来源:21世纪经济报道 小编:朱岳 发布时间:2013年01月31日
内容导读: 前者以招商银行为代表,其小企业信贷中心是一个持牌的专营机构,但这种模式下,由于分行和小企业信贷中心分开考核,分行为小企业信贷中心介绍客户的动力没有那么大,存在着不小的矛盾。
China merchants bank small business credit growth center trouble dispute specializes in mechanism model (4)
To center for solution
The next question is, small business credit center next step, how to go?
According to the above city business personage says, the general will small business loan is divided into two modes: specializes in mechanism model, row management mode.
The first with China merchants bank as a representative, the small business credit center is a licensed in the organization, but this kind of mode, because of the branch and small business credit center separate assessment, the branch for small business credit center introduction customer power have no so big, there are a lot of contradictions.
He analysis, it's private Banks are faced with the problem similar, if private bank independent of bank operation, as a specialized in institutions, the bank has no power contribution, and strengthen the relationship between customer competition. Therefore, energy and banking separate specializes in institutions only credit card business, credit card is can separate, because business independent, technical support can also be independent.
But other specializes in business, including credit, capital operation, private banking, etc., are involved in the customer settlement, settle, and customer resources development, must deal with those relations, especially the small business lending institutions only credit audit function.
"Now a lot of bank loans to small businesses to row mode, specializes in mode is have their own advantages, such as independent, professional and so on, but to rationalize and those internal assessment mechanism is still a big challenge." The small business credit center that general manager.
In his view, if think a little farther, and now face the fundamental problem is that how to positioning small business credit center, if as a experimental and innovative things, it does exist necessary, can put the new policy, experimental things to try it. But if only the small business credit center as a similar to the branch credit agencies, so there is necessity is almost zero.
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