Shang Fulin: promoting small and micro enterprises upsp to upgrade the financial services | corporate lending specialists - FunBank easy loans currently, China is in a critical period of economic transformation and upgrading. The face of changes in the external environment and the requirements of the internal development of the banking financial institutions are also facing pressure transformation. CPC Central Committee and State Council to support the development of small and micro enterprises as promote upsp strategic adjustment of economic upsp structure, accelerate the transformation of economic development initiatives necessary for. Small and micro enterprises this vast blue ocean, the banking institutions has become a popular choice to explore the transformation. In recent years, regulators banking institutions continue to deepen upsp understanding, enhance innovation, small and micro enterprises in improving upsp financial services capabilities, itself also made considerable progress. In the small and micro enterprises and banking institutions to speed up transformation and upgrading in the context of how small and micro enterprises continue to deepen financial services, leading banking financial institutions to support the healthy development of the real economy, the regulators and bank managers face significant subject.
Large state-owned banks adjust their development strategies to small and micro enterprise business as a new growth point lead in the introduction of foreign advanced models, and their mechanisms, network, manpower advantage upsp by combining small and micro enterprises play a main channel of financial services. Small banks insist on the differences, features development. Some joint-stock banks in the secondary transition will focus on small and micro enterprises as a strategy to increase investment of resources and innovation. Many city commercial banks clear "based on local, based grassroots, community-based" market positioning, the small and micro enterprises as the main target and credit support priorities. Only developed private economy, small and micro enterprises active in Zhejiang province, for example, more than 90% of customers Tyrone Zhejiang Commercial Bank, Bank of Taizhou are all small and micro enterprises, both to support the local economy, but also to break the initial operating difficulties homogenization Bureau.
Banking institutions to increase credit upsp has been an important goal of the regulatory authorities to promote small and micro enterprises in financial services. Especially the 2008 international financial crisis, upsp the impact of small and micro enterprises are more intense. CBRC timely "no less than two" goals (ie, small micro-enterprise loan growth not less than the average growth rate of all loans in increments of not less than last year), urging upsp banks to increase credit for small and micro enterprises invested, and clear "to lay the foundation, highlighting the industry, science and technology as the first" guiding ideology, requiring banks to small businesses to science and technology, focusing on areas of high-quality small businesses and the balance of single-family loans below $ 5 million micro-enterprises inclined to credit resources. In recent years, small and micro business loans steady upsp growth. Main features:
Franchise organizations to promote the construction of small and medium banks. Since 2008, the CBRC issued "Guidance on banks to establish small enterprises specializing in the financial services sector," since there are more than 100 commercial banks have established various forms of franchise organizations dedicated to providing financial services to small and micro enterprises. Merchants Bank was established as a line from the small enterprise credit center in Suzhou, and the establishment of 36 sub-centers in the country. Branch of Minsheng Bank will incorporate upsp all of the franchise system of small and micro enterprises, by the general, small and micro finance branch of the vertical management, "Merchant into branches, merchants into the counter." Zhejiang Bank of franchise organizations provide preferential lending rates in the money line, and the newly established franchise outlets give special fee subsidies.
Internal management has made great progress. Under the "six mechanisms" and "four single principle" guidelines, commercial banks continue to improve the internal systems of small and micro enterprises in financial services, processes, systems, team. Based on the law of large numbers, such as China Merchants Bank, the decision to build the engine upsp system, the use of risk identification and quantification techniques for small and micro business customers to achieve mass risk management strategies. Contractor based bank to develop a single upsp cash flow analysis of single-family technology, customer credit approval procedures of financial information and non-financial information in a logical cross-validation. Tyrone Tyrone commercial banks to establish Zhejiang University, combining job training, the old with the new, more complete form of small micro-enterprise upsp financial services upsp training model.
Business model has made great progress. Such as Bank of China, Construction Bank to introduce credit upsp factory mode, list-style reception bulk marketing approval in the background focus on standardization of maintenance to intensive, large-scale way to serve small and micro enterprises. Some joint-stock banks facing the district, the industrial chain and other small micro-enterprise clusters of customers, according to industry characteristics customized service solutions. Many small banks actively explore community bank model, the use of geo, popularity, genetic superiority, focusing on non-standardized information upsp collection and analysis, small micro-enterprise loans to crack the problem of asymmetric information and network by extending opening hours, street sweeping marketing, production and management depth front line doing surveys and other forms of credit for small and micro enterprises to provide upsp personal service.
