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金融“活水”引向小微与“三农”

2017-08-22 05:16:46   中国青年网

本报记者邵海峰

最近召开的全国金融工作会议提出,要建设普惠金融体系,加强对小微企业、“三农”的金融服务,推进金融精准扶贫。大连银行业牢牢把握金融服务实体经济的本质要求,把更多金融“活水”引向小微企业和“三农”。

全市银行业采取多项措施缓解小微企业融资难、融资贵问题——

单列小微信贷计划。近几年来,我市各银行业机构年初就制定小微信贷计划及保障性措施,对小微贷款实行专项贷款额度,确保小微企业贷款额度使用,力求通过切实可行的操作目标持续提升小微金融服务的可获得性。截至2016年末,辖内银行业机构小微企业贷款余额达2194.6亿元,同比增加165.3亿元,增长8.15%,高于各项贷款增速7.8个百分点。

完善小微企业专营机制建设。建立包括专业部门、专职团队在内的多层次、专业化小微金融服务组织体系。因地制宜增设小微支行、社区支行、科技支行等专业化机构网点,强化对小微企业和科创型企业的支持。目前累计设立银监会持牌小微、社区支行179家,特色小微专业支行85家。大连银行将小微企业金融服务作为战略转型的重中之重,从信贷资源、风险资本、绩效奖励等多方面出台倾斜政策,近3年小微企业业务平均增速超过100%,在全行贷款存量中占比已达到20%。

对小微企业集群提供批量化、标准化服务。交通银行大连分行以公司客户的链属和结算上下游小微客户为切入点,积极拓展“恒浦物流”、“道依茨一汽”等多个供应链和大连股权交易协会平台,为数十户小微企业发放贷款3500万元。

针对小微企业普遍“轻资产”的情况,开发多类别信用贷款及新型质押贷款。截至2016年末,辖内银行业机构发放小微企业信用贷款余额207.35亿元,同比增长23%。工商银行大连市分行、大连农商银行等13家银行积极拓展创新订单、应收账款、股权等新型质押融资产品应用范围,为辖内小微企业提供43.05亿元信贷支持。

简化业务流程。通过评分卡等方式,建立基于大数据的授信评审模型,大大提升了小微企业金融服务的可获得性和满足度。兴业银行针对初创期的小微企业推出“创业贷”产品,采用计分卡作为标准化的风险评判工具,围绕商业计划的可行性和创业人的可靠性进行评分,以标准化操作和工厂化作业合理提高了贷款效率。

灵活运用小微企业授信政策,提升小微企业持续发展能力。邮储银行大连分行扎实推进“一区一策”、“一品一策”、“一户一策”的授信方针,紧密结合大连区域特点、战略定位、机构能力与风险状况,先后建设了4家总行级特色支行,为旅顺口区水产品养殖加工行业、普兰店区互感器行业、瓦房店市标准件制造和气调库果品储藏行业、庄河市水产品加工行业提供专项授信政策支撑,支持区域特色经济发展。

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