贷款决策的流程化、标准化--以信贷工厂为例.docVIP

贷款决策的流程化、标准化--以信贷工厂为例 摘 要 自 2008 年美国爆发次贷危机以来，国内的众多中小企业，由于面临着资金短缺、融资困难等严重问题，生存状况亦不容乐观。为了有效的解决中小企业融资难的瓶颈，国家先后出台了诸多政策和法规，加大了对中小企业的扶持力度，与此同时，随着商业银行同业竞争的进一步加剧，为了增加收入来源，拓展新的业务领域，中小企业也逐渐引起了商业银行的高度重视，国内各商业银行明显加大了在中小企业融资方面的创新力度，在这些中小企业融资创新服务中，“信贷工厂”模式值得我们重点关注。本文主要通过对国内中小企业的现状与融资情况进行了阐述和分析，对“信贷工厂”模式产生的政策背景和经济背景进行了系统的分析，并着重分析了“信贷工厂”模式的主要特点、运作模式和基本操作流程等方面的问题，以及各商业银行的主要做法、成功经验和取得的成效，为银行同业提供借鉴和帮助。 关键词：中小企业 融资 商业银行 信贷工厂 Streamline, normalization of lending decisions -- to credit factory as an example Major: Student: Supervisor: Abstract Since 2008, the United States since the outbreak of the subprime crisis, the domestic many small and medium-sized enterprises, faced with serious problems such as shortage of funds, financing difficulties, living conditions also is not optimistic. In order to effectively solve the bottleneck of small and medium-sized enterprise financing difficult, countries have issued some policies and regulations, we will increase support for small and medium-sized enterprise, at the same time, as the commercial bank competition further intensifies, in order to increase revenue, expand new areas of business, small and medium-sized enterprises also gradually has drawn great attention of the commercial bank, domestic commercial Banks significantly increased in the small and medium-sized enterprise financing innovation efforts, in the small and medium-sized enterprise financing innovation service, credit factory pattern is worth us to focus on. This article mainly through to the domestic present situation and the financing situation of small and medium-sized enterprises (smes) are expounded and analyzed, on the background of policy credit factory pattern has carried on the system analysis and economic background, and analyzed the main characteristics of credit factory pattern, the operation mode and the basic operation process of problem, and the main methods of commercial Banks, the successful experience and results, and provide reference and