小企业融资与银行经营转型--基于中国工商银行广东省分行相关实践的分析

Small Enterprise Financing and Bank's Business Transformation——An Analysis Based on the Relevant Practice of ICBC Guangdong Branch

为解决小企业融资难问题,工商银行广东省分行以专业市场为切入点,通过创新风险控制方式,以"专业换砖头",实施"专业市场、专业产品、专业管理"的"三专"模式,跳出以抵押物为核心的传统经营思路,通过挑好选好专业市场和目标客户,设计好专业产品和落实好专业风险控制这三项主要措施来经营小企业金融业务。该项工作在促进小企业业务可持续发展的同时,实现了银行自身的经营转型。本文还针对目前"三专"模式面临的一些问题提出相关的政策建议如下:突出重点、盘大做强;营造良好的信用环境;加强管理、积极引导;财政支持;加大政策支持力度等。

To solve the problem of small enterprise financing, the ICBC Guangdong Branch, through the professional market as entry point, the innovative risk management approach and with the profession in exchange for ＂bricks＂, changes the traditional business ideas that collateral is the core, implements the ＂three P＂ model professional market, professional product and professional management, and takes three measures which include the selection of good professional market and target customer, the design of the good product and the implementation of good professional risk control, to run the business of small enterprise financing. The Guangdong Branch＇s work has promoted the sustainable development of the small enterprises, meanwhile, the bank has achieved its own business transformation. Aimed at the current problems that the ＂three P＂ model faces, the article proposes the policy recommendations as follows： to highlight the business focus and become bigger and stronger; to create a favorable credit environment; to strengthen management and active guide; to give the financial support and greater policy support, etc..