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胡云兵,是四川广汉市忠汉机械设备市场的一个普通商户。2004年入驻该市场后,因没有足够的固定资产作抵押而无法从银行获得融资支持,他一直靠少量的自有资金进行着简单运作,业务发展一直不见起色。2009年4月,胡云兵的事业发展迎来了一次重大转折。凭借当地农村信用社(以下简称农信社)专门针对他们设计的“商城商户信用共同体贷款”新模式,他如愿以偿地从农信社拿到规模扩张急需的50万元资金。“短短一年多,我的生意完全变了样,经营面积也比贷款前扩大了10倍,由100平方米增至1000平方
Hu Yunbing, Sichuan Guanghan Zhonghan machinery and equipment market, an ordinary merchants. After entering the market in 2004, he failed to obtain financing support from the bank because he did not have sufficient fixed assets to secure financing. He has been operating simplely with a small amount of his own funds, and the business has not seen any improvement. In April 2009, Hu Yunbing’s career development ushered in a major turning point. With the new model of ”Mall Credit Community Loan“ designed by local rural credit cooperatives (hereinafter referred to as RCCs), he got his wish from the rural credit cooperatives to get the urgently needed fund of 500,000 yuan. ”Just over a year, my business has completely changed the kind of business area than the loan before the expansion of 10 times from 100 square meters to 1000 square feet