浦发银行创新中小微企业服务模式

Shanghai pudong development bank innovation of micro, small and medium enterprises service mode

Micro, small and medium enterprises is an important factor in the development of the national economy. Over the years, Shanghai pudong development bank has always been in corporate social responsibility view for leading, actively explore effective micro, small and medium enterprises service pattern, makes every effort to micro, small and medium enterprises to provide efficient, diversified and comprehensive financial services. After years of exploration and practice, and gradually set up "five treasure + a factory" micro small and medium-sized financial service pattern system, in view of the micro, small and medium enterprises to further improve the service level.

Auspicious sambo, explore the batch service innovation model

Micro small and medium-sized enterprise financial services of the difficulty mainly lies in three asymmetry, namely the asymmetry of information asymmetry, risk and earnings, financing efficiency of asymmetric bank service process control. The three asymmetric greatly restricted the small micro enterprise financial services of commercial Banks development. Based on the in-depth analysis of the demand for banking services and enterprise, in 2012, Shanghai pudong development bank launched the auspicious sambo mode. This pattern is for gathered in certain areas of the common features of small and medium-sized enterprises design the batch of customer development and service pattern, is a comprehensive, whole process of innovation service system.

"Auspicious sambo" including "silver treasure" mode for park of small and medium-sized enterprises, in view of the market of small and medium-sized enterprises "silver TongBao" mode and in view of the supply chain upstream and downstream of small and medium-sized enterprises' silver chain "mode. Its core features: structures, open multilateral cooperation platform, the integration of all resources advantage, form a batch customer development plan, to provide efficient and exclusive credit approval process, and provide characteristic products in unity mode is flexible. "Auspicious sambo" was introduced to the project and customer screening on ABC management method, and actively explore different agglomeration class customer risk characteristics determination techniques, to targeted customer development, form a complete set of products and services provide the advanced management ideas and technical support.

Pudong "auspicious sambo" since its launch, the market responded enthusiastically. By late December 2012, Shanghai pudong development bank has actual development of auspicious gems project more than 550, to nearly 4500 small and medium-sized enterprises to provide loans to nearly 28 billion yuan.

Foster innovation model TouDai treasure, create growth

Micro, small and medium enterprises is the motive force of economic development, but also a source of growth. Shanghai pudong development bank on the development strategy, based on doing "micro, small and medium enterprises to grow the whole cooperation bank", and according to the growth characteristics of micro, small and medium enterprises, build a new model - the growing enterprise service TouDai treasure. "TouDai treasure" is Shanghai pudong development bank for high molding enterprise makes the comprehensive service mode, set the characteristic service mode, integration mode and special product system as a whole. Among them, science and technology financial model is designed for Shanghai pudong development bank alpha tech high growth companies to provide integrated service mode, innovation of system mechanism, the specific business processes, unique product system, "Swallowed project" is Shanghai pudong development bank specifically for high growth companies to provide integrated cultivation mode, with exclusive service system, dedicated service policy, exclusive cultivating mode, And project docking, TouDai linkage, thousands products such as loan is TouDai treasure under the system of specialty products for growth companies, for a growing customers introduce equity + indirect financing, direct financing, credit financing package.

Micro credit factory + small treasure, small micro financial innovation mode

Small micro enterprise financial service is the focus of the commercial Banks to micro, small and medium enterprises service, is also a difficulty. According to small micro enterprise "short, frequency, urgent" supporting financing needs to provide appropriate financial products and processes, has always been a matter of Shanghai pudong development bank actively thinking and practice. According to the operation characteristics of small micro enterprises and financing characteristics, Shanghai pudong development bank consolidation launched "credit factory + micro small treasure" small micro financial new pattern. Credit factory is full of small micro enterprise credit management system and management mode, through the establishment of a complete set of electronic analysis and judgment system of micro credit form small mass, standardization and intensive management. "Xiao bao" is Shanghai pudong development bank for small micro enterprise design small, flexible credit, as the main characteristics of the collection of credit products.

Micro small treasure combination is Shanghai pudong development bank credit factory and a great innovation in financial services in the field of small micro, thoroughly changed the small micro enterprise financial services of commercial Banks strategy and mode, transforming from the single enterprise's service for the small micro enterprise customer service; Looking from single-family enterprise risk to pay attention to under the law of large number of small micro enterprise customer base of the risk situation. The consolidation pattern, greatly improve the efficiency of Shanghai pudong development bank small micro financial services and capabilities. Credit factories, for example, launched only in hangzhou for a month, single-family average small micro enterprise financing amount dropped to below 1 million single-family financing efficiency more than double. Commercial Banks to small micro services further highlight the characteristics of focus on the grassroots, focus on efficiency.

"Five treasure + a factory" small and medium-sized micro model the construction of the system, a preliminary established the Shanghai pudong development bank to micro, small and medium enterprises exclusive service pyramid hierarchical classification, service system. From grassroots micro, small to gather type micro, small and high growth small micro, can be in the Shanghai pudong development bank to find the right products and services. Through "five treasure + a factory" model system gradually promoting and deepening, Shanghai pudong development bank for small and medium-sized micro financial services also shows a tendency of rapid development. In 2012, Shanghai pudong development bank for small and medium-sized enterprises (miit caliber) tables inside and outside the credit amount for the year by more than 30%, the growth of small and medium-sized credit customer is more than 20%. Franchise system in small and medium-sized customers, Shanghai pudong development bank for small and medium-sized enterprises loan growth reached 40%.

Shanghai pudong development bank in the small and medium-sized financial service innovation in the field of exploration has been fully affirmed the social from all walks of life. Shanghai pudong development bank for six consecutive years as "national support development of small and medium-sized enterprises top 10 commercial Banks" title; "Auspicious sambo" mode won the 2012 annual financial innovation achievements of Shanghai third prize and the 2012 Shanghai securities news gold award for the best partner Banks of small and medium-sized enterprises finance; Financial alpha mode of science and technology has won the third prize in 2012 and 2011 annual financial innovation achievements of Shanghai "banker" magazine of China top ten financial products innovation.