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微贷变革:邢台农商行小技术撬动大转型

2017-08-22 13:47:10   河北新闻网

当前,随着我国经济发展进入新常态、金融市场化改革步伐不断深入、互联网金融新业态的崛起,我国小微金融市场的竞争格局正发生着深刻变化。宏观经济转型升级和动力转换,使得商业银行原有的以对公业务为主的信贷扩张方式受到制约,纷纷调整业务方向,转向小微企业等“长尾客户”。互联网金融企业也利用自身的技术优势,不断向小微金融领域渗透。在此背景下,以“三农”和小微企业为客户基础的农商银行面临着日益严峻的市场竞争形势。

新形势下,不断完善服务小微企业的信贷理念和技术,加快小微金融业务的拓展步伐,巩固小微企业金融领域的传统优势,既是农商银行应对市场竞争的战略选择,也是推进自身转型发展的题中之义。

小微金融:农商银行业务转型的战略支点

小微企业作为农商银行业务拓展的传统客户,既是当前农商银行实现比较竞争优势的基础客户群,更是农商银行实现可持续发展的业务蓝海。尤其在当前经济处于下行周期、利率市场化落地、金融同业竞争加剧的背景下,小微金融业务对于农商银行的转型发展具有重要的战略意义。

首先,小微金融业务为农商银行业务转型提供了广阔空间。随着宏观经济结构调整和供给侧结构性改革的深入推进,不少行业和企业出现经营困难,风险逐步暴露,使得信贷投放受到制约。经济新常态下,农商银行要实现可持续发展,须在业务结构进行转型调整,由“做大”向“做小”转变,通过下沉业务重心,做大做实小微企业等基础客户群,开拓业务可持续发展的新空间。小微企业数量众多、行业分散、金融需求旺盛,这为农商银行调整资产结构、分散风险、实现客户多元化、推动金融产品交叉销售、促进中间业务发展等都提供了巨大的空间。

其次,小微金融业务有利于农商银行掌握业务定价主动权。随着利率市场化的深入推进,中小商业银行负债端成本不断上升,在激烈的竞争环境下,信贷业务逐渐呈现买方市场的发展态势。单个小微企业由于规模小、抗风险能力较低,使得中小商业银行在小微贷款中具优势的定价权,在有效控制风险的前提下,可以获得更高的风险溢价、提升盈利能力。

再次,发展小微金融业务有利于农商银行培育差异化的竞争优势。当前,随着金融市场化改革的深入推进,各类金融主体的业务触角纷纷向县域金融领域延伸。从业务能力角度看,农商银行由于规模小、资本实力弱,与其他大型商业银行相比,在大客户获客方面没有任何竞争优势。由于小微业务属于劳动密集型业务,农商银行则可以发挥点多面广、人缘地缘优势,通过深耕小微金融市场,获得差异化竞争优势。

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