北京建行特色机制缓解小企业融资难题

Special mechanisms to ease construction bank Beijing small enterprise financing difficult problem

To ease small business financing problems, China construction bank Beijing branch turn small business services as a business development mode, adjust the business structure and income structure of the important measures, strengthen the small business services in an important support role in business development strategy, establish characteristic mechanism, and build a cooperation platform, adhere to product innovation.

Set up small business specializing in services. As close to the market, close to customers, close to the community, shorten the service radius, the construction bank Beijing branch on the organizational structure in order to "small enterprises" credit factory for the template, optimization was set up covering 38 consumer credit in each administrative area of Beijing's center, through the "one-stop" work style services, acceptance, approval, release, review business links such as centralized operation, shorten the processing time, improve the efficiency of the service, highlights the professional focus on the characteristics of small business financial services.

In key regions to establish branch. On February 8, 2012, the construction bank Beijing branch was established in Beijing zhongguancun branch, become the first of the big four state-owned commercial Banks to set up a secondary branch kechuang enterprise service of financial institutions. More traditional branches of the zhongguancun branch location is fully functional

Organization implements the three "improve", one is to improve the flexible service of convenience; Two is to improve the "science and technology, the financial service level; Three is to improve product innovation activity. The zhongguancun branch launched the "pass" series of products, convenient for small businesses to make differentiation of full-service, unobstructed the park road to enterprise's financing.

Innovation rate card evaluation system. Bank of traditional approaches to credit business emphasis on customer credit rating, this way is more suitable for large enterprises, but the face has a "short, frequency and urgent" characteristics of small business customers, using credit rating, focusing too much on the financial statements of the enterprise and management situation, depend on customer's rating that differentiation and intensification level is not enough, too many links and processes and low efficiency. To this end, China construction bank Beijing branch actively studying small business customer characteristics, in the form of scorecard for customer verification, access and different categories of scorecard setting different indicators and parameters, focuses on the implementation of enterprise ability, personal credit, assets status, etc., the specific indicators including the basic situation of enterprises, partnerships, operation situation and situation of personal debt, etc., by scoring card instead of credit rating, the direct rapid complete customer evaluation, greatly improve the efficiency of business processing.

Building templates, the differentiation of risk control system. At the same time of developing small business, the construction bank Beijing branch also take effective measures, strengthen risk management. Before credit link, the construction bank Beijing branch will forward risk prevention work, by the approver together with account manager to carry out the research platform, fully understand the basic information platform, and targeted, develop financial services strategy of "one household one strategy, improve the marketing risk identification ability. On post-loan management, China construction bank Beijing branch to strengthen the understanding and analysis of industry risk, according to different customers, make different industry types of post-loan visit template, with the help of the community trade circle, chamber of commerce, associations, institutions such as power, a comprehensive understanding of customer production and operation situation and situation of capital operation, product sales, the timely discovery and risk aversion, accurately post-loan customer service focus, effectively carry out post-loan risk prevention work.