本版撰文信息时报记者 袁峰

The information times YuanFeng articles

　　金融产品和服务模式的创新，是银行小微企业服务优化最直观的体现。记者发现，本届中小企业博览会上，光大、广发、中行、招行等银行提供了各式各样的专有产品，特别是针对小微企业抵押物不足的问题，做了大胆尝试。另外，针对小微企业的各种贷款费用，中行、华兴等银行都给予不同程度的减免优惠。

Financial products and service mode innovation,Is a bank small micro enterprise service optimization is the most intuitive reflect.Reporter discovery,The small and medium-sized enterprise exposition,everbright/Guangdong development/boc/China merchants bank and bank provides a wide variety of proprietary products,Especially for small micro enterprise to the problem of shortage of the mortgaged property,Do the bold attempt.In addition,According to small micro enterprise cost various kinds of loan,boc/Huaxing and Banks are given a different degree of derate preferential.

　　创新产品破解抵押物不足 Innovative products crack lack of the mortgaged property

　　由于资产不足，小微企业很难通过传统的抵押、担保等融资方式获得资金，向传统银行融资则需面临成本高、服务少、手续繁、审批难等问题。广州各家商业银行持续利用产品创新，破解抵押物不足难题。如光大银行(601818,股吧)提供的支票易产品就是一款纯信用无抵押的融资产品，特别适合主要为日常经营活动中支票使用较为频繁、资信状况良好、历史结算交易正常，但有临时性资金需求的中小企业或个体工商户。在企业使用支票支付时，如账户资金不足以支付，可使用光大的授信额度对外透支支付。支票易最高透支额度可达200万元，每月可透支一次，一年透支次数可达12次。手续方便快捷，一次申请，循环使用。

Due to insufficient assets,Small micro enterprise hard to through the traditional mortgage/Guarantee financing ways such as receive money,To the traditional bank financing must be faced with high cost/Service less/Formalities numerous/Problems such as difficult for examination and approval.Guangzhou each commercial bank sustainable use product innovation,Crack pawn shortage problem.Such as everbright bank(601818,guba)Provide check easy product is one pure credit unsecured financing products,Especially suitable for mainly for the daily management activities are frequent use checks/Credit in good condition/Historical settlement transaction normal,But there are temporary fund demand of small and medium-sized enterprise or individual and industrial and commercial door.In the enterprise use cheque payment,Such as account funds will not be sufficient to pay,Can use everbright's line of credit foreign overdraft to pay.Check easy highest credit can reach 2 million yuan,Monthly overdraw a,A year overdraw number up to 12 times.Convenient procedures,An application,Cycle use.

　　广东工行相关负责人介绍说，与传统上依托担保抵押发放的小微企业贷款不同，“小额便利贷”主要依据企业及其业主的信用状况办理，无须提供抵押或其他担保，符合相应条件的贷款可在3至5个工作日内完成审批发放，放贷金额最高可达200万元人民币，贷款期限最长达7个月，非常契合小微企业“短、频、急”的融资需求特点，并能有效节省小微企业的抵押、保证与担保支出，大大降低了小微企业的负担。为满足小企业贷款“短、频、急”的融资需求，广东工行创新开发了远程视频审批系统审贷通在线审批系统，该系统支持从调查、审查、审议、审批到签批全流程用户之间的沟通，最快可在一天内完成一笔“小额便利贷”业务的审查审批，有效提高了贷款审批效率。

Icbc guangdong the relevant person in charge said,And the traditional depending on the mortgage guarantee issued by the small small enterprise loan different,"Small convenient credit"Mainly based on the enterprise and its owner's credit standing to deal with,Do not need to provide mortgage or other security,Meet the corresponding conditions of the loan can be in 3 to 5 working days issue finish the examination and approval,The amount of loans highest can amount to 2 million yuan RMB,The longest loan time limit for 7 months,Very fit small micro enterprise"short/frequency/urgent"Financing demand characteristic,And can effectively save the small micro enterprise mortgage/Ensure and guarantee expenditure,Greatly reduces the small micro enterprise burden.To meet the small business loans"short/frequency/urgent"Financing demand,Guangdong icbc innovates and develops a remote video examination and approval system credit audit through online examination system,The system support from the survey/review/review/Examination and approval to sign all process the communication between users,Can be the fastest in a days to complete a pen"Small convenient credit"Business review for examination and approval,Effectively improve the efficiency of the loan examination and approval.

