德州工商银行中小企业流动资金贷款流程再造案例

SMEs Process Reengineering of Working Capital Loan:Case of ICBC Dezhou Branch Trade Financing

流动资金贷款"流而不动"的现象在中小企业中尤为突出,这是事关银行贷款安全和企业发展乃至生存的两难问题。山东省德州市工商银行在小企业贷款实践中,以贸易融资替代传统的流动资金贷款,既支持了企业发展,又妥善保全了银行资产。此举可能对银行防范信贷风险和支持中小企业发展有所借鉴。

In the credit business, working capital loan is generally in a state of ＂existing but not flowing＂ .Once the loan is provided to enterprises, banks have difficulty in withdrawing the loan, which is especially obviously in SMEs loan busi- ness. Because the SMEs have limited capability to resist risk, so if the bank withdraw loan, the SMEs would has capital risk, but if not, the banks face potential risk. In this case, banks are cautious to provide loans to SMEs. How to withdraw the work- ing capital loan safely has positive effect to banks＇SMEs loan business. In ICBC Dezhou Branch＇s practice, they process reengineering of working capital loan. Based on this case, this paper analyzes the advantages of trade financing to substitute traditional working capital loan, to support SMEs development and protect bank asset safety. This paper analyzes the defects of traditional working capital loans and the advantages of the trade financing, and emphasizes the validity and necessity of the trade financing.