中国网浪潮资讯 贷款难一直是小微企业发展的掣肘，如今，诚信能“换钱”这样的事情就发生在浙江。

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，浙江省工商局与交通银行股份有限公司浙江省分行携手助力“小微企业三年成长计划”，首次推出“守重信用贷”，对接扶持浙江省AAA级“守合同重信用”公示企业，解决中小企业融资难、融资贵、融资繁等问题。

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.

　　信用作为企业的“无形资产”，其附加值日益凸显。“守重信用贷”将企业的“无形资产”信用与“有形金融”搭建了桥梁。据悉，被评定为AAA级“守合同重信用”企业在符合相关法律法规及交行信贷政策的情况下，可获得最高200万元人民币的信用额度。

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.

　　活动当天，巨匠建设集团股份有限公司等四家企业喝到头口水，与交行现场签订了“守重贷”授信协议，共获得了5000万元的意向授信额度。同时，第一批获得省交行授信的22家企业正在走授信流程，总意向授信额度在1.2亿元以上。

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.

　　据悉，从1985年开始，浙江省工商部门就开展“重合同守信用”认定工作，2002年以后根据国家工商总局的要求和浙江省“重合同守信用”工作的实践统一更名为“浙江省工商企业信用等级守合同重信用单位”认定。2012年，国家工商总局在“守重”工作机制上做了重大调整，由原来的“认定”改为“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".

　　为此，从2016年开始，浙江省将“浙江省工商企业信用等级守合同重信用单位”认定更改为“浙江省守合同重信用企业公示”。30多年来，经过不断地实践和改进，浙江省工商局在企业“守重”公示（认定）上形成了一套完整的体系和办法。“守合同重信用”已成为企业参与竞争的加分项目，如建筑、药品集中采购、信息化项目等许多招投标活动，甚至也成为浙江企业走出省外，参与全国经营活动的准入门槛。

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.

　　统计显示，目前全省在公示（认定）的AAA级“守合同重信用”企业共有2681家，截止今年10月底，浙江现有企业主体数量是192万多家，能够成为AAA级“守合同重信用”公示企业，基本是千分之一点四的比例。

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.

　　浙江省工商局局长冯水华表示，“‘守重贷’是政银企三方合作的新模式，在全国工商系统和银行业中都是首创，没有现成的经验可以借鉴，可能在这个过程中还会遇到这样那样的问题，但是我相信，只要我们本着帮助企业健康发展的一颗真心，我们的付出就一定能结出丰硕的成果。我们要强化用户导向，注重用户体验，倾听企业心声，让企业更多地参与到金融服务解决方案中，真正得到更多的实惠、有更强的获得感。”

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：张渊 王思杨 见习作者：吕金津  翻译：杜依依）

来源： 中国网    | 作者：：张渊 王思杨 见习：吕金津 翻译：杜依依    | 责编：王思杨    审核：张渊

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