Sme Loan Factory Bank Of China Hunan Branch Credit Mode Is Optimized

The small and medium enterprises in China have developed healthily and prosperously in recent yeas. However, many of them have been faced with difficulty in financing. In order to abate the negative impact of financial crisis and break the bottleneck of development, a growing number of commercial banks introduce a new mode of financing credit-"credit factory", which could be adapted to the characteristics of the financing needs of SMEs.In this study, we research the business processes, management mode and product innovation of "credit factory" in Bank of China Hunan branch. We compare the SME credit business model and development status of "credit factory" of domestic and foreign banks, so as to improve the "credit factory" mode in China. In the study, we analyze the "credit factory" in Bank of China Hunan branch according to the theory of risk measurement & control and the measure of questionnaires and financial model, put forward the main problems and some practical recommendations with a view to solve the problems in development of "credit factory".