Deeply grasp the reform of commercial value credit loans to help the special vehicle industry take off

On June 17, leading experts from the Provincial Government Office and the Provincial Department of Economy and Information Technology visited our company to investigate the progress of the pilot reform of commercial value credit loans. Through on-site inspections and discussions, the research team gained an in-depth understanding of Huate's exploration and practice, experience and challenges in the reform, and provided accurate pulses and suggestions for the high-quality development of the company and the special vehicle industry.

In order to comprehensively evaluate the effectiveness of the pilot reform of commercial value credit loans in our province and solve the financing problems of small, medium and micro enterprises, the leading experts of the research team of the Provincial Government Office and the Provincial Department of Economy and Information Technology visited Huate Company to carry out in-depth research. Wang Lunke, general manager of the company, and the heads of relevant departments warmly received and accompanied the whole process.

The research team focused on the four core dimensions of work promotion mechanism, typical experience and practices, main problems and shortcomings, and reform effectiveness evaluation, aiming to provide fresh samples and decision-making basis for the deepening of reform in the province.

At the symposium, the company's leaders reported in detail to the research team on Huate's active participation in and promotion of commercial value credit loans under the framework of provincial, municipal and county levels and industrial clusters

Sound coordination mechanism: Huate actively integrates into the coordination mechanism established at the city and county levels and special vehicle industry clusters, and actively responds to the government's call. At the city/county level, a special implementation plan has been formulated, and a normalized government-bank-enterprise communication platform has been established with the participation of government departments, financial institutions, and key enterprises to ensure information exchange and direct demands.

Supporting policy implementation: The company really feels the policy dividends brought by the reform. The local government has provided a resource tilting mechanism in the reform pilot, and Huate, as a key enterprise, has received priority support in policy coverage and resource docking, effectively reducing the financing threshold.

Internal mechanism response: Huate has also established a rapid response mechanism internally, and designated special departments and personnel to connect with the work related to commercial value credit loans to ensure that policies are communicated in the first time, needs are fed back in the first time, and problems are coordinated in the first time.

Our company focuses on innovative practices in cooperating with government departments and enterprise library construction. Relying on our deep accumulation in the field of special vehicles, we actively participate in the construction of the "portrait of the special vehicle industry chain", providing financial institutions with more accurate industry cognition and enterprise value judgment dimensions. At the same time, we will explore a hierarchical classification management model based on the actual business performance, innovation ability and credit record of enterprises, so as to help improve the quality and evaluation efficiency of warehousing enterprises. This innovative mechanism has received great attention from the experts of the research team.

In terms of innovative financing models, our company shared a successful cooperation case with Suizhou Rural Commercial Bank. The two parties jointly created the exclusive credit product "Special Car Loan" for the special vehicle industry chain, and opened up a green approval channel to achieve rapid response and efficient approval of loan applications.

The special vehicle industry is cyclical and the amount of a single order is large, and the risk assessment model of some financial institutions for non-standardized products still needs to be optimized, and there is a certain phenomenon of "incomprehensible and incomprehensible", which affects the confidence and efficiency of loan delivery. It is hoped that the evaluation model can be more relevant to the characteristics of the industry. He conducted in-depth discussions with the research team on issues suchs as the applicability of financial institutions in risk assessment models, the phenomenon of "hot at the top and cold at the bottom" that may be caused by the different understanding of the spirit of reform by some grassroots institutions, and how to better promote the deep integration of reform policies and banking business, and put forward constructive suggestions.

Our company reported to the research team the personal feelings of the beneficiaries of commercial value credit loans: the financing convenience of our company and its supply chain partners has been greatly improved, the efficiency of loan acquisition has been improved, the financing cost has been effectively reduced, and the credit rate has been significantly improved, which has effectively alleviated the pain point of "difficult and expensive financing", and enhanced the confidence and confidence of enterprise development.

In their concluding speeches, the leaders of the research team fully affirmed the phased results achieved by our city and our company in promoting the reform of commercial value credit loans, and especially praised the exploration of Huate Company in the construction of industrial chain portraits and the innovation of bank-enterprise in-depth cooperation models, which have preemptive demonstration significance and important promotion value. At the same time, the research team said that it would carefully sort out the problems and suggestions reflected by our company, promote the continuous optimization and improvement of relevant mechanisms, and provide strong support for the province to deepen this reform.

The trip of the provincial research team is not only a spur and encouragement to the work of Huate Company, but also a strong confidence and impetus for our company and even the province's special vehicle industry to break the financing bottleneck and achieve high-quality development. Huate Company will continue to deepen the field of special vehicles, drive development with innovation, create value with integrity, make full use of financial policies such as commercial value credit loans, accelerate the move towards intelligence, green and high-end, and contribute more to the high-quality development of the manufacturing industry in our province!