The central bank announced the day before yesterday that it will raise the deposit reserve ratio by 0.5 percentage points to 16.5% in May 20th, which means that under the tight monetary policy, it will be even more difficult for small and medium-sized enterprises to make loans.

However, yesterday, Standard Chartered Bank promoted small and medium enterprises' unsecured small loans.

It is learnt that through the bank, SMEs can borrow up to 1 million yuan without collateral.

This is the first time that the Nanjing market has launched a completely unsecured SME loan.

At the same time, reporters learned that, in response to the request of the CBRC to increase the effective credit input to small businesses this year, many commercial banks and Guarantee Corporation in Nanjing also promoted new products to help SMEs solve the financing problems of SMEs.

The "mortgage difficulty" and "guarantee difficulty" have always been a "stumbling block" for small and medium-sized enterprises. Because the collateral that banks can accept is very limited, they usually only include real estate and certificates of deposit, but small businesses are usually in the development stage and have few fixed assets. Even if they are in good operation, it is difficult to provide collateral.

Standard Chartered Bank has made special design according to the operation characteristics and needs of domestic small and medium-sized enterprises. For the first time, it really adopted the mode of credit loan to meet the demand of small and medium-sized enterprises' liquidity or one-time large amount of capital.

It is reported that all small businesses that have registered for more than 3 years in the Ningxia city only need to provide Standard Chartered Bank with detailed business status materials such as business licenses, tax registration certificates, bank statements, financial statements, etc., and then fill in a simple application form to apply for loans. The loan period varies from 1 years to 3 years, and the maximum annual interest rate of loans is not more than 18%.

According to the reporter, this year, Nanjing's commercial banks have also come up with a plan for financing small and medium-sized enterprises.

Among them, Nanjing branch of Minsheng Bank has innovated the mode of mortgage loan by private owners, which has changed the way of real estate mortgage that formerly can only be changed into accounts receivable, movable property and mutual guarantee between enterprises. It can participate in the mortgage. The Shenzhen Development Bank has launched the "pool small and medium-sized enterprise financing" product which only applies the receivable account receivable to the bank to apply for loans.

At present, there are still many Guarantee Corporation in the mode of innovative guarantee, for the lack of collateral, but the growth of good small and medium-sized enterprises and banks to build a platform to solve the financing difficulties of SMEs.

Nanjing Xin letter Guarantee Corporation has launched 7 innovative anti guarantee measures at one breath for the scientific research and growing small and medium sized enterprises which are in urgent need of capital yesterday, such as the property and vehicles that are not mortgaged by the bank can be given to the Guarantee Corporation for anti guarantee; the enterprise can use its ownership as the subject matter of the pledge, and give a certain loan guarantee on the basis of examining the enterprise patent right and the actual value of the trademark right.