广发银行资讯

广发银行倾力打造中小企业金融服务商（1）

来源：广发银行　　　小编：朱岳　　　发布时间：2013年02月16日

内容导读：自诺贝尔文学奖花落中国作家莫言，文化创意产业再度成为人们关注的焦点，在这一轮热潮掀起之前，广发银行北京分行中小企业部已经开始筹划抢滩登陆。

Guangdong development bank lean strength to make small and medium-sized enterprise financial service provider (1)

Since the Nobel Prize for literature the flower falls Chinese writer, mo yan, cultural and creative industries has once again become the focus of attention, in this round of hot flashes before a, guangdong development bank Beijing branch address to plan for small and medium has landed beaching.

A few months ago, a sum of 8 million yuan RMB for one year of ordinary business of credit approval granted Beijing classical bo d culture development co., LTD., and the credit for the pledge including a McCallister family "wind language" series of copyright, the mo yan in collection of copyright, the ouyangzhongshi talk about the Chinese civilization series of copyright and the naturally fine essays "and so on.

"Financing" and "RongZhi" and guangdong development bank is small and medium-sized enterprise financial services, one of the highlight of the credit is to support Beijing branch of cultural and creative industries characteristic business a significant step forward, realize a breakthrough, including the asset light culture enterprise credit guarantee way loan breakthrough for the examination and approval of the efficiency of the breakthrough, and credit product design breakthrough, etc.

In fact, Beijing branch is guangdong development bank hair force small and medium-sized enterprise financial services part of the strategy. Combined with geographical advantages and customer base, guangdong development bank in the small and medium-sized enterprise financial services, mainly to break through the pearl river delta, Yangtze river delta, bohai development of radiation and parts of the Midwest market strategy, key support in guangdong guangzhou, shenzhen, dongguan, foshan, zhongshan, huizhou and small and medium-sized enterprises gathered area, according to different area industrial cluster characteristics and differentiation financial needs, building characteristics tests of outlets and matching specific financial services.

Since last year, guangdong development bank to continue to adopt the "single credit plan, special assessment" for the new tests of loan used in preference to small and medium-sized enterprises, and to monitoring and assessment, and effective guidance, promote the small and medium-sized enterprise business branches in steadily. The latest figures show that guangdong development bank small and medium-sized enterprises generally RMB loans accounted for 52% of both tests of loans, the small and medium-sized enterprise customer number and the number of customers both of ratio of over 82%. The guangdong development bank to small and medium-sized enterprise credit allocation special line more than 30 billion yuan.

Guangdong development bank chairman DongJianYue said, solve the financing difficulties of small and medium-sized enterprises, the first to the credit resources configuration priority support small and medium-sized enterprise's credit availability, head office will be in overall arrangement credit resources, set up small businesses based on special lines of credit.

"The most efficient of small and medium-sized enterprise bank"

About the small and medium-sized enterprise financial services, DongJianYue cited a joke, only when you can prove that you don't need the money, the bank will lend you money, a lot of people think the bank will only be icing on the cake, won't provide timely help. So "at present we vigorously develop small and medium-sized enterprise financial business, it is to change the bank to give the public the impression," he thought, let need money of small and medium-sized enterprise customer use money, also with the bank professional escort, help enterprise to use the money to make money, can also go to the bank money, can we form a truly sustainable development of a benign circulation mechanism.

At present, many Banks appeared "to the small and medium-sized enterprise" approach, DongJianYue think, this kind of situation is to set all the power of the industry to support small and medium-sized enterprise development greatly, but there are also strategic convergence, malignant competition of malaises, "banking reform and development an important goal is to set up multi-level banking system, Banks established its actual situation and adapt to the strategic orientation, dislocation development, constructing differentiated competitive advantage, to more efficient allocation of resources of the whole trade, service target customer group."

In this kind of differentiation strategy under the guidance of thinking, guangdong development bank in the new five-year development strategy, the established "the building of China's small and medium-sized enterprise the most efficient bank" goal, and around this strategy in the institutional setup, service mode and product innovation, team construction, resource allocation, system construction and incentive mechanisms to reform.

In fact, the "lend money, earn money, money on" the truth is simple, it is a small and medium-sized enterprise financial services of the complete process, but also many enterprises and bank loans early, middle and late faced difficulty.

Due to the small and medium-sized enterprise financial is not standard, information disclosure, lack of effective channel co., LTD., the mortgaged property, in applying for the bank's credit often face higher threshold. Guangdong development bank Beijing branch of the small and medium-sized enterprise banking told reporters, "effective promoting small and medium-sized enterprise service premise is a suitable financial products, in order to overcome depend on financial information, and the collateral credit assessment and approval mechanism. On this basis, we introduced in 2009 for the small and medium-sized enterprise custom-made2 standardized financing service the new model - 'good accommodation' business."

"Good accommodation" is absorption citibank small and medium-sized enterprise service of advanced technology, in view of the domestic small and medium-sized enterprise needs and characteristics of the innovation of small and medium-sized enterprise comprehensive financing solutions. The product design of the standardization of the evaluation indicators, according to the customer's rating results, determine the line of credit and management scheme, and innovation proposed the mortgage coverage requirement of concept, solves the small and medium-sized enterprise pawn insufficiency, the report information is accurate and problems.

According to introducing, this products include and a variety of guarantee form, as high as 60 million yuan of the line of credit (including the highest can be more than a 20 million yuan credit line), 3-5 days can complete credit approval to efficiency, and effectively meet the majority of small and medium-sized enterprise customer financing needs. Guangdong development bank Beijing branch is responsible for the small and medium-sized enterprise banking, said this product since 2009 since the launch by many high praise, is small and medium-sized entrepreneurs as the financing "timely rain".

And DongJianYue argue that bank design of small and medium-sized enterprise financial services products, the key is to improve efficiency and reduce cost fluctuation kongfu. A better way is to close the retail business, through standardized products, quick process and agile mechanism to realize business fast batch processing.

On the other hand, he thinks that batch promotion and project research, combining according to different area and industry characteristics, control risk point. Even under the standardized products, the branch also enjoy certain adjustment space, according to local actual situation, the enterprise rating results have certain discretion.

In addition, the risk manager, product manager and customer manager go down market system, allowing Banks to each region to each industry market segmentation, according to the characteristics of the market segment out project. For example, in view of the yiwu small enterprises, roll out "three certificates 1 credit", small business owners to provide id card, business license, booth card, can the examination and approval by the small loan, micro business owners welcome.

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