广发银行资讯

广发银行加快提高个人经营性贷款发放量

来源：中国日报　　　小编：朱岳　　　发布时间：2013年01月21日

内容导读： 2012年，在欧美经济深陷低谷，外贸需求大幅下降的背景下，中国经济凭借拉动内需成功实现 “软着陆”。在本次金融危机中，小微企业受到直接冲击，生存环境日趋恶化，困扰小微企业的融资难问题更显突出。近一年多以来，我国小微企业信贷需求增长迅猛，对周转性资金以及中长期转型资金的需求都有不同程度的增长。

Guangdong development bank increase personal business loans outstanding

In 2012, in Europe and the United States economy is in deep trough, the foreign trade demand to drop considerably, under the background of China's economic success with stimulating domestic demand to realize "soft landing". In this financial crisis, small micro enterprise by direct impact, survival environment is becoming increasingly worse, troubled small micro enterprise financing difficult problem more outstanding. Almost a year since, our country small micro enterprise credit demand is growing rapidly, the revolving funds and long-term transformation the need for the funds have varying degrees of growth. Guangdong development bank aware that, in the small micro enterprise financing for increasing investment field. In 2012, guangdong development bank personal business loans amount for the first time more than consumer loans (this paper refers to the individual business loans and consumer loans are not including credit card credit). In 2012, guangdong development bank personal business loans amount up more than thirty percent, a sharp increase in small micro enterprise centralized link bohai sea area, Yangtze river delta and the pearl river delta region in the personal business loans outstanding even close to 50% yoy.

According to the small micro enterprise financing demand short, small, fast, and Jane's characteristics, 2012 guangdong development bank small micro enterprise financial services incorporated into retail banking business line management. Guangdong development bank personal k, general manager LvShiFeng pointed out: "personal business loans will be guangdong development bank future focus on the development of business line. Small micro enterprise customers have their own business and financial characteristics, guangdong development bank around small micro customer characteristics established suitable for the customer to the actual effective risk assessment system and process, and set up a separate retail risk management department and the professional marketing service team, and introduces the credit factory approval process, for small micro enterprise and individual and industrial and commercial door customer makes efficient financing platform. The future guangdong development bank will continue to tilt the credit resources, meet the small micro enterprise and individual and industrial and commercial door financing demand."

According to the small micro enterprise financing demand characteristic, the guangdong development bank established service small micro enterprise customer "businessman" brand, and set up two kinds of personal business loan fist products, including key to meet customer demand rapid spike capital credit class loan products "business red", and support the customer long-term business transformation large sum of money to the guarantee of the kind of loan products "business pass". "Businessmen" series of personal business loans has gradually formed covering credit class loans, secured loan complete vertical integration, not only the product is rich, and the procedure is simple. Especially credit class loans, guangdong development bank in some areas also launched a "three certificates 1 credit" convenient edition credit products, better joint small micro enterprise financing demand.

Guangdong development bank personal bank ChenChunWen deputy general manager said: "the guangdong development bank will be based on small micro enterprise and individual and industrial and commercial door group financing demand characteristic, and the customer's regional or trade characteristics in the industry to provide the most efficient and has the personalized financing service. In 2012, guangdong development bank in yiwu, shenyang, zhengzhou, launched area is convenient edition personal business loan product project, get a positive market reaction. In 2013, we will launch more areas in project, the greatest degree to meet small micro enterprise customer fund demand. If necessary, in the hold me bad debt rate ceiling, under the premise of increasing personal business loan product bad debt tolerance."

In 2013, guangdong development bank will launch in business red, business through customer "preferential loans" products, help customer vivid effectively use their own funds, saves the loan interest expense. At the same time, will also be small micro enterprise provide including cash management, electronic payment and settlement platform, personal wealth management, comprehensive financial service solutions.

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