建立适应中小企业特征的信贷组织机构

商业银行传统信贷组织不按企业规模分部门,束缚着信贷部门支持中小企业的积极性,不利于专业化管理。近年来,各商业银行纷纷设立信贷专营机构进行信贷组织管理体制改革,一定程度上提升了服务中小企业的能力,但目前无论理论上还是实践中认识差异较大。作者认为,支持中小企业发展的信贷机构既要体现中小企业融资特点,还要体现组织机构设置原则,更要同商业银行组织机构改革态势保持高度一致,而将流程银行思想引入中小企业信贷组织机构是必然选择。

Establishing Credit Facility that is Adaptive to the Characteristics of Small and Medium-sized Enterprises

Traditional credit facility in commercial bank is not divided according to size of enterprises,thus prohibiting the credit support for SMEs and professional management.In recent years,various commercial banks have set up franchise organizations for SMEs to carry out reform of credit facility management system.To some extent,it improved the ability of commercial bank in serving SMEs.Yet currently,there is big cognitive variation in both academics and practice.The authors believe that the credit facility for ...