CAJ | 학술논문

随着国家一系列鼓励政策的出台,各银行机构均有意识开拓优质中小企业信贷市场,为克服中小企业担保物不足及信息不对称问题进行的产品创新也层出不穷。＂中银信贷工厂＂模式便是通过流程创新、内部开设＂小银行＂来克服大银行与中小企业贷款特点错位问题的新途径。＂中银信贷工厂＂在客户开发、产品开发、风险管理等方面的创新提高了中小企业贷款服务效率,同时也实现了自身的经济价值、提高了自身的社会评价。
수착국가일계렬고려정책적출태,각은행궤구균유의식개탁우질중소기업신대시장,위극복중소기업담보물불족급신식불대칭문제진행적산품창신야층출불궁。＂중은신대공엄＂모식편시통과류정창신、내부개설＂소은행＂래극복대은행여중소기업대관특점착위문제적신도경。＂중은신대공엄＂재객호개발、산품개발、풍험관리등방면적창신제고료중소기업대관복무효솔,동시야실현료자신적경제개치、제고료자신적사회평개。
Financing difficulties of SMEs has been concerned in recent years. As a series of encouragement policies wereimplemented, banks are conscious to develop high quality SMEs credit market. A lot of new products have been innovated to solve SMEs insufficient collateral and asymmetric information problems. While the ＂BC Credit Factory＂ model to create a new way to facilitate the financing of SMEs which is setting up a internal ＂small bank＂ solve the imposition problem between the big bank and SMEs. The ＂BC Credit Factory＂ model innovates in customer service, product development, risk manage- ment and other aspects to improve efficiency, to achieve bank＇ s economic interests and social value synchronously.