陈俊：在免押服务繁荣的杭州，中小企业的机遇来了
“上有天堂，下有苏杭”，扎根于民营经济最为活跃的长三角，素来有“创业天堂”“中国电子商务之都”之称的杭州，近日又被媒体（《China Daily》）盯上了！
这一次，不再是对其“车让行人”“文化韵味”“唯美环境”等的赞颂，而是客观描述了信用机制逐渐完善、人们信用度不断提升所带来的“免押”服务繁荣发展下的杭州。而浙江大学管理学院财务与会计学系副主任陈俊教授在接受《China Daily》记者采访时，更是由此揭开了“免押”服务蓬勃发展为中小企业，或“有创业好点子但没钱执行”的人群所带来的发展新机遇。（报道于7月18日发布）
刊载原文
In Hangzhou, good credit brings people deposit-free services
Residents with good credit in Hangzhou, Zhejiang province, will be able to avoid paying deposits for a number of services, including bicycle rentals, and hospital or hotel reservations.
The city launched its Credit Hangzhou app last month, making it easier for people to check their own credit records and search for services they can use deposit-free-if the credit score is high enough.
It also vowed to promote more daily use of the app to make credit ratings a "gold pass" in the city.
An official with the Hangzhou development and reform commission said the city will work with the travel, transportation and lodging sectors to enable those who study, work and travel in the city to avoid paying deposits.
The call also received a warm response from e-commerce giant Alibaba, which is headquartered in Hangzhou. Zhima Credit, its online credit scoring platform, has 7.28 million registered users in the city, with 3.69 million reaching the bench mark for deposit-free services.
That means one-third of Hangzhou residents can now enjoy deposit-free services in such things as bicycle-sharing and hotel accommodations, with 14.3 billion yuan ($2.21 billion) in deposits waived.
"We will continue to work toward popularizing more deposit-free services and applications," said Min Rui, deputy general manager of Zhima Credit. She added that the company aims to help users waive 100 billion yuan in deposits over the next year through business stimulation and product upgrades.
Chen Jun, a professor at Zhejiang University's School of Management, told China Daily that Hangzhou, with its booming internet sector and role as a hub of internet financing and third-party payment firms such as Ant Financial, has unique advantages in fostering such deposit-free services.
To further facilitate the sound development of startup enterprises, the city also vowed to boost business innovation by allowing small and medium-size startups with good credit to rent office space and equipment without paying deposits.
"This is of great significance, since in China difficulties in financing have long been a bottleneck that hinders the healthy development of SMEs. It will be good news for those entrepreneurs with good credit records who have really creative business plans and innovative ideas," Chen said
信息来源：《China Daily》
