广发银行资讯

广发银行“小企业金融中心”数量突破100家

来源：广发银行　　　小编：朱岳　　　发布时间：2013年02月05日

内容导读：广发银行近日宣布，为实现该行建设“中国最高效中小企业银行”的战略目标，广发银行大力推进“小企业金融中心”建设。截至2012年末，广发已在其中所辖28家分行设立了103家“小企业金融中心”。广发全年小微企业贷款余额同比增速达21.28%。

Guangdong development bank "small business financial center" quantity break through 100

Guangdong development bank recently announced for the realization of the construction of "China's most efficient small and medium-sized enterprise bank" strategic objectives, guangdong development bank to vigorously push forward the "small business financial center construction. By the end of 2012, guangdong has in it; and branches set up 103 "small business financial center". Guangdong development the small micro enterprise loan balance 21.28% year-on-year growth.

About half of both network will shift to small and medium-sized enterprise characteristic subbranch of a bank

Since last year, the macro economic situation influence, the domestic small and medium-sized enterprise management and financing environment facing the new problems and challenges. In this context, for more close to, more efficient service to small and medium-sized enterprise customers, guangdong development bank innovation in small and medium-sized enterprise service measures, set up branch "small business financial center", specializes in small business financial services. From the customer development, financing scheme design, after examination and approval, credit management for small micro enterprise comprehensive financial services. It is reported that guangdong development bank this year will add fifty home "small business financial center," the end of the year center will have a total of 150 home, and gradually will be both more than half of the branch transformation become small and medium-sized enterprise characteristic branch, realize small business financial services in the field of scale effect. Guangdong development bank "small business financial center" with small business financial business specializes in team, all the small business service personnel all by head office unified training, evaluation on duty, take "customer manager + approval specialist" model for small business clients to provide professional and efficient financial services.

Small business loans rapid examination and approval mechanism innovation

Guangdong development bank chairman DongJianYue said that guangdong development bank strategic goal is to do "China's most efficient small and medium-sized enterprise bank", given the small and medium-sized enterprise financial support at the same time, establish a more comprehensive, more rich in small and medium-sized enterprise financial service system and product system, and small and medium-sized enterprise grow together. Guangdong development according to the professional marketing, centralized risk management and PiLiangHua guest group development train of thought, the propulsion internal customers hierarchical management of small business financial business development model transformation, sparing no effort to promote the "small business financial center" professional operation. Risk line in small business target market planning, assist screening target customers, make PiLiangHua credit plan, realize the risk control reach; Through promoting professional examination and approval system reform, the small business credit for fast independent examination and approval, and improve the efficiency of the examination and approval; Set up small business risk culture and philosophy, ensure the effective control of risks under the premise of small business financial business, and to realize the rapid growth. The system simplifies the approval process, reduce the consumption of communication, improve the efficiency of the work of examination and approval.

Small micro loan balance growth of more than 20%

Guangdong development bank officials said, the bank design small and medium-sized enterprise financial services products, the key is to improve efficiency and reduce cost fluctuation kongfu. Guangdong development experience is through the standardized products, quick process and agile mechanism to realize business fast batch processing, will be able to respond to customer "short, frequency, urgent" fund demand.

By the end of 2012, guangdong development of small and medium-sized enterprise loans accounted for the proportion of both company loans more than 51%; The customer number of both company credit customer number proportion of more than 82%. Guangdong development bank small micro enterprise loan balance of 91.302 billion yuan, 21.28% growth.

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