| With the continuous development of market economy in our country, the small microenterprise also is developing rapidly, it promoted the prosperity of urban and ruraleconomy, increase the social employment, improved the living standards of the masses,become the main force to ensure healthy and sustainable development of economy andsociety, small micro enterprise can obtain the benign development to a great extent,determines the process of our further deepening of economic and social sustainabledevelopment goal realization. But, for the development of small micro enterprise, one ofthe biggest bottleneck is the huge financing demand and financing difficulties of thecontradiction between the reality. Commercial banks have noticed the field of small andmicro-enterprises financing and started to provide related services.As a first line of defenses of business loans, pre-loan investigation is particularlyimportant. Banks are mostly investigating on small and micro-enterprises their ownsituation and investigated in the context of the industry. There is no uniformmethodology and specifications base on the investigation. Investigator ignored whethercompanies have loan qualifications due to the investigation was not detailed enough or theresults did not correspond with the facts, but who get credit, less credit.ShangDaiTong, one of MinSheng bank business loans for small business loanbusiness, efforts to improve pre-loan investigation steps. Compared to other similar banks,ShangDaiTong have three notable features:(1) using specific data analysis methods foranalysis;(2) improve and harmonize about the pre-loan investigation text, specificationinvestigation;(3) according to the preliminary investigation, to give customers certainamount money within certain time frame for revolving loan program.Finally, use a construction industry as an example, to review pre-loan investigation.Through the practical example illustrates the characteristics and importance ofShangDaiTong pre-loan investigation. |
PDF Full Text Request