The Research On The Construction Of Microfinance Factory In Changshu Rural Commercial Bank

In face of the business to enhance the efficiency of small and medium-sized enterprises and capital needs like hunger and thirst to commercial banks,commercial bank began to explore a new credit management mode to set up suitable for large batch processing of small and medium enterprises credit business process,trying to crack a place on the chaos,a dead dilemma.Since 2008,leeding by bank of China,The Construction bank,China Merchants Bank,Hangzhou banks began to learn from foreign experience,the implementation of “credit factory operation”,scale fine,standardized operation to achieve the financing of small and medium enterprises to start business,credit business of the " blue ocean ",to improve the efficiency and quality financial services.Based on the history of the development of small and micro credit in China,this paper analyzes the construction of small and micro credit business.The so-called "credit factory" means that commercial banks,such as the manufacture of standardized products,credit business batch processing.Specifically,the bank in accordance with the "line" mode of operation of small and medium-sized enterprise loan design,reporting,approval,payment,risk control and other bulk operations.In this mode,credit approval must be standardized.In the course of the loan,the customer manager,the examination and approval personnel and the post loan supervision personnel carry out the specialized division of labor.This new SME credit management model differs from the previous "departmental bank" organizational form,is the commercial bank management to the "process bank" positive attempt to change.From the perspective of commercial banks,the "credit factory" is the most suitable for small and medium enterprises to expand business management model.This model has the following main features: the first is not simply decentralization of the old,adhere to unified management,intensive management;the second is the "institutional monopoly,breaking the traditional" branch bank "set,originally scattered in various departments of the functions focus on an independent agency,the realization of the business operation of the professional;the third is to create a "process bank",learning from the "factory" mode of operation,the development of standardized operating norms,reshape the credit process and management system,improve service levels and efficiency.In recent years,the pilot work has been vigorously promoted and developed,to promote the development of micro credit to large-scale road.Changshu rural commercial bank imported in August 2006,the introduction of the German IPC credit technology,the introduction of small and micro credit business,to service the small business.The introduction of credit technology is a good solution to the information asymmetry between enterprises and small banks,in solving the financing difficulty of small enterprises problems at the same time,to promote the sustainable development of Changshu Rural Commercial Bank.Through the use of soft information asymmetry analysis theory to analyze the customer's default cost,and strictly control the risk of customer default.This paper studies the sustainable development of small and micro credit for commercial banks in China.The research of this paper has important theoretical and practical role in guiding our commercial banks to improve their competitiveness.But in recent years,the bank has come up with some problems.In order to carry out the small and micro business,and make the business flourish in the local area,this paper puts forward the construction model of credit factory.It develops a sustainable way of product atandardization,operation process and risk decentralization is studied,so as to enhance the competitive position of Changshu Rural Commercial Bank in the local banking industry.