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农行力促小微企业健康成长

2017-09-24 10:46:51   中国经济网

小微企业是稳定增长、扩大就业、促进创新、繁荣市场和满足人民群众需求等方面不可或缺的有生力量,对全面建成小康社会具有重要意义。一直以来,农业银行以服务发展大局的责任感与推动经营转型的紧迫感,不断完善小微企业金融服务,以金融力量托举小微企业健康成长。

一、信贷投放连年增长

股改上市以来,农业银行积极践行“伴您成长”的企业承诺,不断增加小微企业信贷投放,连续七年实现了小微企业贷款增长的监管要求。截至2017年6月末,全行小微企业贷款余额12827亿元,贷款户数34万余户,申贷获得率94.14%。

成绩的取得殊为不易。多年来,农业银行倾斜资源资源配置,加大小微企业信贷投放力度。持续单列小微企业信贷增长计划,并将贷款增长相关指标纳入综合绩效考核,通过条线评价、业务督导等多种方式推动全行严格执行信贷投放计划,确保贷款投放量达到目标水平。同时,依托在“三农”领域积累的业务经验、网点与人员优势,重点支持县域小微企业发展,深入企业、深入园区,尽己所能为带动农民创业致富的小微企业提供资金支持,充分发挥大型银行金融服务小微企业主渠道与主力军作用。

二、服务体系不断完善

专业化的服务机构与团队是提升小微金融服务能力和风险防控水平的基础,国务院和监管部门多次明确要求大型商业银行要建立专业化小微企业金融服务组织体系。2009年,农业银行开始探索建立小微专营机构,诞生了了无锡科技支行、嘉兴科技支行等一批特色突出的专业化服务机构;2014年,总行和部分一级分行单独设立了小微企业金融部,专业化经营体系进一步完善;2016年,全行继续深化小微专营机构建设,设立了首批52家“小微企业金融服务示范支行”,进一步强化支行服务小微企业的基石作用。

按照“由专业的人做专业的事”的管理思路,农业银行配齐配强小微企业客户经理,充实小微企业服务人员队伍,重点增加基层网点客户经理数量。同时,加强员工培训,编写小微企业客户经理教材,组建专门的小微业务内训师队伍,并根据培训对象细分、充实和细化培训内容,打造一支高素质、专业化的员工队伍,提高基层行客户经理素质,提升全行服务小微企业的能力。此外,农业银行大力实施对公业务下沉战略,推动网点对公、零售业务联动协调发展,增强网点的市场竞争能力、综合营销能力和价值创造能力,提高基层行对公信贷业务经营能力。

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