China's first home textile bank landed in Nantong next month

Have you heard of "tea bank", "stone bank", "leisure cloth bank", "home bank", "kitchenware bank"...? In the next three years, a number of new types of featured banks will emerge in the Jiangsu region. These characteristic banks will “find” small and micro enterprises for featured industries and industrial clusters and provide them with comprehensive financial services. Next month, Nantong will be the first domestic "home textile bank". This was learned by reporters yesterday from Minsheng Bank's Nanjing branch at a related conference held in Nanjing.

According to the conference, last year's domestic survey showed that compared with the pillar industries of the national economy such as real estate, energy, transportation, and metallurgy, the supply of gold, jade, fish, stone, tea and other specialty industries is seriously insufficient. In the aquatic industry, for example, only the two aspects of aquaculture and processing, the annual output value exceeds 1,000 billion yuan, while the penetration of the financial industry is still less than 40%; the annual value of the apparel industry chain is more than 1,300 billion yuan, but a large number of clothing production Enterprises and sales merchants do not receive financial support. As for tea, stone and other industries, they are basically not supported by banks.

Research shows that many characteristic industries are geographically distributed. A specific industry is often concentrated in a specific area. A large number of small and micro enterprises form industrial clusters around certain core enterprises or core markets. In response to these characteristics of the characteristic industries, Minsheng Bank began to focus on the establishment of specialization branches for small and micro enterprises in the special industry last year. At present, the branches of the three branches of the People's Bank of Fujian Fisheries Professional Branch, clothing specialty branch, tea specialty branch and stone specialty branch have begun to take shape.

Hu Qinghua, President of Minsheng Bank Nanjing Branch, introduced at the meeting that by the end of last year, Minsheng Bank’s Nanjing Branch had exceeded RMB 15 billion for the “Commercial Loan Link” issued by small and micro enterprises with a total amount of up to RMB 5 million.* * Nearly 10,000 customers have average households of less than RMB 1.6 million. The proportion of non-payment ratios for small and micro enterprises has reached as high as 42%, and the average interest rate for these customers is only 8.6%. To a certain extent, the *** market was suppressed. Last year, Nanjing Branch added 5.3 billion yuan to the total number of small and medium enterprises, small and micro enterprises, and ranked second in Jiangsu's banking industry. At present, the branch's small and micro customers have reached 34,000. This year, Nanjing Branch will open 20 specialized branches including home textiles, clothing, auto parts, eyewear, and home furnishing in Nantong, Changzhou and Nanjing, among which the first domestic textile bank will visit Nantong in March this year.