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Research on Small and Medium Enterprises Credit Extension Model of Bank of China Jilin Branch

Author: LiuHong
Tutor: YangHong
School: Jilin University
Keywords: SME credit extension Bank of China Jilin branch "credit factory" mode risk control
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 50
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Credit difficulty of small and medium-sized enterprises is a widespread problemthroughout the world, governments, academia and other related fields ofexperts,scholars, practitioners are hoping to seek effective solutions. In this paper, theSME credit business of Bank of China branch in Jilin province were analyzed deeply,and based on this, put forward the constructive and feasible opinions and suggestionsfor improving the main pattern of the current our country commercial bank SME creditbusiness--"credit factory", to achieve the purpose of promoting the rapid developmentof our in the credit business of small and medium sized enterprises.SME credit business in Bank of China branch in Jilin province began to implementthe "credit factory" model since2009, under this model, the small and medium-sizedenterprise credit business in Bank of China Jilin branch in cludes market research,product sales, credit approval, the credit granting and management after the grant fiveprocess, its management mainly includes marketing management, examinationmanagement, early warning management and fraud management and other aspects.Bank of China Jilin branch "credit factory" mode of the SMEs credit business riskmanagement has taken strong measures, through the implementation of customer creditrating industry rating mechanism and improve credit guarantee work, strengthening thecontrol of banks to small and medium enterprises credit risk. Since the DevelopmentBank of China branch in Jilin province using the "credit factory" mode of developmentof SMEs credit business success, regardless of economic or social benefits,haveachieved good results. However, in the same time, this model still exist some obviousproblems in the actual operation of the process, such as market promotion Co., riskcontrol measures, the level is not high, the product selling capacity needs to be improved, product R&D and sales force and weak consciousness and methods of therisk management of the update backward. Aiming at these problems, the Jilin branch ofthe bank can be improved by implementing the following measures: the first is thedirection of the development of SME credit business; second is the study andclassification of the small and medium-sized enterprise customer demand; third is theconstruction of standardized operation process and management system; fourth is toimprove the marketing system, increase product sales and promotion; fifth is to improvethe business risk control measures and management level; sixth is to strengthenpersonnel training, to establish a high level of professional service team.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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