我国商业银行分支机构小企业金融业务经营策略研究——以工商银行L市二级分行为例

Strategies for Branches of Chinese Commercial Banks to Operate Financial Business for Small Enterprises——With the Case of an Tier-two Branch of ICBC in City L

随着《国务院关于进一步促进中小企业发展的若干意见》的出台,如何进一步加快小企业金融业务发展,客观地摆在了商业银行从业人员面前。笔者以工商银行L市二级分行的现状为例,提出商业银行在加快小企业金融业务发展的经营策略上,应从5个方面引起注意:一是要进一步提高小企业金融业务人员的综合素质;二是要加快小企业金融业务产品的创新步伐;三是进一步优化小企业金融业务的组织架构;四是使现有的小企业贷款业务激励机制逐步升级;五是在风险可控的前提下,力争小企业金融业务准入在基层支行层面上逐步、全面放开。

Since the State Council promulgated Suggestions to Further Promote the Development of Small-and-mediumsized Enterprises, how to further accelerate the development of finaneial business for small enterprise has been an important task faced by commercial banks. With the case of an tier-two branch of IBC in city L, the paper puts forward related strategies from 5 aspects as follows： first, the comprehensive quality of employees of financial business for small enterprises should be further improved; second, the innovation of related financial products should be accelerated; third, the organization of re- lated business should be further optimized, fourth, related incentive mechanism should be gradually updated; the last but not least, under the premise of sufficient risk control, financial business for small enterprises should be gradually and all-around opened for sub-branches.