs of customers, and told them that they could enjoy a series of policies such as delaying repayment of principal and interest, overdue credit protection, and remote video interview, so as to help customers with repayment difficulties affected by the epidemic reduce the pressure of capital turnover and tide over the difficulties.
"In difficult times, Minsheng Bank took the initiative to cut interest rates for me, and reduced payment and settlement fees, and their small and micro red envelopes saved a lot of interest …" Mr. Chen was very appreciative of Minsheng Bank’s policies and services of caring for enterprises.
"The icing on the cake is easy, but it’s hard to help in the snow. For so many years, Minsheng Bank is like an old friend around me, reliable and caring. "
People’s livelihood is no small matter, and branches and leaves are always related to love. Like Mr. Chen, many small and micro enterprises in Quanzhou got their first loan from Minsheng Bank. The account manager of Minsheng Bank has always been eager to go back and forth in wholesale markets and business districts, visiting merchants one by one, collecting materials, recommending simple and convenient loans, settlement and other products to customers, and solving the financing problem of small and micro enterprises.
In the past 15 years, Quanzhou Branch of Minsheng Bank has always adhered to the initial intention of "helping every small and micro dream", regarded every small and micro customer’s business as the cause of Minsheng Bank, and continued to go deep into major business circle markets, business associations, parks and communities, and shared prosperity and common growth with small and micro customers, and gradually started the golden signboard of micro finance in the market.
■ New model of micro-service
"Intellectual property" becomes "asset"
"Spark Loan" Helps Specialization and Innovation
"I didn’t expect that intellectual property rights can help us solve big problems. This tailor-made financing service is too timely!" The relevant person in charge of a pharmaceutical company in Hefei said.
A few days ago, Minsheng Bank Hefei Branch issued a working capital loan of 7 million yuan to the pharmaceutical company, which was the first innovative product "Spark Loan" officially launched by the bank.
According to reports, "Spark Loan" is a financing product system launched by Minsheng Bank for small and micro enterprises in strategic emerging industries and modern service industries, including talent loans, intellectual property loans, credit loans, secured loans and equity pledge loans. The loan issued this time is a "Spark Loan" product with "intellectual property rights" as the pledge.
It is understood that the pharmaceutical company is a high-tech enterprise integrating new drug research and development and drug production. It has a number of intellectual property patents and drug production approvals, and has been selected into the national centralized drug procurement memorandum. At present, the enterprise is actively expanding its raw material production base, and it is urgent to expand its working capital for operating turnover in a special period.
Through daily visits, Hefei Branch of Minsheng Bank learned about the financing needs of the enterprise and recommended innovative products of intellectual property pledge of "Spark Loan" to the enterprise. In order to help enterprises operate normally, the bank has customized professional financing schemes for enterprises by taking the behavior service position of Luyang Branch in Hefei as an example.
In recent years, Anhui has cultivated a number of leading enterprises and advantageous enterprises with characteristics, competitiveness and high growth in the field of "specialization and novelty". The exclusive product of "Spark Guaranteed Loan" innovatively launched by Hefei Branch of Minsheng Bank further enhances the availability and convenience of "specialized and innovative" corporate loans.
"During that time, I couldn’t come back from a business trip in Hong Kong, and enterprises needed capital turnover urgently. Fortunately, Minsheng Bank found a way." A few days ago, a person in charge of a data technology company in Anhui came to Xuancheng Branch of Minsheng Bank and sent a sincere thank-you letter to express Minsheng Bank’s strong support and help to the enterprise in production, operation, construction and development.
Anhui Data Technology Co., Ltd. is a provincial-level high-tech, specialized and innovative enterprise engaged in satellite remote sensing big data application and high-precision map production. In order to expand the business scope, enterprises urgently need funds to build a satellite resource application center. Through the early service docking, after understanding the financing needs of enterprises, Xuancheng Branch of Minsheng Bank took the initiative to contact enterprises, and immediately set up an agile team to provide on-site services for many times. After clearly knowing the business model and financial arrangement of the enterprise, the bank recommended the innovative product "Spark Guaranteed Loan" of Minsheng Bank to the enterprise, and customized the exclusive financing plan for the enterprise.
"Most small and medium-sized science and technology enterprises are faced with less physical assets, leased business premises and complicated ownership structure, which makes it difficult and low in general bank financing. Minsheng Bank has increased financial services and product innovation around the pain points and difficulties of enterprises in financing." The relevant person in charge of Xuancheng Branch of Minsheng Bank analyzed, "Spark Guaranteed Loan is a special product for high-tech enterprises and small and medium-sized science and technology enterprises. It mainly provides comprehensive credit by considering the actual operation, research and development capabilities and upstream and downstream cooperation of enterprises, and does not need to mortgage assets. It has the characteristics of large amount, low interest rate and flexible guarantee method."