　　中小企业多项费用可减免 A number of small and medium-sized enterprises can be deducted or exempted expenses

　　在本届中小企业博览会上，银行对于中小企业普遍反应的业务办理费用高给出了优惠的答案。中行广东省分行透露，本届博览会上，对小微企业免收贷款承诺费、一般贷款承诺函承诺/承担/额度占用费、融资服务条件变更和安排费、出口买方信贷管理费和承担费、综合服务资金监管服务费、银行承兑汇票敞口承诺费，帮助小微企业降低融资成本；同时，自2012年4月1日起，除小微企业主动购买服务外，原则上仅收取利息费用。

In the small and medium-sized enterprise exposition,Bank for small and medium-sized enterprise popular reaction of the high cost of business deal with given preferential answer.Bank of China guangdong branch revealed,The exposition on,For small micro enterprise shall be exempted from loan commitment fee/The general loan commitment letter commitment/assume/limit cost/Financing service condition changes and arrangement fee/Export buyer's credit management fee and commitment fee/Comprehensive service fund supervision service charge/Bank acceptance open commitment fee,Help the little micro enterprise to reduce financing cost;At the same time,Since April 1, 2012,In addition to small micro enterprise active buy outside a service,In principle, only collect interest expense.

　　据悉，华兴银行公司业务部负责人也透露，在中博会上将继续执行各档存款利率均享受基准利率上浮10%的优惠，还降低中小企业交易成本，让利于民，免收开立账户手续费、免收卡片年费、开立网银免收手续费和UKEY费用、POS机免安装费用，在一定期限内免收汇划费用等，给予中小企业及中小企业主实实在在的优惠。

It is reported,Huaxing banking company department person in charge also revealed,In ZhongBo meeting will continue to carry out each file deposit interest rate the enjoyment of benchmark interest rate rise 10% discount,Also reduce transaction cost of small and medium-sized enterprises,Benefit to the people,From opening an account fee/Annual fee will be exempted from the card/Open net will be exempted from the commission and UKEY cost/POS machine free installation cost,In a certain period of time will be exempted from the transfer fee, etc,To small and medium-sized enterprises and small and medium-sized entrepreneurs real preferential.

　　华兴银行：专属理财产品收益为同期定存的两倍

Huaxing bank:Exclusive financial product revenue for the same period of time deposit two times

　　第九届中国国际中小企业博览会明天正式开幕。广东华兴银行针对本届中博会推出了一系列极具竞争优势的金融产品，希望为中小企业带来切实的实惠与便捷。据该行小微金融部负责人介绍，该行将透过发挥机制更灵活、决策链条短、办事效率高等优势，依托华兴6S公司金融品牌，为中小企业提供综合、一揽子的金融解决方案。

The ninth China international small and medium-sized enterprises fair officially opened tomorrow.Guangdong huaxing bank in to the fair launched a series of the competitive advantage of the financial products,Hope to small and medium-sized enterprise to bring tangible benefits and convenient.According to the bank small micro banking chief introduction,The bank will play mechanism through more flexible/Decision chain short/To handle affairs the efficiency higher advantage,Relying on huaxing 6 s company financial brand,For small and medium-sized enterprises to provide comprehensive/Package of financial solutions.

