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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

四、业务创新成效显著

打造小微特色产品服务体系。农业银行针对小微企业“短、小、频、急”的融资需求特点,从“简”、“便”入手,突破传统思维,创新推出了一系列特色金融产品和服务,小微企业贷款手续明显精简,贷款覆盖率稳步提高。同时,利用集团综合经营优势,向小微企业提供全生命周期、综合化金融服务,最大限度满足小微企业金融需求。此外,鼓励分行创新推出适应市场需求的区域特色产品,提高小微企业金融产品的多样性与适用性。

联动整合外部资源。充分借助政府部门及协会商会的组织优势、管理优势,找准区域经济以及优势产业的发展方向,加大对新经济小微企业的金融支持力度。运用服务品牌、信贷资源、科技网络以及网点渠道的优势,以融资业务为切入点,按照“资源共享、风险共管、优势互补、互利共赢”的原则,搭建“银政”合作平台,依托“政府增信”加大产品创新,优化运营流程,积极探索“银政”合作支持小微企业发展的新模式。深入推进“银税互动”,研发推广“税银通”,扩大企业信息来源,将纳税信息引入企业评价体系,解决小微企业信息不对称问题。

发展“互联网+”小微企业金融服务。研发上线“数据网贷”产品,将内部数据平台与核心企业“企业资源计划”(ERP)等系统进行对接,采用先进的数据挖掘技术对核心企业与其上下游小微企业之间的海量交易数据进行分析,运用创新的算法与模型进行智能化的信贷决策,批量、自动、快捷地向核心企业上下游的小微客户集群提供额度自由、期限灵活、成本低廉的融资服务,纯信用方式贷款,全流程网上操作,业务办理效率极高,把“互联网+”服务小微企业做到深处、落到实处、解决痛处,有效缓解了小微企业“融资难、融资贵、融资慢”等问题。

新时期,农业银行将继续贯彻《推进普惠金融发展规划(2016-2020年)》以及监管层关于推进普惠金融发展工作的指导意见,以实际举措践行普惠金融服务,切实优化专属业务流程、不断创新金融服务模式、大力加强服务体系建设,提高金融服务的覆盖率、可得性和满意度,增强广大小微企业对金融服务的获得感,为促进金融业可持续均衡发展,推动大众创业、万众创新,助推经济发展方式转型升级,增进社会公平和社会和谐贡献自己的力量。

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