In order to serve the enterprise better and faster, Xuancheng Branch of Minsheng Bank actively cooperated with the enterprise, and with the strong support of Anhui Science and Technology Financing Guarantee Company and Xuancheng Economic Development Zone Financial Office, carefully sorted out the logical relationship between the guarantee policy and enterprise operation, provided the required materials in time, and successfully obtained the authorization of the guarantee company and the recommendation letter from the Economic Development Zone Financial Office. The bank’s reviewers cooperated with the managers to scientifically grasp the pace of business handling, and promoted the pre-loan investigation, material collection and investigation report simultaneously and efficiently. In the final withdrawal stage, faced with the complicated situation that the enterprise entity is in Xuancheng, the actual controller is in Hong Kong, the notary office and the guarantee company are in Hefei, Xuancheng Branch of Minsheng Bank rushed to government departments, guarantee companies and enterprises for discussion and communication several times, and finally finalized the comprehensive implementation plan, which effectively solved the problems of face-to-face contract signing and signing the guarantee company, and enabled enterprises to get 5 million yuan of working capital as scheduled.
5 million yuan "timely rain" is like "reassuring" and "cardiotonic", watering the flowers of scientific and technological innovation and enterprise development. It is reported that this innovative financing has overcome various difficulties and finally landed successfully after receiving successful loans from banks and enterprises.
Science and technology are the foundation of national prosperity, and innovation is the soul of national progress. As a pioneer, pioneer and devotee in the field of financial services for small and micro enterprises, Minsheng Bank will persist in innovation and exploration in the process of reform and transformation, and will continue to turn its innovation achievements into assistance to the real economy, and will continue to pay attention to key areas and the development of small and medium-sized enterprises with science and technology.
■ Talking about the experience of small and micro services
Li Si:
Service is only "fast" and not broken.
"The problem that can be solved in one trip will never let the customer run twice, and the thing that can be solved in one day will never let the customer wait for two days. I will save the time cost of the enterprise as much as possible." Li Sizhen, manager of small and micro customers of Chongqing Branch of Minsheng Bank, said that besides diligence and professionalism, efficient and high-quality service is the "secret" for her to win the trust of small and micro enterprises.
Sister Hu, who runs the wholesale business of frozen products, expects that the price of frozen products will reach a low point in the near future, so she wants to prepare more goods, but her liquidity is not sufficient. She wants to borrow money and is worried that the process is cumbersome, which leads to missing the best order time, so she has been very entangled. After learning about the situation, Li Sijing gave Hu Jie an idea: "You only need to judge the profit margin of this stocking. Wouldn’t it be a pity if you see that the market is right and don’t follow the trend? Our Minsheng Bank is to provide you with financial convenience and hope to do better and better with you! "
With the help of Li Sijing, Hu Jie made a rational analysis and finally decided to apply for Minsheng Bank Credit Easy Loan, which won timely liquidity support. Later, Sister Hu said to everyone: "Minsheng Bank lent money quickly, the money came at the right time, and the order price was just the lowest point. Fortunately, I didn’t miss this opportunity!"
"If it takes 5 days for a business to go through the process normally, and you use it for 4 days, customers will feel ok, no different from other banks; If you use it for 3 days, customers will be surprised and feel that their own affairs have been taken seriously; If you use it for 2 days, the customer will be very grateful to you and feel that you are really trying to help him solve the problem; If it takes only one day to get it done, customers will feel that you are a trustworthy friend from the bottom of their hearts. So efficiency is very important. " Li Sizhen said.
It is also very important to "fully understand the customer". In addition to phone calls and text messages, WeChat friends circle is a window for Li Sizhen to communicate with customers. In this window, Li Sizhen believes that she can not only be closer to customers’ lives, but also better grasp opportunities.
"Always mention business with customers, with a strong purpose, but it is counterproductive. I don’t want to be just a cold and prim account manager in the hearts of customers. I hope that I am a living and warm Chongqing girl in front of them. " Li Sizhen said.
Mr. Lin runs a building materials company in Chongqing. Li Sijing learned from the exchange that he has been relatively abundant in funds and has no plans to borrow money for the time being, so he has been communicating as a friend and has no business dealings.
"Mr. Lin likes to share photos of his fitness in the circle of friends. I often like it and occasionally discuss ways to lose weight." Li Sizhen said that after a long time, after the two became acquainted, Li Sizhen learned that Mr. Lin’s father was old and changed the company legal person to Mr. Lin. At the same time, he also wanted to change the collection code. At that time, Mr. Lin happened to see Li Sizhen interacting in the circle of friends, so he took the initiative to ask. After communication, Li Sizhen immediately contacted the docking person of the acquiring business for Mr. Lin and collected the settlement of the enterprise in Minsheng Bank.
