建行山西分行大力支持小微企业发展

Construction bank branch in shanxi support small micro enterprise development

Since 2012, the China construction bank branch in Shanxi Province actively implement about requirements, improve the small business financial services to small business development as to improve their business structure, realize the strategic transformation of fuelled business, customer-focused, market-oriented, with an emphasis on marketing, and actively create conditions to build mass platform, work actively, small micro enterprise credit business has achieved great development. By late December 2012, the bank customers of small micro enterprises reached 714, loan balance of 4.77 billion, accounts for 4.78% of the company's loans. Small-business loans increased by 2.5 billion yuan, increasing by 106%. Through to the small micro enterprise credit support for the development of local economy, but also promoted the bank management benefit, set up to support the social image of small business development as own duty, improve the approval of the bank's government and the society.

Clear development strategy, to strengthen the construction of institutions

Actively develop small business, not only is the national requirements, is China construction bank branch in Shanxi Province its strategic transformation, enhance competitiveness of the internal needs. Over the past year, the bank increased investment in resources, strengthen infrastructure construction, small business development effect is obvious. In early 2012, CCB shaanxi branch line according to the internal and external development situation, namely made shanxi line 2012-2015, four years of development planning in terms of customer development strategy, put forward the "keep the basis position of large customers, expand the medium and small customers accounted for" development train of thought, he adhere to requirements "grabbing quite little, with medium to grasp" the development of the principle of customers, to speed up the building of "large customer as the leading, medium customers as the main body, small customers on the basis of" the three core customer base, rapid ascension of small customers, he business transformation and the future development lay the foundation. At the same time, strengthen institutional construction, small province branch business department was set up to improve the coverage and improve well at the beginning of professional quality as the current small business practitioners a priority to grasp, in the first quarter of 2012 was completed in hexi, xinzhou, datong, it is mined here, 4 secondary branch of small business management center construction, realize the construction of Banks specialize in small business institutions in Shanxi Province. Team for two consecutive years at the same time to organize the implementation of "small business ability to improve training in rotation" activities, from small business line branch business backbone composition, make use of the weekend break time, training in rotation of business throughout the province. Participants, head of the organization at the grass-roots level, customer manager, credit manager, small business management center, and related department personnel, a total of more than 1000 people. Through training, improve the personnel business level of understanding of small business, small business line theory level and operation ability, business communication channels within the province line is established.

Strengthen internal management, improve service efficiency

Construction bank Shanxi Province branch of the small business for small business "is short, frequency, urgent" characteristic, the in-depth study of existing each with business development, closely related to the secondary line of work, the business process is optimized, and set up a rapid response mechanism.

First line on the secondary risk management level rising, customer access permissions and approval authority for the reasonable business, further shorten the business process, improve the secondary line motivation and autonomy.

Then further optimized division process. To require all report all kinds of access, the approval documents of the content of the merger, the process simplified, adopted by the original OA file report form to be submitted to approval for review only, instead of through the mail report, along with all the reply along with all the simplify operation, reduce the workload of all, to improve the working efficiency.

Third on the secondary line of credit application, and actively to the head office for policy, coordinate with related departments, did it two days reply or reply in a timely manner.

Construct platform for marketing, product promotion characteristics

In 2012, the China construction bank branch according to the regional characteristics of industrial structure in Shanxi Province, Shanxi Province integrated the actual situation of the small enterprise customers set up all kinds of marketing platform, promotion of a number of special products for small businesses. And small and medium business administration and other government agencies, set up silver political cooperation platform; And government at the county level to form a "help protect gold" platform, "to help protect borrowed" product; Around the core enterprise in supply chain, set up with the center of the upstream and downstream small batch marketing platform, to promote "borrowed" supply products; Extensive marketing from other provinces in the latter, structures, chamber of commerce marketing platform, the promotion via "chamber of commerce", "syndication coinsurance" product; Mass marketing campaigns with development zone, hi-tech park. Throughout the year in jincheng, changzhi from yangquan, xinzhou, it is mined here, five cities on the "supply" loan 404 million yuan; In the luliang "supply" loan of 34.8 million yuan. Through "via chamber of commerce", "syndication coinsurance" product loans of 80.5 million yuan.

Reasonable grasp the benefits, achieve win-win argues

On small business loan pricing, China construction bank branch in shanxi strictly implements national policy and regulatory management. Adhere to the market-oriented principle, matching the benefit and risk according to the enterprise actual capacity and the market, set up a small business loan interest rate risk pricing mechanism, trade medium level of interest rate pricing levels. For small micro enterprise loan at the same time, it also take advantage of the inherent financial services, in-depth excavation of the small micro enterprise in different stages of development of financial services demand, provide enterprises with funds settlement, financial management, financial services, consulting, etc to be the customer's "first" bank, to achieve customer satisfaction and profitability of organic unity.

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