招行小企业信贷中心成长烦恼 争议专营机构模式(2)

China merchants bank small business credit growth center trouble dispute specializes in mechanism model (2)

Adjustment aggravate differences

"But, China merchants bank small business center to do an average of 500-8 million customers, but face do not go up trouble, surface is very narrow. Shanghai sub-centres perspective, to my contact, personnel is 30 or so, quantity is not easy to do. The city Shanghai small business credit responsible person, he had done in ningbo bank 300-8 million small business loans, and push more difficult.

Travel and small business credit center mainly do business loans in the supervision, business loans to credit after are very strict, China merchants bank itself is also very serious, require a quarter run a trip to credit, the worse the shortage of the hand.

The city business personage says, relative ratio, minsheng bank loans to small businesses, such as take personal business loan form, business come from the situation.

Maybe feel renewed pressure, in May 2012, China merchants bank launched a small micro financial innovation products business card, the small micro financial binding on a piece of bank card to the retail business of way to do small micro finance business. In the industry point of view, this is close watch minsheng bank business credit pass.

According to the small business credit sub-center travel general manager introduction, the adjustment to below 5 million small micro enterprise loans to retail department, business adjustment, new below 5 million k by small micro business retail, stock business and more than 5 million small and medium-sized enterprise by the small business credit center is responsible for.

"In fact, the adjustment, we small business center business scope and branch retail department business registration cases are more." He says.

For example, a loan belongs to it is sometimes hard to define, namely can use enterprise method, also can make personal business loans, since then, the branch and the contradiction between the small business credit center appeared signs of open. "Small business credit center and those with more difficult, a 300-4 million loan, can be used as enterprise loan, also can be used as a personal business loans, the branch simply report to branch business loan to approval forget it." The small business credit branch general manager said.

In the internal mechanism not rationalize, external environment is changing. With the marketization of the interest rate, small business credit high bargaining more be bank value, in the inspection under pressure, the branch and small business credit center competition is self-evident.

"Since then, the district branch and small business credit center together for a meeting, different opinion increases gradually, directed at the center of the small business credit preferential policies. The general manager said, and branch, compared to small business credit center appear relatively weak.

In his view, China merchants bank small business credit center and has many of the cases, and in 2008, the small business credit center was established in 4 trillion, shortly after the national incomes of investment policy, economic recovery soon. By the end of 2012, has not yet been through a complete cycle of small business credit center, in this year's economic situation is still bad, will face greater external pressure.