基于风险控制的国有银行中小企业信贷的流程优化

Opfimayation of the State-owned Banks'Loaning to SMEs Based on Risk Contro

目前国有银行利润增长乏力,大企业信贷业务受各种直接融资方式的影响,对银行的贡献度下降速度加快。在这种情况下,针对中小企业进行信贷产品创新对银行转变盈利方式、寻找新的盈利增长点具有重要意义。本文运用定性和定量相结合的方法,对银行提供中小企业贷款的审批层级、操作成本、激励机制等方面进行了具体分析,提出国有银行必须针对中小企业的经营特点来优化贷款流程:总行改变观念,调整中小企业信贷业务的经营策略;省行下放权限;二级分行简化审批;基层行抵押物创新。并与政府合作改善中小企业融资的外部环境。

Recently SOBs＇ （ state - owned banks＇ ） profits grow slowly. The profits of the loans to big enterprises decrease because they can get money by direct financing. In this case, making financial innovation for SMEs （Small and Medium Enterprises） is significant for the banks to change traditional way of profiting. This paper used the qualitative and quantitative analysis to study all factors that influence the loans to SMEs such as approving authority layers, operating cost, encouraging system and etc, suggested SOBs promote the process of loaning according to SMEs＇ characteristics： for example, the head office changes the idea, and adjusts the management strategy of the loan to SMEs; the province branches grant the approving authority to the base branches; the city branches simplify approving process; the basic branches make mortgages innovation. And the state - owned banks cooperate with government to promote the financial environment for SMEs.