中小企业融资边界的动态扩展:威海商行小企业信贷模式

Dynamic Expansion of Financing Border of SMEs:the Small Enterprises Credit Model of Weihai City Commercial Bank

本文通过对威海市商业银行创新管理模式成功拓展中小企业融资业务的案例分析,指出小企业信贷机构的内部单设、差别信贷政策和财税扶持是中小企业信贷领域有效拓展的基础和动力。以还款来源为主线的抽象融资边界,不但为金融机构信贷营销提供了新思路,也把中小企业信贷领域向外动态扩展。

Based on analysis of the innovation of Weihai City Commercial Bank which successfully expands the area of SMEs credit,this article points out that establishing specific SME credit department in banks,distinct credit policies and fiscal support are the basis and dynamic to expand the area of SMEs credit.The abstract credit border based on repayment ability provids a new thread in credit marketing for financial institutions and expanded the credit area of SMEs dynamically.