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近年来,湖南省长沙市芙蓉区信用联社结合城区经济发展的特点,以辖区内个体工商户、私营中小企业为主要服务对象,创造性地推出了“金钥匙”工程——小额商贷。这个新的金融产品不但拓宽了信贷营销的领域,还实现了农信社、客户和商贸市场的多赢。产品推出的短短三年间,芙蓉区联社累计接待咨询客户5000多人次,向3161个客户累计发放小额商贷32001万元,余额34608万元,占全区农信社贷款总额的30％,实现综合效益3000万元。
In recent years, the Furong District Credit Union of Changsha City, Hunan Province, combined with the characteristics of urban economic development, has taken the initiative to launch the “Golden Key” project - a small amount of commercial loans with individual industrial and commercial households and privately-owned small and medium-sized enterprises under its jurisdiction as the main service targets. This new financial product has not only broadened the scope of credit marketing, but also won the trust of rural credit cooperatives, customers and commerce and trade markets. The product introduced a short span of three years, Furong District Association received a total of more than 5,000 consulting customers, to 3161 customers accumulated small business loans 320,100,000 yuan, the balance of 346,080,000 yuan, accounting for the region’s total credit loans 30% , To achieve a comprehensive benefit of 30 million yuan.