破解中小企业金融业务障碍的策略研究——基于中国工商银行信贷机制改革视角

A Strategic Study of Removing Obstacles Hindering Financial Services for Small and Medium-sized Enterprises:from the Perspective of Credit Mechanism Reform of ICBC

面对高成长性和高风险性并存的中小企业金融市场,中国工商银行如何继续保持国内领先和国际先进的中小企业金融业务地位,并以此促进自身发展,是当前迫切需要解决的问题。从中国工商银行信贷机制改革视角出发,必须做好以下六点:(1)完善对职能部门和客户经理的激励与风险考核机制;(2)修正中小企业信贷客户评级授信体系;(3)建立体现效率的信贷授权审批机制;(4)培育专职的小企业客户经理队伍;(5)完善中小企业金融产品体系;(6)摸索建立新型风险防控体系。

Faced with the financial market of small and medium-sized enterprises with the nature of coexistence of high growth and high-risk, the Industrial and Commercial Bank of China is faced with an urgent problem of how to maintain the leading place both domestically and internationally in that market so as to promote its own development. From the perspective of credit mechanism reform in the Industrial and Commercial Bank of China, the following six points should be well dealt with： （1） to perfect the incentive and risk-assessment mechanism for the functional departments and the customer managers; （2） to revise the credit rating system for the credit customers of small and medium-sized enterprises; （3） to set up the authorized credit approval mechanism with high efficiency; （4） to foster a team of customer managers specialized in business for small enterprises; （5） to perfect the financial product system for small enterprises; （6） to explore establishing a new type of risk prevention and control system.