New Bank Measures To Reduce The Threshold Of Micro Shoe Enterprises Loan
The near future,
China Merchants Bank
Shanghai branch launches personal
Business loans
The "market loan" is mainly oriented to the wholesale of spot commodities.
retail
A private trader in a centralized trading market or business circle.
The amount of loans per household can reach up to 3 million yuan, and the longest period of credit is 3 years.
"Market loan" has four major characteristics.
threshold
Lower in the professional market approved by the bank, individual operators who meet the requirements of operating years and assets scale can obtain loans. Two, the process is simpler, and personal operators do not need to provide financial materials such as corporate financial statements. Three, the form of guarantee is more diverse. Individual operators can use multi person joint guarantee, professional market management guarantee, professional market shops or booth renting, mortgage and other effective pledge methods. Four, repayment is more flexible, and individual operators can save interest through online banking.
At present, China Merchants Bank's "market loan" choice is mainly based on the wholesale market of fast-moving consumer goods, giving priority to services, shoes and hats, leather goods, home textiles, furniture, food, household appliances and so on.
Terminal consumption
Commodities market or raw materials market such as cloth and leather.
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