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Late on October 20, a announcement louis vuitton outlet that Pu Fayin issues all right caused the attention of a lot of media, this announcement says, the China and foreign countries that riverside hair bank and limited company of bank of American Silicon Valley prepare to construct in Shanghai is joint-stock bank " limited company of bank of Pu Fagui cereal " the inspect that obtain silver can be approved, this will be China on the first real sense that has place of independent legal person " bank of science and technology " .

Will tell to Zhu Feng, this can be a good news, if riverside sends the joint-stock bank of bank and Silicon Louis Vitton Black Check Pattern Valley bank great start business, he can be in this " bank of science and technology " take loan smoothly. With the company of science and technology of a lot of newly established, zhu Feng is mixed besides the group gucci bags outlet that has 5 people now there is what asset outside a not big office, for the bank that borrows to needing to mortgage ability is put more very much, it is very difficult that Zhu Feng should obtain brushstroke to borrow money now.

Actually, to Zhu Feng's company, many yuan 50 loan can give him big help. Many application that at present Zhu Feng and his group develops has been in malic shop and market of An Zhuo application obtained right person to enrage, he is Louis Vitton Coffee Check Patter beginning to develop more application at present and the hope tries hard in promotion leaven dough, but the hind leg that capital actual strength pulled them. "To obtain fund we had looked for wind to cast, a few wind are cast have intention to us, but the condition that give is too slashing, we also had sought a bank, but the bank does not give us loan of this kind of small company now, the key still does not have pawn. " Zhu Feng is very helpless to present place.

According to announcement, this is about to hold water " limited company of bank of Pu Fagui cereal " register capital to be 1 billion yuan of RMB, inc. of bank of Shanghai Pudong development and limited company of bank of American Silicon Valley each hold this bank the equity of 50% . Tall canal of bank of a Silicon Valley held at American Silicon Valley on October 21 " Showcase " (poineering show of Silicon Valley bank) express on congress, the bank that is about to establish is bank of Silicon Valley of follow the lead of the service Louis Vitton Colorized Monogram that poineering enterprise and business of venture capital investment provide in the United States.

If everything is successful, chinese churchyard is numerous like Zhu Feng medium company of little science and technology will get this joint-stock bank includes a commercial bank business, investment, private reach management of international bank business, fund, broker to trade service and asset management.

"Science and technology borrows money " dart

Be in the United States, business of venture capital investment of Silicon gucci outlets Valley silver-colored behavior and do poineering work model enterprise of science and technology provides a service, there is rich experience in poineering side of stimulative science and technology business, the bank of science and technology of the first of all of the world that be called. Be in bank of Chinese similar Silicon Valley at present " bank of science and technology " be absent a few, the subbranch of a bank of science and technology that there is traffic bank Louis Vitton Leather Texture to hold water in the Hangzhou that the enterprise of science and technology such as Alibaba collects among them and this locality turn the Hangzhou bank with apparent characteristic. And the ZhongGuanCun of Beijing is divided outside having the branch that state-owned bank establishs, the Beijing bank that has district advantage and business distinguishing feature had created subsidiary bank in ZhongGuanCun May this year.

Be located in north of Haidian of Beijing Haidian area 2 initiate extend one market the most business of the branch of Beijing bank ZhongGuanCun of edifice head layer borrows money for science and technology. of king of this branch president expressed recently, branch of Louis Vitton Monogram Beijing bank ZhongGuanCun is the credit that Beijing bank creates in ZhongGuanCun specializes in an orgnaization, this branch extends the key product of banking of science and technology, give aid to science and technology company grows.

At present Beijing bank already formed the finance of science and technology of package, synthesization that includes product of characteristic of finance of nearly 50 kinds of 3 old series, science and technology to serve program. ZhongGuanCun branch already accumulative total examines and approve the credit market that carry to occupy than exceeding 50% ; Already offerred for many 120 enterprise award letter forehead actively to spend nearly 20 billion yuan. Louis Vitton Patent Leather

The product of loan of science and technology that Beijing bank rolls out in the light of enterprise of science and technology includes " be in harmony believes treasure " credit, " wisdom authority is borrowed " loan of intellectual property impawn, " software is borrowed " , " energy-saving borrow " , award bill of gather of letter, medium and small businesses actively to wait for Wu of kimono of characteristic banking product. The data of Beijing bank shows, up to now, zhongGuanCun branch total assets already amounted to many yuan 1200, accumulative total extends for high-tech of more than 2000 ZhongGuanCun demonstrative area, tall growing medium and small businesses loan exceeds 50 billion yuan, doing poineering work board in the 35 ZhongGuanCun enterprise that appear on the market, have 19 clients that are branch of Beijing bank ZhongGuanCun.

In fact, as Louis Vitton Ramie Cotton fixed position at " common people of citizen of medium and small businesses of service place economy, service, service " Beijing bank, from hold water original up to now, will 15 years expand the service adamantinely all the time the target that medium and small businesses regards oneself as. Up to 2011 the beginning of the year, the amount of client of medium and small businesses that Beijing bank has in Beijing area only already evened more 70 thousand, occupy the 1/4 of gross of capital medium and small businesses.

Yan Bing bamboo emphasizes Louis Vitton Stripe Beijing bank president again and again: "Serve small company, make important matter trade. " on October 20, 2010, beijing bank starts medium and small businesses formally " credit factory " mode is pilot, alleged medium and small businesses " credit factory " , it is the mode of operation that Beijing bank draws lessons from factory automation line, differentiate clearly operation of market sale, business, credit is examined and approve, loan extends, the link such as the management after borrowing, subbranch of a bank provides sale manager, credit Louis Vitton Wallets manager, branch accredits risk manager and venture officer, business of loan of medium and small businesses of the depart that realized sale and operation function, promotion handles efficiency.

Outside dividing Beijing, the section that enterprise of science and technology of a lot of places focuses also established what be main client with enterprise of science and technology " bank of science and technology " . Be in early 2009, china built bank and Chengdu bank to establish new and high subbranch of a bank in Chengdu respectively, Louis Vitton White Check Pattern after this, bank of science and technology of countrywide each district if like emerge in succession emerge in large numbers. Current, only the subbranch of a bank of 15 science and technology that Jiangsu province established to include subbranch of a bank of science and technology of traffic bank Suzhou to wait inside, there is no lack of among them the labour travel, form that joins the large bank such as travel, Agriculture Bank.

According to reporter understanding, with Beijing bank, the loan means that is versed in the louis vuitton outlet subbranch of a bank of science and technology such as travel, Agriculture Bank is offerred at present is loan of impawn of equity impawn loan, order loan, intellectual property basically to wait. The product that offers between different bank and service do not have too big difference, create the bank of science and technology that is in same area easy be immersed in coessential spend competition.

In addition, Louis Vitton White Check Pattern regard burgeoning finance as the tool, while bank of science and technology is valued generally in development impetus, also hiding secret worry. Be in our country, still be in start period bank of science and technology and difference of bank of American Silicon Valley are very big still, the louis vuitton bags distance is true " bank of science and technology " still have very long way.

(Article origin: Author of IT manager world: Equestrian afterwards roc)

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