中國網浪潮資訊 貸款難一直是小微企業發展的掣肘，如今，誠信能“換錢”這樣的事情就發生在浙江。

The loan difficulty has been an obstacle to the development of Small and micro businesses, today, integrity "exchanging money" happened in Zhejiang.

　　11月15日下午，浙江省工商局與交通銀行股份有限公司浙江省分行攜手助力“小微企業三年成長計劃”，首次推出“守重信用貸”，對接扶持浙江省AAA級“守合同重信用”公示企業，解決中小企業融資難、融資貴、融資繁等問題。

Zhejiang Administration For Industry& Commerce and Bank of Communication, Zhejiang Branch hand in hand to help "Small and Micro Businesses 3-year Growth Plan", launched a ‘abidance and credit loans’, docking support Zhejiang province AAA class publicity businesses, which "abide by contract, and pay attention to credit" to solve the financing difficulties of SMEs.

　　信用作為企業的“無形資産”，其附加值日益凸顯。“守重信用貸”將企業的“無形資産”信用與“有形金融”搭建了橋梁。據悉，被評定為AAA級“守合同重信用”企業在符合相關法律法規及交行信貸政策的情況下，可獲得最高200萬元人民幣的信用額度。

As an intangible asset of an enterprise, credit’s added value has become increasingly prominent. "Abidance and credit loans" sets up a bridge between the intangible assets- credit and the "tangible finance" of the enterprise. It is reported that the "abide by contract, and pay attention to credit" enterprise has been rated as "AAA", and in accordance with the relevant laws and regulations and bank credit policy, they can obtained the highest credit limit of RMB 2 million yuan.

　　活動當天，巨匠建設集團股份有限公司等四家企業喝到頭口水，與交行現場簽訂了“守重貸”授信協議，共獲得了5000萬元的意向授信額度。同時，第一批獲得省交行授信的22家企業正在走授信流程，總意向授信額度在1.2億元以上。

On the day of the event, four enterprises such as JuJiang Group get the benefit firstly, and signed an "abidance and credit loans" credit agreement with the Bank of Communications, and obtained a total of 50 million yuan intention credit line. At the same time, the first batch of 22 provincial credit companies are taking credit process, the total intention line of credit is more than 120 million yuan.

　　據悉，從1985年開始，浙江省工商部門就開展“重合同守信用”認定工作，2002年以後根據國家工商總局的要求和浙江省“重合同守信用”工作的實踐統一更名為“浙江省工商企業信用等級守合同重信用單位”認定。2012年，國家工商總局在“守重”工作機制上做了重大調整，由原來的“認定”改為“公示”。

It is learnt that from 1985, ZAIC has carried out the "abide by contract, and pay attention to credit" identification work. After 2002, according to the requirements of the State Administration for Industry and Commerce and the practice of "abide by contract, and pay attention to credit" in Zhejiang Province, it was renamed as "Zhejiang industrial and commercial enterprises credit rating, abide by contract, and pay attention to credit unit" identification. In 2012, the State Administration of industry and Commerce made a major adjustment in the work mechanism of "abidance and pay attention", which was changed from original "identification" to "public notification".

　　為此，從2016年開始，浙江省將“浙江省工商企業信用等級守合同重信用單位”認定更改為“浙江省守合同重信用企業公示”。30多年來，經過不斷地實踐和改進，浙江省工商局在企業“守重”公示（認定）上形成了一套完整的體系和辦法。“守合同重信用”已成為企業參與競爭的加分項目，如建築、藥品集中採購、資訊化項目等許多招投標活動，甚至也成為浙江企業走出省外，參與全國經營活動的準入門檻。

To this end, from 2016, Zhejiang changed "Zhejiang industrial and commercial enterprises credit rating, abide by contract, and pay attention to credit unit" into "Zhejiang abide by contract, and pay attention to credit unit public notification". For more than 30 years, through continuous practice and improvement, ZAIC has formed a complete system and method in the publicity of enterprise's "abidance and pay attention". "Abide by contract, and pay attention" has become a bonus project for enterprises to participate in competition, such as construction, drug centralized procurement, information technology projects and many other bidding activities, and even become access threshold of Zhejiang enterprises to go out of the province, to participate in the national business activities.

　　統計顯示，目前全省在公示（認定）的AAA級“守合同重信用”企業共有2681家，截止今年10月底，浙江現有企業主體數量是192萬多家，能夠成為AAA級“守合同重信用”公示企業，基本是千分之一點四的比例。

Statistics show that at present, there are 2,681 "abide by contract, and pay attention" enterprises with public (identified) AAA class in Zhejiang. As of the end of October this year, the number of existing enterprises in Zhejiang is the main more than 1.92 million, and public enterprises which can become AAA class "abide by contract, and pay attention", are basically 1.4/1000.

　　浙江省工商局局長馮水華表示，“‘守重貸’是政銀企三方合作的新模式，在全國工商系統和銀行業中都是首創，沒有現成的經驗可以借鑒，可能在這個過程中還會遇到這樣那樣的問題，但是我相信，只要我們本著幫助企業健康發展的一顆真心，我們的付出就一定能結出豐碩的成果。我們要強化用戶導向，注重用戶體驗，傾聽企業心聲，讓企業更多地參與到金融服務解決方案中，真正得到更多的實惠、有更強的獲得感。”

Feng Shuihua, director of the ZAIC, said, "‘abidance and credit loans’ is a new mode of cooperation between the government, banks and enterprises, and is the pioneer in the national business system and banking industry. It has no ready-made experience to learn from, and may encounter such and such problems in the process. But I believe that as long as we are in line with the spirit of helping enterprises develop healthily, our efforts will surely produce fruitful results. We should strengthen the user orientation, pay attention to the user experience, and listen to the voice of enterprises, so that can enterprises join in the financial services solutions more, and truly get more benefits, having a stronger sense of access."

　　（作者：張淵 王思楊 見習作者：呂金津  翻譯：杜依依）

來源： 中國網    | 作者：：張淵 王思楊 見習：呂金津 翻譯：杜依依    | 責編：王思楊    審核：張淵

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