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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

近期,按照国务院与银监会的要求,农业银行制定印发《普惠金融事业部建设实施方案》,在总行建立普惠金融事业部+中后台八中心的事业部组织架构,在分支行建立普惠金融事业部或普惠金融经营管理机构,全行形成“三农金融事业部+普惠金融事业部”双轮驱动的、覆盖城乡的、具有农业银行特色的普惠金融服务体系。

三、制度流程持续优化

根据“六项机制”与“四单原则”,农业银行不断打造差异化的小微企业金融政策制度与业务流程。完善小微企业客户准入、风险分类、信用评级、资本计量、审查审批、业务授权等方面的配套政策制度,不断改善小微企业金融业务经营环境。在统一的政策制度基础上,对辖内特色明显、小微企业金融资源丰富的区域制定差异化的区域信贷政策,并建立区域政策后评价制度,对区域政策及时调整和修订,确保充分发挥区域政策适用性、针对性与及时性的特点。完善小微企业金融业务考核评价体系,从业务发展能力、价值创造能力、风险管理能力等方面,持续优化考核指标,充分发挥绩效考核的基础性引领作用。探索小微企业产品计价管理办法,依据业务或产品贡献度合理确定计价标准,充分发挥正向激励作用,调动客户经理积极性。修订《小微企业信贷业务从业人员尽职免责管理办法》,明确免责条件,优化免责程序,保护小微信贷从业人员积极性。

推广专业化、批量化、模板化的“信贷工厂”服务模式。通过扩大内部授权、改进内部管理机制等方式,构建起“工厂式”的信贷业务流程体系,实现小微企业信贷业务的“一次调查、一次审查、一次审批”,有效提高小微企业申贷获得率。在信贷审查审批中心配备小微企业专职审查审批人员,对核心企业供应链上下游小微企业,以及经济开发区、高科技园区、产业集群、特色商圈等区域集聚小微企业客户群,采取批量调查、批量授信、批量用信模式提供专业化服务。进行小微企业信贷业务模版化试点,一方面,将真实性核查的制度要求固化在模版中,统一标准,避免信贷人员遗漏信息,实现系统的硬控制;另一方面,以制式表格取代文字报告,提高信贷审批的标准化水平,减轻信贷人员工作量,提升业务运作效率。

深化小微企业金融业务与信息技术的融合。研发推广“单位账户在线开户系统”,通过互联网渠道提供7×24小时的对公网点预约、开户及产品签约预填单服务,将客户开立账户、产品签约等线下手工操作移至线上系统处理,将原来3小时以上的对公开户签约时间缩短至30分钟以内,提升了客户体验,解决了小微客户办理业务“最后一公里”的问题。在2017年6月,在线预约开户的单位客户达3万户,为客户也为柜台人员节约了1.5万余小时的业务处理时间,系统推广取得初步成果。

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