　　中博会特供理财产品：收益约为同期定存2倍

In the exposition especially for financial products:Income of about the same period fixed deposit 2 times

　　据悉，华兴银行为了准备本届中博会，特别推出了“华兴*钻石2号”保本理财产品，理财期限6个月，最高预期年化收益率可达5.35%。目前半年期定期存款基准利率为2.80%，购买50万华兴理财产品按最高预期收益率计算，获得的到期收益将比同期定期存款收益多出6338元，约是同期定期存款收益的1.91倍。

It is reported,Huaxing bank to prepare for the fair in,Special launched"Huaxing * diamond no. 2"Break-even financial products,Financing deadline for six months,The highest expected annualised yield can reach 5.35%.At present the 6-month deposit benchmark interest rate to 2.80%,Buy 50 China and financial products according to the highest expected return rate calculation,The yield to maturity will get over the same period deposit income more than 6338 yuan,The same period is about 1.91 times of deposit income.

　　账户变动可通知5人 Account changes can be used to notify the five people

　　此外，华兴银行还创新推出智能资金管理特色服务，解决中小企业“管好钱”、“用好钱”难题。为中小企业主定制账号信息管理体系，实现一个结算账号捆绑5个手机号码业务，为中小企业主存贷款业务提供安全保障，使资金支付、到账、统筹等一目了然，足不出户运筹帷幄。

In addition,Huaxing bank also innovation launch intelligence capital management characteristic service,Solve the small and medium-sized enterprise"Manage money"/"Make good use of money"problem.For medium and small business owners custom account information management system,Implement a settlement account bound five business mobile phone number,For medium and small business loan business to provide security,Make the funds to pay for/To account/As a whole, etc be clear at a glance,Never leave home have a card up one's sleeve.

　　据华兴银行小微金融部负责人表示，本次中博会，华兴银行将以为客户传递价值为宗旨，以创新的客户体验为手段，以特色产品、智能服务为主线，按照“融资＋融智”的服务理念，为中小企业提供银行融资、资本市场融资、投资理财、财务策划、管理咨询等全方位的综合金融服务。

According to huaxing bank small micro banking chief said,In the fair,Huaxing bank will think the client transfer value for the purpose,Innovative means of customer experience,With special products/Intelligence services as the main line,According to the"Financing + RongZhi"Service concept,For small and medium-sized enterprises to provide bank financing/Capital market financing/Finance and investment/Financial planning/Management consulting, and so a full range of integrated financial services.

　　交行在穗启动“蕴通财富”品牌 In the ear in the start"Aggregates through wealth"brand

　　昨日，交通银行(601328,股吧)“蕴通财富走进城市”路演活动来到广东。作为中国内地较早开展财富管理业务的金融机构，交通银行针对广东中小企业启动了“蕴通财富”品牌。据悉，该品牌业务以“企业财富管理、金融智慧服务”为品牌宗旨，全面整合了供应链金融、现金管理、投资银行、资产管理、跨境人民币、政府金融、离岸金融、航运金融、资产托管、企业年金、电子银行、同业金融等十二大服务领域及多项专业服务方案，通过专业团队、创新产品和诚信服务，及时满足企业各项金融服务需求。

yesterday,Bank of communications(601328,guba)"Accumulate through wealth into the cities"Road show activities come to guangdong.As mainland China earlier wealth management business in financial institutions,Bank of communications in guangdong small and medium-sized enterprise launched"Aggregates through wealth"brand.It is reported,The brand with business"Enterprise wealth management/Financial wisdom service"Aim for the brand,Comprehensive and integrated supply chain finance/Cash management/Investment bank/Asset management/Cross-border RMB/The government financial/Offshore financial/Shipping financial/Asset custody/Enterprise annuity/Electronic bank/Trade finance, and twelve big service field and a number of professional service plan,Through the professional team/Innovative products and sincere service,Promptly satisfy the enterprise financial service needs.