"Managing customers is really a very long-term process, and we must be prepared for a long-term war." Li Sijing understands the vigilance and hesitation of customers, and she will convey her sincerity to customers with practical actions.
Mr. Wu runs a food company and has loan cooperation with many banks. When Li Sijing visited, he complained that his account manager was too mobile, and he didn’t have any bank friends who he trusted particularly. Usually, he was recommended by his partners for business. In July 7788, he added a bunch of staff WeChat, and sometimes he couldn’t tell who was in charge of which business.
In the contact with Mr. Wu, Li Sijing gradually understood his personality, true temperament, and also loved to share and be lively. "In fact, such a customer is really of high quality. Once he decides that you will not change easily." Therefore, in the following months, every holiday and customer’s birthday, Li Sijing will take pains to prepare a blessing; If you happen to be near Mr. Wu’s company, everyone will go up and have a chat to deepen mutual understanding. Later, Mr. Wu was moved by Li Sijing’s sincerity. Not only did he hand over his business to Minsheng Bank, but he also took the initiative to introduce many partners and friends of the Chamber of Commerce who had financial needs to Li Sijing.
"As a front-line account manager, you must learn to be a conscientious person." Li Sijing believes that managing customers is like starting a journey. Every site has people going up and down. Some customers only sit for a few stops, and some customers will stay with them for many years. But no matter which customer, what Li Sijing will do is to listen, what the customer is worried about, what the customer is hesitating about, and what the customer has problems. Then, on the basis of full understanding, he will use his professional knowledge to enter the customer’s heart with sincerity. It is the active empathy again and again, the warm greetings again and again, and the unexpected surprises one after another that make Li Sizhen more and more practical on the road of microfinance.
Yu Huawen:
Empathy service has more temperature.
Not visiting the enterprise, but on the way to visit the enterprise-this is a true portrayal of Yu Huawen’s work. Since joining the micro-finance team of Minsheng Bank Shenyang Branch in 2021, Yu Huawen has taken "providing modern financial services for small and micro enterprises" as his mission, treating customers as friends and partners, anxious about the urgent needs of enterprises and solving the difficulties of enterprises.
A main medical device enterprise is affected by the longer payment period, and its liquidity is seriously affected. At the same time, the enterprise needs funds to expand its production scale. In the first time to understand the needs of enterprises, Yu Huawen acted quickly and actively communicated. It took only five working days from data collection to loan, which eased the urgent needs of enterprises and won high praise from customers.
In order to meet the demand for credit funds of small and micro customers as soon as possible, Yu Huawen often works overtime and continuously. When the workload is heavy, he visits customers and inspects the market during the day, and rushes back to the unit to write reports and sort out credit materials at night, in order to solve the problem of enterprise funds early and meet the timeliness requirements of small and micro enterprises’ production and operation.
"To serve small and micro enterprises well, we must learn to empathize, understand their pain points and difficulties, and make good use of the policies of the government and banks to support the development of small and micro enterprises, so that enterprises can truly feel the temperature of Minsheng Bank’s services." Yu Huawen said.
In order to support the healthy development of small and micro enterprises, the Shenyang Municipal Government launched the business guarantee loan policy. Yu Huawen carefully studied the policy, and cooperated with bookkeeping companies. Many policy publicity activities were organized for small and micro enterprises to publicize the inclusive finance concept of Minsheng Bank, explain the discount conditions of business guarantee loans, and actively assist qualified customers to handle the discount procedures, so that many enterprises enjoyed interest-free financing services in the first year.
"To serve small and micro enterprises well, we must strive to become a comprehensive financial service steward of small and micro enterprises, and meet customer needs with professional products and sincere services." Yu Huawen said that in the process of many years of micro-financial services, he has come hand in hand with many enterprises, and it is almost the reality of all small and micro customers.
Mr. Li was introduced by another customer. From consulting loan business, he and Yu Huawen got to know each other and became friends gradually. With the support of Minsheng Bank, Mr. Li has grown from a small business owner with only a few employees at first to a private entrepreneur with more than 100 employees now, and from a single entrepreneur to a pillar of a family of four. With the growth of enterprises and the formation of families, the services provided by Minsheng Bank to Mr. Li have gradually enriched from the initial small and micro enterprise loans to a comprehensive service plan of "enterprise financing+employee generation+family wealth management". Yu Huawen and the financial manager have formed a professional service team, providing a package of services such as corporate tax preference, cash management, family wealth planning and children’s education. By exporting comprehensive financial services such as loans, settlement, comprehensive financial management and financial planning for enterprises, Yu Huawen has gained high recognition from enterprises.