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发力小微金融创新 服务小微企业发展

2017-08-16 06:26:33   中国青年网

渤海银行是1996年至今国务院批准新设立的唯一一家全国性股份制商业银行,于2005年12月成立。渤海银行大连分行2010年1月开业,是总行在东北地区设立的首家一级分行。建行之初,大连分行就设置了中小企业部,致力于为中小微企业提供全方位金融服务。该行充分认识到小微企业在增加就业、促进经济增长、科技创新等方面具有不可替代的作用,将服务小微企业提升到履行社会责任的高度,积极发挥机制好、效率高的优势,解放思想,创新小微金融服务理念,千方百计支持小微企业发展。

“实”字当头,足额投放贷款,确保对小微企业的支持政策落实到位

渤海银行大连分行为小微企业配置了专项信贷规模,确保各按进度足额投放于小微实体经济,千方百计支持小微企业发展。

该行重点加强同小微企业聚集的专业市场、集群商圈合作,加强同产业链条内的核心企业合作,加强同小微企业政府主管部门、商会协会等机构的合作,广泛搭建融资合作平台,因地制宜创新综合金融服务方案,加大对科技型、创新型、创业型小微实体经济,尤其是先进制造业、战略新兴产业、现代信息技术产业等小微企业的支持力度,实现小微企业客户营销模式从零散式向批量式的转变,拓展和培育了一批“小而优”“小而强”的小微企业客户群,近年来已累计向小微企业提供资金支持近200亿元。

该行对合作稳定、经营稳健的优质小微企业客户实施优惠减费让利政策。此前,该行已多次降低小微企业客户服务收费,且项目收费标准在股份制同业内处于偏低水平,除政府规定的免收费项目外,该行还主动对数十个项目实施了免费。

“快”字当先,优化流程、强化管理,为发展小微企业业务提供坚强保障

渤海银行大连分行致力于优化小微企业授信业务审批,构建了小微企业授信风险管理模式,并进一步放宽小微企业批量授信方案和单一小微企业客户授信的审批要求。

该行一直注重小微企业风险管理能力和业务开展效率的平衡,在政策制定方面,设置了单独的小微企业风险政策管理团队,每年出台相应的授信风险管理政策,切实贴近市场,为开展小微企业金融业务提供政策指引;在信贷审批方面,设立了专门的小微企业审批团队,配备专职尽责审查人员,并根据小微企业融资需求特点制定独立的审批流程,保证业务办理效率,实施“风险嵌入营销”,与客户经理平行作业,共同制定授信方案,实现风险管理前置,提升办理效率。同时,在分行权限内可以按照担保方式和金额对部分中小微企业授信业务实现自主审批,一定程度上提高了审批效率,为小微企业主提供便利。

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