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One letter in exchange for 7.5 billion yuan in thousand financing

Posted time: 2019-12-18 09:47 source: Hubei civilization network

On December 16, a set of data from the East Lake High-tech Zone was thought-provoking: In the past 8 years, Optical Valley has used credit financing to accumulate 1,582 financing rounds, accumulative financing of 7.502 billion yuan, and a NPL ratio of only 0.82%. Among them, since 2018, Optical Valley's small and medium-sized enterprises have raised 663 times through credit “endorsement”, with a total amount of 3.293 billion yuan.

How does Optics Valley trade credit for money and how does its credit system work?

Funds trapped

"Gazelle" almost fell on the line of life and death

Wuhan Molink Co., Ltd. is a leading medical payment solution provider in China. From 2011 to 2018, it was named Optical Gazelle "Gazelle Enterprise" for 8 consecutive years.

But this high-growth "gazelle" also had "money stumped heroes" moments.

In 2013, as the pace of enterprise development accelerated, Molink's R & D investment increased year by year. The capital turnover couldn't keep up, and the company's operation suddenly fell into trouble-the capital gap was 3 million yuan, and he would live after the past, and die if he couldn't get through. What should I do?

"At that time, we were still small and micro enterprises." Fang Datong, chairman of Wuhan Molian Co., Ltd. admitted that it would be basically impossible to apply for a 3 million yuan loan in the traditional way.

On the line of life and death, a credit rating report from Wuhan Donghu Enterprise Credit Promotion Association saved Molian.

Fang Datong introduced that Molian is one of the companies that signed the letter of commitment in the early days of Optics Valley. This paper credit promise was publicized to the public through Wuhan's major credit portals in order to enhance the integrity of enterprises in business cooperation.

After comprehensive credit inquiry and rating, Donghu Credit Promotion Association issued AA-level corporate credit assessment letter to Molian in time, and also proactively recommended this honest enterprise to the banks and insurance companies.

At a critical moment, Molink obtained a "life-saving loan".

Since then, Molian has applied for a credit rating at the Donghu Credit Promotion Committee every year. From 2013 to 2018, CCPIT helped Molian accumulate 39 million yuan in financing loans, including guaranteed insurance loans of 24 million yuan and credit loans of 15 million yuan.

Credit exploration

Central Bank praises "East Lake Model"

Moline's "credit financing" is just a microcosm of the construction of Optics Valley's social credit system.

In 2011, Optics Valley set up the "Wuhan East Lake Enterprise Credit Promotion Association", and through the credit management methods such as Optics Valley Credit Network, Optics Valley Credit Information Database Management and Application Platform, the "speaking of credit" can be supported by evidence and evidence.

The relevant person in charge of the Management Committee of Donghu High-tech Zone introduced that Optics Valley Credit Network can perform a series of services such as credit policy interpretation, credit reward and punishment inquiry, online credit inquiry, etc. The cumulative number of interviews has reached 3.8 million.

The Optics Valley Credit Information Platform is like a "credit sky eye" system, which can rely on a database for credit inquiry, credit disclosure, data mining, and innovative application of credit information. As of now, the credit platform has collected and updated a total of 8.207 million pieces of credit information data, covering 102,000 market entities, and the information collection scope covers more than 95% of small and micro enterprises in Optics Valley.

In terms of credit "monetization", Optics Valley also introduced a number of loan subsidy policies based on corporate credit reports, which can provide discounts of up to 80% of the benchmark interest rate of the People's Bank of the same period to ease the financing of small and micro enterprises.

In the past two years, a total of 622 enterprises meeting the credit conditions have honored credit loan discounts, guaranteed insurance premium subsidies, guaranteed insurance interest subsidies, etc., totaling 26.664 million yuan.

In 2014, the East Lake High-tech Zone was listed by the People's Bank of China as a pilot area for the construction of a national micro-credit system pilot zone, and praised it as the "East Lake Model".

Mutual trust

35 high-tech zones establish "confidence alliance"

In 2016, in order to resolve the "cross-region mutual trust", Shanghai Zhangjiang Hi-Tech Park joined forces with Wuhan Donghu Hi-tech Zone, Chengdu Hi-tech Zone, Changsha Hi-tech Zone, and Jining Hi-tech Zone to jointly establish a National Hi-tech Park Credit Alliance. Today, the members of this "Integrity Alliance" have covered 35 high-tech zones in the country.

Recently, more than 10 national high-tech zones including Wuhan Donghu, Shanghai Zhangjiang, Changsha High-tech, and Chengdu High-tech Zone have issued joint initiatives: establishing a unified national high-tech park credit service platform and credit system linkage mechanism to promote credit information sharing and credit evaluation Recognition, and cross-regional cooperation in building a credit system.

Liu Zhiguang, the director of the Credit Management Department of the People's Bank of China Wuhan Branch, said that at present, from state to local, research and development of blockchain is the core issue of credit. Taking the credit reporting industry as an example, the current credit reporting uses the past to infer the future, and the blockchain credit reporting uses the present to prove the present and predict the future. "Integrity is not just a slogan on the core value of 24 characters. With the advancement of technology and the improvement of the system, no matter whether it is an enterprise, an institution or an individual, there will be a lot of dishonesty and restrictions everywhere." (Liu Zhan Wang Yuan)

Editor-in-chief: Wang Jiong
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