城市商业银行对小微企业的信贷模式创新——以沈阳盛京银行为例

城市商业银行在小微企业融资发展过程中起到很大作用,但激烈的竞争也给城市商业银行带来了前所未有的挑战。本文以沈阳盛京银行为例,探讨了其信贷模式在操作流程、产品设计等方面存在的问题,在此基础上提出小微企业信贷创新模式——"咖e贷"。最后,从建立小微企业政策性融资模式、完善推广信贷工厂模式和依托大数据三个方面提出了创新商业银行信贷新模式的路径,旨在为小微企业提供方便、快捷且成本较低的、真正适应小微企业需求的创新金融产品。

Urban commercial banks play a big role in the process of financial business of small and micro enterprises. At the same time, competition has brought unprecedented challenges to the city commercial banks. Now we take Shengjing Bank of Shenyang for example, discuss the existing problems of its credit model in the operating process and product design and advance a cof- fee e-credit innovation mode for small and micro enterprises. Finally, we put forward the path of credit mode innovation of commercial banks by building small and micro enterprise financing mode, promoting credit factory model and relying on the Big Data as to explore provide convenient, fast, low cost and suitable financial products for small and micro enterprises.