　　此外，交通银行和“七市一区”联合启动了银政全面战略合作签约仪式，今后交通银行为珠海、佛山、梅州、东莞、中山、江门、湛江、横琴新区经济建设提供资金支持。会上，交通银行还与造纸和家电行业的两大巨头东莞玖龙纸业有限公司和广东美的生活电器制造有限公司签订了产业链合作协议。

In addition,Bank of communications and"Seven city area"United started the silver administration comprehensive strategic cooperation signing ceremony,Bank of communications in the future for zhuhai/foshan/meizhou/The dongguan/zhongshan/jiangmen/zhanjiang/Hengqin new city economic construction to provide financial support.meeting,Bank of communications and paper making and home appliance industry of the two giants nine dragons paper co., LTD. And guangdong beautiful life electric appliance manufacturing co., LTD. Signed a cooperation agreement industry chain.

　　光大银行推出小微采购卡“易快发” Everbright bank roll out small micro purchasing card"Easy fast hair"

　　日前，光大银行向小微企业推出小微采购卡“易快发”。据介绍，该采购卡当日审批、一天内完成支付、无抵押贷款单户授信高达200万元，创新使用了由供应链的上游挑选相对优质的下游企业，采取担保、缴纳保证金的形式，由银行解决下游融资、上游资金回笼等问题。在这一过程中，小企业仅需提供身份证和申请表，即可办理业务，手续极其便捷。审批通过后，由银行直接向上游企业定向支付货款，下游企业也可选择1至24期等期数分期向银行偿还贷款。据光大该业务经理介绍，目前广州已在审批的核心企业已有四五十家，发出的信用卡达到四五百张，已授信额度超过亿元。

a,Everbright bank to small micro enterprise roll out small micro purchasing card"Easy fast hair".According to introducing,The purchasing card that day for examination and approval/In a day to complete the payment/Unsecured loan single household credit is as high as 2 million yuan,Innovative use of the supply chain upstream select relative quality downstream enterprise,Take guarantee/The form of a deposit,To solve the bank financing downstream/Upper withdrawal of funds problems.In this process,Only small businesses to provide id card and application form,Can deal with business,Procedures extremely convenient.After examination and approval by,By the bank directly to the upstream enterprise orientation the payment,The downstream enterprises can also choose 1 to 24 period of nper stage to the bank to repay the loan.According to forward the sales manager is introduced,At present guangzhou has set up a file in the examination and approval of the core enterprise has forty or fifty home,A credit card to a -,Line of credit has more than one hundred million yuan.

　　招商银行(600036,股吧)“手机钱包”正式发布 Merchants bank(600036,guba)"Mobile wallet"Issued a formal

　　昨日，招商银行正式在全国范围内发布“手机钱包”。

yesterday,China merchants bank officially released across the country"Mobile wallet".

　　据悉，该行“手机钱包”通过将银行卡加载在内置了安全芯片的3G手机上，实现了手机与银行卡的“合二为一”。买单时，客户只需在收银台具有“闪付Quick Pass”标识的银联POS机上“嘀”一下手机，消费范围将覆盖超市、快餐店、药店、便利店、面包房、咖啡店等不刷卡、不输密码、不找零，消费买单轻松搞定。客户只需将一张招商银行一卡通与“手机钱包”绑定的TOUCH卡进行关联，即可在任何时间、任何地点，使用手机直接为“手机钱包”的账户进行充值，每次最多1000元。

It is reported,The bank"Mobile wallet"The bank card loading in the built-in security chip 3 g mobile phones,Realize the mobile phone and the bank"Close 2 for one".When the,Customers need to have at the checkout counter"Flash pay Quick Pass"Identification of unionpay POS"di"The phone,Consumption scope will cover the supermarket/Fast-food restaurant/pharmacy/Convenience store/bakery/The coffee shop can't charge/Don't lose the password/Don't change,Consumption easily get pay.The customer will only a China merchants bank card and"Mobile wallet"The binding of TOUCH card for the correlation,Can at any time/Any place,Using a mobile phone for directly"Mobile wallet"On account of the cost,Every time up to 1000 yuan.