转变观念 创新机制 探索可持续的小企业贷款模式

Change Conception,Innovate Mechanism Probing into A Sustainable Model of Loan Service for Small-sized Enterprises

银行开展小企业贷款服务,是一项从当前我国国情及银行业实际情况出发,在银行传统业务基础上加以创新,完全可以实现双赢的业务。银行要开展好这项业务,必须树立战略决定成败、管理决定生存、产品和服务决定市场、客户决定未来等观念,完善相关政策、制度、办法和业务规章,强化业务人员培训,坚持市场化、商业化运作模式及分类管理、分账核算原则,建立并完善适应小企业贷款特点的经营与风险管理模式,健全小企业贷款内部信息管理系统,重构小企业贷款发放与管理的激励与约束机制,推进小企业贷款产品和机制创新。

Loan service for small-sized enterprises provided by the banks is an innovated business, which can gain beneficial results for two resolved parties, based on traditional banking services, considering China＇ s present situation and banking reality. Such conceptions as strategy is a decisive factor for ＂win or lose＂, management determines existence, product and services determine mai＇ket, clients are a decisive factor for future, etc. should be formed in the mind of bankers if they want to do this business, consummating related policies, systems, approaches and transaction regulations, intensifying transaction staff training, persisting in an operation model of market-orientation and commercialization, and a principle for classification management, ledger accounting, setting up an operation and risk management model suitable for the feature of loan service for small-sized enterprises, perfecting internal information management system of loan service for small-sized enterprises, rebuilding incentive and binding mechanims for extension and management of loan services for small-sized enterprises.