A Research On The "Credit Factory" Model Of Domestic Commercial Banks

The small and medium-sized enterprise is one of the main power source for therapid development of China economy, thriving and prosperous Chinese unceasinglyalong with the economy, the small and medium-sized enterprises play the power andthe important degree continues to rise in. However, the financing problem of SMEs isincreasingly sharp. The CBRC has issued a series of policies for solving the problemof difficult financing of small and medium-sized enterprises, the domesticcommercial bank also All flowers bloom together., aiming at this problem, a series ofexploration and research.Jiangsu Changshu rural commercial bank Limited by Share Ltd headquartered inJiangsu Province, Changshou City, is a company with a long history of60years offinancial institutions. In2001November by the Changshou City reform of rural creditcooperatives and joint-stock rural financial institutions, is the first national form.Changshu rural commercial bank since restructuring, insist on market positioningservice for agriculture, services Small and micro businesses, and actively explore thedifferences, characteristic development road, as of2015January, Changshu ruralcommercial bank in the country there are business outlets in133, of which Changshulocal107home,26home in different places. At the same time, opened17"agricultureand commerce department often" village banks,6rural financial institutions andequity.In March18,2009, Changshu rural commercial bank in the small and mediumsized financial institutions across the country in the first set up specialized institutionsof rural service small micro customers--small micro financial headquarters, inaccordance with the operation mode of quasi division "credit factory", and actively carry out and deepen the CBRC advocated Small and micro businesses in financialservices "six mechanisms", give full play to the function of effect of small microfinancial services institutions, strive to build the small micro financing customer"preferred bank" and "micro loan field leading bank" brand. Franchised agency wasfounded in six years, the survey technology, process management, risk control, teamconstruction, cultural management aspects are carried out exploration and bold andbeneficial, has high reference significance for banks.This paper adopts the research method of literature, empirical analysis combinedwith case analysis and experience summary, research on SMEs "credit factory" modebackground, features, management mode and the basic flow, combined with thedomestic commercial banks for introduction of "credit factory" mode and promotionof "credit factory" model, summarize the experience, to provide reference for thebanking industry, make its become the mainstream mode of future commercial banksfinancing of small and medium sized enterprises.