Public Welfare Road, Taichung City 367 AMA Global Marketing upsp Limited (site map) 11F-2 Tel :0809-035-039 business loans, business loans, business loans young, green innovation loans, SME loans, FunBank facilitate micro-enterprise credit business upsp loans women business loans, business loans micro Phoenix
Large state-owned banks adjust their development strategies to small and micro enterprise business as a new growth point lead in the introduction of foreign advanced models, and their mechanisms, network, manpower advantage upsp by combining small and micro enterprises play a main channel of financial services. Small banks insist on the differences, features development. Some joint-stock banks in the secondary transition will focus on small and micro enterprises as a strategy to increase investment of resources and innovation. Many city commercial banks clear "based on local, based grassroots, community-based" market positioning, the small and micro enterprises as the main target and credit support priorities. Only developed private economy, small and micro enterprises active in Zhejiang province, for example, more than 90% of customers Tyrone Zhejiang Commercial Bank, Bank of Taizhou are all small and micro enterprises, both to support the local economy, but also to break the initial operating difficulties homogenization Bureau.
Banking institutions to increase credit upsp has been an important goal of the regulatory authorities to promote small and micro enterprises in financial services. Especially the 2008 international financial crisis, upsp the impact of small and micro enterprises are more intense. CBRC timely "no less than two" goals (ie, small micro-enterprise loan growth not less than the average growth rate of all loans in increments of not less than last year), urging upsp banks to increase credit for small and micro enterprises invested, and clear "to lay the foundation, highlighting the industry, science and technology as the first" guiding ideology, requiring banks to small businesses to science and technology, focusing on areas of high-quality small businesses and the balance of single-family loans below $ 5 million micro-enterprises inclined to credit resources. In recent years, small and micro business loans steady upsp growth. Main features:
Franchise organizations to promote the construction of small and medium banks. Since 2008, the CBRC issued "Guidance on banks to establish small enterprises specializing in the financial services sector," since there are more than 100 commercial banks have established various forms of franchise organizations dedicated to providing financial services to small and micro enterprises. Merchants Bank was established as a line from the small enterprise credit center in Suzhou, and the establishment of 36 sub-centers in the country. Branch of Minsheng Bank will incorporate upsp all of the franchise system of small and micro enterprises, by the general, small and micro finance branch of the vertical management, "Merchant into branches, merchants into the counter." Zhejiang Bank of franchise organizations provide preferential lending rates in the money line, and the newly established franchise outlets give special fee subsidies.
Internal management has made great progress. Under the "six mechanisms" and "four single principle" guidelines, commercial banks continue to improve the internal systems of small and micro enterprises in financial services, processes, systems, team. Based on the law of large numbers, such as China Merchants Bank, the decision to build the engine upsp system, the use of risk identification and quantification techniques for small and micro business customers to achieve mass risk management strategies. Contractor based bank to develop a single upsp cash flow analysis of single-family technology, customer credit approval procedures of financial information and non-financial information in a logical cross-validation. Tyrone Tyrone commercial banks to establish Zhejiang University, combining job training, the old with the new, more complete form of small micro-enterprise upsp financial services upsp training model.
Business model has made great progress. Such as Bank of China, Construction Bank to introduce credit upsp factory mode, list-style reception bulk marketing approval in the background focus on standardization of maintenance to intensive, large-scale way to serve small and micro enterprises. Some joint-stock banks facing the district, the industrial chain and other small micro-enterprise clusters of customers, according to industry characteristics customized service solutions. Many small banks actively explore community bank model, the use of geo, popularity, genetic superiority, focusing on non-standardized information upsp collection and analysis, small micro-enterprise loans to crack the problem of asymmetric information and network by extending opening hours, street sweeping marketing, production and management depth front line doing surveys and other forms of credit for small and micro enterprises to provide upsp personal service.
Public Welfare Road, Taichung City 367 AMA Global Marketing upsp Limited (site map) 11F-2 Tel :0809-035-039 business loans, business loans, business loans young, green innovation loans, SME loans, FunBank facilitate micro-enterprise credit business upsp loans women business loans, business loans micro Phoenix
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