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The development trend of the whole quality of the motor wind vane maintenance factory
2016-11-10

In the face of oversupply situation of motor industry, the bank should find customers in the "excess", with patent technology, pay attention to their own intellectual property rights of enterprises lock for quality customers, and try to avoid in order to short-term profits and higher credit risk of small enterprises.
For small and medium-sized enterprises, to encourage banks to issue credit loans under the premise of risk control; in addition to various types of loans, banks can also introduce credit, promissory notes and other types of credit business; in order to improve the quality of the loan, the bank can relax the range of collateral. For example, the bank can carry out the right to exclusive use of trademarks, patents, copyrights and other intellectual property rights in the pledge, small business owners or major shareholders of personal property mortgage, pledge; the small business owners or major shareholders of personal property and business owners guarantee, joint guarantee, economic union, with the guarantee of export credit insurance instead of the security and other new form of loan guarantees, to minimize the risk.
According to the characteristics of small business loans, you can check the overall quality of the small business enterprise credit, to abandon the traditional single pen, single family loan assessment practices. At the same time, the adjustment of credit conditions, emphasis on field trips, focusing on the collection of non-financial information, do not rely solely on financial statements and guarantees. At the same time, it is recommended that the bank adjust the credit evaluation standard, the requirements of the development of small business credit scoring system, outstanding for small business owners or the main shareholders of the individual credit evaluation.
In terms of product structure and varieties, due to the need to save energy and meet the needs of new industrial products, special and special derived products will have a greater development. Such as high efficiency permanent magnet synchronous motor and generator of renewable energy and wind energy, solar energy, tidal energy, gas and other new energy power generation facilities will get rapid development. In addition, the medium and high voltage motors, high voltage and high power submersible pump needs also rapid growth. Therefore, the proposed bank focused on supporting such enterprises.
Key enterprises, suggested that banks focus on Xi'an Motor Group Co. Ltd., Changsha Electrical Machinery Co. Ltd., Jiangsu Dazhong Electric Limited by Share Ltd and other enterprises; in addition, state-owned enterprises in the emerging private enterprises, in order to "backdoor production" approach, and achieved rapid development. Such as Taizhou electric machine factory Nanjing motor factory, Zhejiang merger control Oliver Anhui Chaoyang acquisition motor factory, should also be given attention.
Mainly from the regional perspective, the current small and medium-sized motor high yield provinces were Shandong, Jiangsu, Hebei, Shanghai, Zhejiang, Guangdong and Liaoning and other coastal areas, advised the banks to adjust the credit funds, will tilt to these areas.

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