广发银行资讯

广发银行倾力打造中小企业金融服务商(2)

来源：广发银行　　　小编：朱岳　　　发布时间：2013年02月16日

内容导读：董建岳认为，在中小企业领域，很多银行还只是着眼于贷款服务，如何在给予中小企业资金支持的同时，建立起更全面、更丰富的中小企业金融服务体系和产品体系，走出低资本消耗的发展路径，是银行应该不断探索和努力的方向。

Guangdong development bank lean strength to make small and medium-sized enterprise financial service provider (2)

Innovation and wind control simultaneously

DongJianYue think, in the small and medium-sized enterprise field, many Banks is just focusing on loan service, and how to give financial support small and medium-sized enterprises at the same time, establish a more comprehensive, more rich in small and medium-sized enterprise financial service system and product system, out of the low capital consumption development path, is a bank should continue to explore and direction.

The standardized financing product "good accommodation" later, guangdong development bank in the last year and have introduced the standardization of small special service fast financing products "quick accommodation" and facing to the professional market and industry association of small and medium enterprises in the quality of "market credit", etc. Series of products.

"Quick accommodation" main is charged to the income from sales of 50 million yuan of the following small businesses to customers, weakening financial factor assessment, pay attention to the business credit, cash flow, water, and electricity record the aspects of enterprise integrated survey. This product is the most outstanding characteristic is "fast", through the full-time ShenPiRen fastest three days can complete the examination and approval.

"The market credit" is for professional market, industry associations, industrial clusters of small and medium-sized enterprise customer quality launched by joint guarantee as the main way of guarantee financing products, the financing of small and medium enterprises to solve the problem of shortage of the mortgaged property.

In addition to the above credit class innovative products outside, in order to meet the small and medium-sized enterprise diversified financial services needs, guangdong development bank also introduced to help small and medium-sized enterprise "save worry save interest" "profit credit" products and for small and medium-sized enterprises to provide comprehensive consulting service of the "small and medium-sized enterprise financial advisor" products.

"Profit credit" products to the applicant and the introduction of other customers in the bank settlement and cash flow for reference, according to the customer "comprehensive contribution", according to a certain proportion to give preferential interest rate loan customers. "This product can effectively reduce the small and medium-sized enterprise financing cost, high quality support the development of small and medium-sized enterprises", LiWenBo says.

"Small and medium-sized enterprise financial advisor" products, use the bank information and channel advantages, for small and medium-sized enterprises to provide professional economic and financial information, business diagnosis, financial consulting, investment and financing advisor, and other comprehensive financial services, LiWenBo tells a reporter, the value of this product is to "promote customer's financial management level and to meet customer demand between direct and indirect financing."

In addition, in order to direct financing of small and medium-sized enterprises to provide a "green channel", guangdong development bank and has wide hair negotiable securities, anxi securities, guangdong development faith and zhongke investment brokers and investment companies, such as cooperation, through the "small and medium-sized enterprise financial advisor" products, to promote the small and medium-sized enterprises and capital market "seamless docking".

Guangdong development bank head office is small and medium-sized enterprise banking TaoJianQuan general manager told reporters, "in the near future we focusing on interest rate marketization trend, hope to be able to make full use of commercial bank market main body qualifications, combined with various financial channel, increase in the creditor's rights financing tool in financial innovation, including promoting small and medium enterprises, small and medium-sized enterprises set SiMuZhai trust, small and medium-sized enterprises set bills, financial advisers, etc."

In the strong innovative and effective financial products, strict risk control is guangdong development of small and medium-sized enterprise financial service priority. At present, guangdong development bank has been in total branch institutions at all levels to establish its full-time risk management team, make perfect risk management system and operation standard, USES the advanced IT system to strengthen the quantitative analysis, and strive to make the whole process of fine management.

"Specifically, before the credit earnestly survey work, ensure that found that small and medium-sized enterprise real financing demand; strengthen credit of credit funds of the monitoring, prevent funds are appropriated; after credit manage customer collection funds, ensure timely return the bank loan", LiWenBo said, although small and medium-sized enterprise loan risk is higher, but as long as strictly grasp each process and link, the risk in the controllable range.

On the other hand, according to the small and medium-sized enterprise customer base characteristics and risk prevention difficulty, guangdong development bank through the "principle of large Numbers" and "income cover risk" mechanism, moderately increased risk tolerance, and actively improve small and medium-sized enterprise credit "do your duty exemption" and bad loans fast verification system, in the premise of compliance to the business development moderate easing.

"Especially based on the enterprise life cycle theory, foster basic growth period of small businesses", guangdong development bank small and medium-sized enterprise banking officials say, the enterprise by the traditional credit model is difficult to recognize risk point, and even hard to approved, adhering to the "and the enterprise growing together" attitude, guangdong development bank use more fine and professional credit approval mode, understand customer's real situation and development trend, and even help small businesses perfect reference and all kinds of statements, and in the process control into the essence of enterprise risk.

Hundred "small business financial center"

From small financial business organization structure to see, at present the Banks practice is differ, China merchants bank must set up the legal person of small business specializes in institutions, minsheng bank the division system structure, etc., and guangdong development bank head office is taken as the guidance of a combination of development.

Small and medium-sized enterprise distribution range and dispersion, for more close to, more efficient service customers, guangdong development bank will be small and medium-sized enterprise financial specific business function down to the basic unit, through the "small business financial center" a large number of construction, construction features small financial service system. And the head office is responsible for the small business credit to special line, at the same time, the assessment of network on abandon traditional one-sided pursuit of the practice of deposit, the small business financial center the deposit-loan ratio index appropriate relax. In addition, the head office special department responsible for market research, product development, risk management responsibility, for small business financial center to provide rich products and wind control means.

As early as the end of 2011, guangdong development bank the first "small business financial center" was established, the relevant marketing solutions, staffing, evaluation system are completely according to the characteristics of small micro finance to advance, from the customer development, financing scheme design, examination and approval, credit management, and so on after to small micro enterprise comprehensive service. So far, has been built in both more than 100 home "small business financial center", in the pearl river delta and Yangtze river delta and small and medium-sized enterprise populated areas.

TaoJianQuan also said, "to 2013, both will more than half of the network transformation for small and medium-sized enterprise characteristic branch, and gradually achieve in small business financial services in the field of scale effect.

On the other hand, due to the small and medium-sized enterprise financial services face customer group property and business covers degree, lending member and credit risk control personnel after on the responsibilities and pressure big is the known facts, and because the loan amount is low, pen number is more, professional team as a bank to small and medium-sized enterprise financial services the key.

To speed up the construction of specialized in institutions at the same time, guangdong development bank is also equipped with a small business specializing in business team and professional risk management team, set up a special authorization system. At present already for both "small business financial center is equipped with nearly 300 professional customer manager team, according to each" small business financial center "at least configuration a full-time ShenPiRen object, establish special small examination, examination and approval team; To conform to the standard product requirements of customers, small ShenPiRen authorized professional in "small business financial center" direct approval, greatly shorten the approval process.

Guangdong development bank Beijing branch credit review of vise general manager LiWenBo told reporters, full-time ShenPiRen is small business financial services a innovation and "window", belongs to the credit department in small and medium-sized enterprises, banking, risk management and vertical, "in a certain authorized, review and approval is the same, the examination and approval authority in full-time ShenPiRen ranging from 2 million yuan to 5 million yuan, accomplish truly one-stop examination and approval, and meet the small business loans' short, small, frequency, urgent 'needs."

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