创新小微金融服务 有效提升服务质效

Innovation of small and micro financial services to effectively enhance the quality and efficiency of services

近年来，城商行小微企业贷款规模及占比、贷款户数、审批通过率等指标整体呈上升趋势。值得关注的是，城商行通过引进和创新授信技术、应用移动技术与设备，获得了审批效率的提高，缩短了业务流程，部分城商行甚至实现了“秒批秒放”。

City Commercial Banks Supervision Department of CBRC recently conducted a research on 23 city commercial banks with better financial services and distinctive specialties and gathered established practices and experiences of small and micro financial services of city commercial banks based on the research findings. Research shows that city commercial banks excelled in enhancing financing accessibility, reducing financing cost and discovering new service areas of small and micro technological businesses. Indices of the scale of loans, loan ratio, number of households taking of loans and loan approval rate of city commercial banks on the whole have registered upward momentum. It is worth noticing that by bringing in new credit granting technologies and applying mobile technologies and devices, city commercial banks have raised loan approval rate, shortened application process and some have even achieved ‘instant loan approval and granting'.