Application Research On "Credit Factory" Model Of CS Rural Commercial Bank

With the improvement of the market economic system,the development of China's SMEs has achieved remarkable results.Both scale and profit have shown the majestic momentum of enterprise development,and SMEs have become an important force in promoting social and economic development.The development of microfinance business by commercial banks is not only the need of adapting to the regulatory authorities,but also the need for their own development under the new economic normal.Commercial banks play an important role in promoting the development of SMEs and diversify their social economy.Provide conditions for development,and create effective ways for its own transformation and development,and enhance market competitiveness.This paper uses literature analysis method,inductive analysis method and case analysis method to study the application of“credit factory” model of CS rural commercial bank.On the one hand,the research on the application of the “credit factory” model of CS Rural Commercial Bank is to hope to better develop the “credit factory” model for CS Rural Commercial Bank,and bring more benefits to small and micro enterprises.On the other hand,it hopes to pass This paper studies and provides a theoretical reference for more commercial banks to use the “credit factory” model to carry out microfinance business..First,the specific application of the “credit factory” model involves six aspects: application acceptance,customer assignment,credit investigation,credit application,contracted loan,and post-lending inspection.Second,the innovative measures of the “credit factory” model of CS Rural Commercial Bank include the construction and improvement of the “credit factory” of CS Agricultural Commercial Bank,theadoption of the business system by “credit factory”,and the establishment of standardized “credit factory” products based on customers.The members of the“credit factory” are younger.Third,from the loan scale and growth rate,loan coverage and concentration,asset quality and non-performing loan ratio,and customer satisfaction of the credit factory model,the operation effect of the “credit factory” model of CS Agricultural Commercial Bank was analyzed,and the overall result was unsatisfactory..Fourth,from the analysis of the application status and operational effects,it can be seen that the problems in the operation of the “credit factory” model of the CS Agricultural Commercial Bank include the credit factory“model industry investment is too concentrated,the standardization is alienated after the scale expansion and customer satisfaction needs further Upgrade.Fifth,based on the results of the problem analysis,the optimization suggestions given in this paper include enriching the funds to invest in the industry,improving the standardization implementation system,and implementing safeguard measures for the “credit factory” model of CS Rural Commercial Bank.