| For more than ten years,the country has solved the financing dilemma of small and micro enterprises.Through many investigations and implementation of a number of policy initiatives,it still cannot solve the financing dilemma of small and micro enterprises.Small and micro enterprises are the main force of the current non-public economy.If individual industrial and commercial households are included,small and micro enterprises can account for more than 90% of the total number of enterprises.It can be said that small and micro enterprises are the most valuable and potential customer resources of commercial banks..How to identify the pain points of the market,steady targeting and hit the key,this is a compulsory course for commercial banks.At present,the customers in the banking industry are competing for the war.The high-quality customer resources are an important part of the competitiveness of commercial banks.As a commercial bank must have the core competitiveness,it can stand out in the banking industry.As a customer resource of commercial banks,small and micro enterprises have a very large market size and great market prospects.At the same time,we must also clearly understand that small and micro enterprises are showing some shortcomings in the development process.Commercial banks should regard the development of small and micro enterprises as an important mission of commercial banks,and continuously optimize the credit business process for small and micro enterprises.Only by continuously improving the level of financing services provided by commercial banks to small and micro enterprises can it be in the banking industry.The small micro credit competition won.Small and micro enterprises still have the characteristics of weak management norms,weak technology,weak anti-risk ability,low product price and added value,and low input-output efficiency.At the same time,the credit business of small and micro enterprises has the characteristics of short cycle,low amount,urgent demand,high frequency,and weak banking service awareness.In this dilemma,the bank's optimization and upgrading of the credit business process of small and micro enterprises,and the improvement of the bank's service level to small and micro enterprises have become the top priority of the bank business.As a bank must keep its own insufficiency,there are two issues that deserve our attention.First,the problem is that commercial banks have always relied on the banks themselves in their past experience,and in the market economy,they must talk about market rules and markets.It is the real center.The second problem is that the cumbersome and complicated business processes that commercial banks have set for the loan demand of small and micro enterprises have shown many competitive disadvantages.The existence of the two problems has in fact become an obstacle for commercial banks to develop credit services for small and micro enterprises.From the perspective of the bank,many obstacles are as follows: the inefficiency of business processes,the inability of the internal departments and personnel of the bank to collaborate,the lack of diversity in the means of loan investigation,the lack of scientific evaluation of loans,and the informatization of the loan approval process.The level is low,the lack of scientific judgment based on the risk is low,and the staff's authority and responsibilities are not clear.From the perspective of small and micro enterprises,the financing chain of small and micro enterprises is too long,and the risk of small and micro enterprises themselves makes it difficult to further reduce the vicious circle of financing difficulties for small and micro enterprises.In order to solve the financing problem of SMEs,Singapore Temasek has developed a mode of operation for SME financing products in the process of credit management for SMEs in the traditional credit process in accordance with the assembly line of the factory.Called the Temasek model,we usually call it the “credit factory” model.Domestic commercial banks need to make breakthroughs in loan application services for small and micro enterprises.They can fully learn and apply advanced experience and practices such as Singapore's Temasek.It is necessary to transform the traditional credit model.“Credit Factory” The model is also widely used in domestic commercial banks.The practice of domestic commercial banks also proves that the “credit factory” operation mode is a very effective small micro credit service model,which effectively saves the efficiency of small and micro credit business and makes the commercial bank's credit business.The process has been greatly optimized.This paper analyzes the typical case of Changshu Bank's “microfinance factory” model.At the end of 2008,Changshu Rural Commercial Bank began to explore the micro-credit development path and set up a 10-person micro-loan project team.At the beginning of 2009,among the small and medium-sized rural financial institutions in the country,the company set up a special organization to serve small and micro-customers,set up a micro-loan center,and introduced consulting companies to establish a technical system for training German IPC micro-enterprise loans.After five years of development,in 2014,Changshu Microfinance Center officially changed its name to Xiaowei Financial Headquarters,fully built a credit factory,actively implemented and implemented the requirements and instructions of the CBRC on microfinance work,and actively demonstrated Its professionalism in the field of small and micro enterprise financing,and striving for brand effect.Since the establishment of the micro-credit franchise management organization,there have been bold attempts and great progress in all aspects of the “credit factory” process.A sustainable development path of product standardization,operation process and risk decentralization is studied,which enhances the competitive position of Changshu Rural Commercial Bank in the local banking sector,and has a high reference significance for the banking industry. |
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