韩国银行开展中小企业信贷业务的实践及其借鉴意义

Practice and Experience of Korean Banks in Extending Credit to Small-and-Medium Sized Enterprises

韩国中小企业信贷业务具有政府主导下的中小企业信贷支持体系、专业银行和信用担保基金的突出作用、大银行的主体地位及持续的产品创新等特点,但同时也存在政策性金融机构异化、商业可持续发展难以为继等问题。借鉴韩国的经验,在中小企业信贷业务发展的初期阶段,通过行政干预和经济调控,充分发挥大银行的主渠道作用,改变银行-企业经济规模应相互匹配的片面观点,建立专门的中小企业信贷机构和以信用保证基金为核心的中小企业信用体系,强化风险的精细量化管理。这些措施将有助于树立工商银行在中小企业信贷领域的主力银行地位,并成为其转变经营方式的重要路径。

In Korean, credit business to SMS enterprises is sustained by a credit supporting system under the guidance of the government with specialized banks and credit guarantee fund playing a dominant role and major banks assuming the pillar position plus constant product innovation. But there exist such problems as alienation of policy-based financial institutions and difficulty of sustainable development of commerce. Korean experience shows that in the initial stage, leading banks should take advantage of administrative interference and economic adjustment to fully display their role as a major channel, change the misconception that banks should match with enterprises in terms of economic scale, establish specialized SMS enterprise-oriented credit institutions and credit system with credit guarantee fund at the core and strengthen fine quantifying management. All these meausres will facilitate ICBC to take the leading role in this field and change its operational mode.