招行小企业信贷中心成长烦恼 争议专营机构模式(1)

China merchants bank small business credit growth center trouble dispute specializes in mechanism model (1)

"Got up in the early morning, catch the late set." This is a city of Shanghai business responsible for small business credit merchants bank small micro loan business evaluation. The idea or biased, but worth pondering.

In the middle of 2008, China merchants bank small business credit center based in suzhou, China's banking industry approved open small business loan fashion. Less than five years, the center in the country has established the 12 regional headquarters, 36 home branch, the team will be extended to the hundreds of people.

However, in the face of the small micro loan on the livelihood of the people of the younger generation dart peace shares line, China merchants bank small business credit center mainly aimed at the loan pattern slightly, and the people's livelihood signs such as widely used shares do personal business loan model, compared with the enterprise loans, credit management, and other aspects of the control than loose, development and abnormal rapidly.

Reporters from people familiar with the matter have learned, since 2012, China merchants bank began to adjust small micro loan business model, put forward the below 5 million small micro loan transfer upon the corresponding retail department management, at the same time, the small business credit center business range adjustment and narrow.

"More action from last year (2012) bottom, head office put forward the small business credit center to merge to each branch, and at the same time cancel suzhou headquarters." China merchants bank credit a small branch general manager said to reporters, but it eventually because of suzhou city government and the opposition of the CBRC, temporary not go.

Has not yet been through a complete cycle of economic action travel small business credit center, mode is facing new challenges, up to now faces an uncertain future.

And the branch "rob food"

And was founded in 2008, according to the plan, small business credit center structure mainly go two lines: the first, credit center according to strategic business system construction, the head office set up small business credit business management committee direct leadership, independence, and should set up special credit system, financial reporting system, etc.

Second, the small business credit center depending on the current branch in small business credit business.

"In other words, small business credit center according to licensed specializes in institutions form operation." The small business credit branch general manager says, and licence issued by the banking regulatory commission (CBRC) for the first small business credit business promotion of financial license.

Travel in the small business credit center work for many years, in the general manager opinion, on the whole, China merchants bank said small business credit center mode still it is innovation, successful, "such as countries in shenzhen has set up a special economic zone, give a lot of policy, stimulate the vitality".

China merchants bank credit to small business center some "special" policy, such as the small business loan without LanCun task, which is equivalent to directly to the small micro enterprise benefits, in the enterprise has accumulated a certain reputation. At the same time, risk tolerance is higher, at 3%.

And the relationship between the branches, the small business credit center also strive to malposition management, such as the main business assets of 30 million yuan of the following number, mean 5 million yuan or so small business customers, the branch loan deal only more than 10 million loan; Other accounts, deposit, settlement, etc by the branch or branch agency.

"Even so painstaking arrangement, China merchants bank still had not expected to happen after, separate after a performance evaluation, the branch for small business credit center service power is not enough." According to people familiar with the above, and sometimes meet loan limit is not clear, the branch and small business credit center in order to evaluation for customer's situation.

It is because of a small business credit center has preferential policy, the corresponding area upon a lot of ideas, such as small business credit center is mainly responsible for review issue loans, but the branch has including la deposit twenty - 30 assessment indicators. Due to the loan business basic separation, over the past few years voice opinions and have no so big, this person said renewal.

Even so, China merchants bank small business credit center still made significant achievements, in addition to the above network expansion, according to the China merchants bank half annals, by the end of June 2012, China merchants bank domestic small and medium-sized micro enterprise loans accounted for more than 56.29% have; And in the first half of 2012, small business credit center has loan balance customers more than 6000 small business loans, on over 100 billion.

"In 2012, our small business center credit balance still increase 10 billion yuan, potential is good, we really the first began to do is small business loans, although relatively tedious work, but many enterprise benefit." The small business credit branch general manager told reporters.