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Joint household guaranteed loans by the Grameen Bank in Bangladesh in the 1970s, the invention is aimed at eliminating absolute poverty in rural Bangladesh and credit funds to support a proposed model. This model grant small loans by five to ten farmers as a group relative to the Internet security ups france approach. Mutual promoted by team members, a crew of non-payment, the entire team is disqualified from further loans. Promoters joint household model Yunus guaranteed loans thus obtained ups france in 2006 the Nobel Prize in economics. In China, this form has not been extensive credit ups france business, even in this business of bank credit target are mostly farmers, to a limited extent in SMEs undertaken. SMEs in China is mainly due to the credit ups france system is not yet complete, SMEs lack of mutual trust, and mutual understanding between enterprises ups france often have real relationship, ups france in order to avoid the risk of such an industry, households can not enter UNPROFOR ups france body. With the development of industrial clusters and large-scale centralized logistics, China Industrial Bank Jinan Branch select this option UNPROFOR joint household business model should be promoted in large logistics market.
5, pay taxes without economic disputes and no bad credit record.
2, tax registration certificate;
First, the joint household guaranteed loans effective solution to support individual private economic development and financial risks of the combined problem. Practice has proved that four joint household risk defense guaranteed loans set loose shape, in fact, on the basis of common interests, the use of economic instruments to industry, households, market management committee, industry self-regulatory organization of individual households and credit unions organically ups france combined together, ups france the daily operation of the industry, households always included in the scope of supervision and management, it is more comprehensive risk prevention mechanism. Especially joint household UNPROFOR team is composed of mutual understanding in the industry, households, based on the loan officer is much more detailed study than examine in depth between them. Meanwhile joint household UNPROFOR and that they may form a shared interest, risk-sharing community, not only collaborate with each other, and mutual ups france supervision, the establishment of a major line of defense to prevent risks. It is also not comparable ups france to other loan features, it is the key to the joint household guaranteed loans has strong vitality.
Second, the potential market is huge, joint household guaranteed loans should continue to broaden the scope of business. Joint household guaranteed loans through development to private businesses within the market as the main support objects, not only made great economic benefits, but also to get a better social benefits. As follows: First, the market has increased efforts to support and enhance the economic radiation function, promotes regional economic and financial center. According to statistics, more than 98% of individual businesses and private enterprises, the market turnover at the end of 2003 the proportion of retail sales reached 89 percent, driven by the active market logistics ups france development is conducive to the formation ups france of flow, information flow, capital effect of flow distribution, improve concentration and radiation center of the city. Second, many individual businesses within the market has accumulated a wealth of experience, once the injection of funds, their rich fission energy will occur rapidly becoming the accumulation of wealth by the accumulation of experience. Through three years of support, market fund industry, households margin was significantly higher than other industries, their demand for funds is also growing, driven by market development and the regional economy is also growing. The third is to increase the capacity of the market to absorb laid-off workers and rural labor force.
Third, the development of the competition, you must highlight the operating characteristics of the local financial institutions. In recent years, the financial markets in Jinan City, the competition is becoming increasingly fierce commercial banks, especially large banking institutions chase fewer big-effective loans, loan concentration caused on the one hand, capital efficiency decline, on the other hand a large number ups france of individual private Enterprise shortage of funds, "Loan difficult", "hard loan" problem exist. Faced with fierce competitive situation, small banks at a disadvantage in the capital, and other aspects of the settlement must be based on its own characteristics and advantages, ups france not compete with the big banks business, careful research, and actively promote, dare according to the needs of economic development and risk prevention requirements and reform the existing loan office.
Second, policy and commercial lending funds to promote each other. Therefore, the current policy of the Fund to integrate security agencies, the dispersion is concentrated, to develop a scientific assessment methods, and reduce the threshold of a secured loan, in accordance with the first laid-off workers, the private enterprises in order to support and solve security conditions and guarantee the high concentration of problems. Under the premise of risk prevention, with emphasis on promoting rational policy guarantee fund, efficient use, really play "skillfully deflected the question" role, with less funding policies ups france to attract more credit enlarge funds to achieve the purpose multi revenue.
Third, actively explore new ways of leading driven, with the funds as "glue" and "catalyst" to promote leading enterprises to absorb laid-off workers and drive more rural labor. Fourth, government at all levels, labor, trade unions, women's ups france federations, the Communist Youth League and banking sectors to play their respective advantages, and to establish information exchange ups france mechanisms and policies supporting interactive play together various departments, increasing efforts to support private ups france businesses.
Second, improve the management of the joint household credit guaranteed loans, providing a "package" comprehensive credit services. According to the current development of private economy are quite different situation, should ups france be treated differently, classification support, with a certain economy of scale, well-funded, there is a certain individual businesses or private mortgage assets to improve their credit limits, especially For those property rights, market products, a better relationship with the bank's ups france private enterprises, joint household divided by the support of guaranteed loans, it should also provide short-term liquidity loans set, bankers' acceptances, commercial acceptance bills, bills discounting, etc. Credit species in one of the "package" credit services, credit unions after the inspection by the authorized maximum loan limits, within the limits ups france of independent use of integrated credit business funds.
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