Optimizing Loan Management Of Small And Micro Enterprises To Improve Loan Service Efficiency

At present, P is the main financing tool for small and micro enterprises.

However, there are still some problems in the liquidity loan business of the banking industry, such as unreasonable term setting, single business variety and inflexible service mode, which affect the normal production and operation of small and micro enterprises, and sometimes even cause small and micro enterprises to solve the capital turnover problem through external high interest financing.

This not only increases the financing cost of small and micro enterprises, but also affects the normal production and operation of enterprises. At the same time, it is also not conducive to banks to understand the borrowers' financial and business status, and to grasp the true quality of loans, thus increasing the credit risk of small and micro enterprises.

The CBRC attaches great importance to this issue. After careful analysis of the causes of the problem, it has officially released the notice on the basis of summarizing relevant good practices in banking industry and widely soliciting opinions from the industry.

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< p > < < a href= > http:// > www.sjfzxm.com/news/index_c.asp > < < /a > > to optimize the loan management of small and micro enterprises, encourage banking financial institutions to improve and innovate the loan services of small and micro enterprises, and improve the efficiency of loan services.

First, it is necessary to set up the loan term reasonably and reasonably set the term of the loan of the working capital according to the factors such as the characteristics, scale, cycle and risk situation of the small and micro enterprises, so as to raise the loan maturity and < a href= "http://? Www.sjfzxm.com/news /index_c.asp" > matching /a < > the production and operation cycle of the small and micro enterprises.

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< p > secondly, we should enrich and improve the varieties of < a href= "http:// www.sjfzxm.com/news/index_c.asp > > loans > /a", scientifically use the business varieties such as revolving loan and annual trial loan, and adopt flexible repayment methods, such as installment repayment, so as to improve the convenience of small and micro enterprises to use loan funds and reduce the one-time repayment pressure of small and micro enterprises.

Thirdly, it is necessary to actively innovate the service mode, and to meet the needs of the small and micro enterprises with temporary financing difficulties when there are still financing needs after the turnaround of the working capital loan, and to meet the requirements, they can apply for renewal loans, carry out loan investigation and assessment in advance, classify risks scientifically, and conform to the normal class standards. They should be classified into normal categories.

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< p > in line with the principle of reducing financing costs and strengthening loan risk management, the notice encourages banks to optimize loan services for small and micro enterprises, while requiring banking financial institutions to strengthen loan risk management accordingly.

In order to create innovative businesses such as renewal loans, annual trial loans and revolving loans, banking financial institutions should formulate corresponding risk management systems, establish business operation processes, specify customer access and business authorization standards, design and improve contracts and other supporting documents, and improve information technology systems.

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< p > for the renewal business, the notice explicitly requires banking financial institutions to do well in the whole process management of loans, including the information of small and micro enterprises, ensuring the compliance with the new loan conditions, strengthening the internal control of the continued loan business, separately identifying the renewal loans in the credit system, increasing the management of post loan management, doing a good job in the field investigation and return visits to the customers, paying attention to the borrower's operation, financial and capital flow status, improving the frequency of checking and assessing the risk classification of the loan, and preventing the classification of loans by human beings.

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