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来源:新华网 小编:朱岳 发布时间:2013年07月28日
内容导读: 李稻葵评价认为,广发银行服务小微企业的举措是“很有意义的创新”,从中可以看到国内银行业转型的希望。
Wide hair negotiable bank small micro enterprise innovation won authoritative scholars certainly service measures
On July 14th night, CCTV two set of finance and economics channel "dialogue" focus on "market-oriented interest rate reform of Banks" topic. Former vice chairman of the CBRC Cai Esheng, a famous scholar, li daokui, director of the China center for economic research, tsinghua university, guangdong development bank chairman Dong Jianyue and other three guests, to discuss banking facing change and challenge.
Dong Jianyue during the show tells the story of guangdong in recent years, the reform of practice: "I went on a round of wide hair negotiable requirement transformation, from the start to the small and medium-sized enterprises...... since last year, we took some measures of force, take the six hundred branches inside out one hundred and three outlets, only allow you to do small business lending, businesses are not, in a big enterprise also not line."
Li daokui evaluation thought, wide hair negotiable bank service small micro enterprise initiatives is "very meaningful innovation", we can see hope in the transformation of the domestic banking sector.
Wide hair negotiable bank since 2012 started construction of "small business financial center", he founded in succession in 103 "small enterprise financial center", dedicated to small micro enterprise provide financial services. Through the transformation, wide hair negotiable bank of small micro realizes the marketing of financial services professional services, risk management, routing, diversification of financial products, simplified the small micro enterprise credit approval process, reduce the communication consumption, improve the efficiency of the examination and approval work.
Dong Jianyue says in the programme, market-based reform of interest rates will have a great impact on bank profits, in response to interest rate marketization, commercial Banks must strategic transformation. Is one of the direction of the transformation from the service "of large and medium-sized enterprises" to service "small micro enterprise". Transformation for Banks can be very painful, because large customer deposits, loans are small micro enterprise incomparable, but this is the banking future development direction.
Wide hair negotiable bank continues to intensify of small micro enterprise loan delivery. As of late 2012, the guangdong development bank small micro enterprise loan balance of 109.9 billion yuan, an increase of 18.3 billion yuan from a year earlier, 20% growth (including: small business growth as high as 31%), higher than the whole loan growth 6%, delta is higher than last year. He new "small business financial center" in the first half of this year, nearly 1000 households, small business customers new loan balance of 7 billion yuan.
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