商业银行中小企业信贷专营机构模式分析与流程再造

Establising the Credit Facility Organizations Adapt the Characteristic of Small and Medium-sized Enterprises-The Research about Commercial Bank Franchise Organizations of Small and Medium-sized Enterprises

商业银行传统信贷组织不分企业规模分部门,束缚着支持中小企业的积极性,不利于专业化管理。近年来,各商业银行纷纷设立信贷专营机构进行信贷组织管理体制改革,一定程度上提升了服务中小企业的能力,但目前无论理论上还是实践中认识差异较大。作者认为,支持中小企业发展的信贷机构既要体现中小企业融资特点,还要体现组织机构设置原则,更要同商业银行组织机构改革态势保持高度一致,而将流程银行思想引入中小企业信贷组织机构是必然选择。

Traditional commercial bank credit organizations are compose of Sub-sector,pay no attention to not the size of enterprises,they restrict the initiation in supporting SMEs and do badly in professional management.In recent years,various Commercial banks set up kinds of franchise organizations of small and medium-sized enterprises to carry on the depth reform in credit facility management system.In the certain extent,they promoted the commercial bank to support the small and medium-sized enterprise serviceability,but present,there were some different views in the theory and practice.The author believed that the Commercial bank supports the development of small and medium-sized enterprise not only manifest the characteristic of the small and medium-sized enterprises,but also the basic principle of the establishment,what＇s more keep high uniformity with the reform situation of commercial bank organizations,so and agencies maintains the s the pattern the flow bank it is the inevitable choice for the credit facility organization of small and medium-sized enterprise to introduce the process bank thought.