In order to strengthen small businesses, home processing of household financial services, promote economic development umbrella parts, recently, rural cooperative banks Songxia Shangyu Branch reported to the approval of their superiors, introduced the "small block parts of the umbrella company, home loan processing household business management approach" (Trial), which is the bank's implementation of the "line of a product" new ideas and helping business owners to take a new brand of special businesses.

Sung Ha town, "China Umbrella City" location, engaged in the umbrella parts industry, there are 317 individual and private enterprises, individual industrial and commercial households in 441, without a license processing of households 896 households. Sung Ha branch in view of the provisions of the existing loan no longer meet the development needs of the new situation (for example, no business license individuals in the past not loans) is not conducive to the economic development umbrella parts increased by introduction of loans reported to the approval of their superiors new approach (Trial) A total of eight Chapter 19.

Comparison with the original provisions of the new loan scheme has five major characteristics. First, to extend the term of the loan. In principle, less than one year duration, the longest no more than two years, an approved line of credit, working capital use; Second, preferential loan rates. The implementation of the propertied mortgage interest rate concessions; third time to speed up the lending. Completed within three working days; 4 are not subject to licensing restrictions, as long as premises and repayment ability, a natural person credit no longer subject to business license restrictions; 5 is the approval authority to relax. Branch approved credit authority, micro and small enterprises does not exceed 100 million households in the family processing less than 30 million; branch loan granted permission, micro and small enterprises not more than 50 million households in the family processing no more than 30 million, which in the past sub - Li Department granted permission to 100,000 yuan loan has a very different. The new measures apply for a loan convenient, loan threshold was lowered, so far 12 credit, credit the amount of 6.65 million, while credit lending side, so well received by the masses.