民生银行西安分行打造小微企业金融服务商

Minsheng bank xi 'an branch to build small micro enterprise financial service providers

In recent years, the people's livelihood bank xi 'an branch to "strong focus on small, speed up the strategic transformation" as the goal, focus on credit, manpower, mechanism, and the outlets all inclined to small business resources that can be centralized, implements the business scale, double the number of customers.

According to understand, at the end of 2012, the bank small loans totaled 7.8 billion yuan, 86%, higher than the 50% average growth of the headquarters, balance accounted for 34%, the year up 10%; Small customer number more than 46000, 35300 new homes; Establish business cooperation 149, development of nearly 10 members, for small micro enterprise provides a comprehensive, efficient, high-quality financial services, is shaanxi branch awarded "small micro enterprise financial services advanced unit", by the xi 'an government awarded the "excellent unit" to support small business development, for three consecutive years by the news media as "small and medium enterprise (sme) best service bank".

The circle the "chain", mass, mass marketing, and actively carry out professional and specialized comprehensive service, has completed two head office level professional branch clothing, building materials, is planning construction in liquor, logistics, textiles, agricultural and sideline products as the characteristic specialized construction mode; It also actively strengthen innovation at the same time, the united eastern group successfully launched in the first small micro enterprise business card business card - the livelihood of the people bank of China east China group, make the broad masses of small micro customers have their own bank card. Based on this, the bank shall, in accordance with the "credit factory" pattern, optimizing the process construction of Banks, increase the intensity of small micro enterprises deepen the reform of financial services, selling small micro enterprise guarantee, credit loan year increase 9%, the cluster project loans accounted for 72%, in order to weaken the mortgage, to reduce the single line, the cluster development of small micro mass model characterized by obvious ascension.

Based on this, the bank also enrich the perfect small micro enterprise financial service system construction, introduced the "small micro mobile banking customer", "small micro 400 customer service special line", "merchants club", "small micro experts BBS", "child education", "wealth" big classroom, and other features to enjoy value-added services, implementation of "service card, compete, JianDuKa" three card project, and has set up a platform government support guide, regulators win-win cooperation platform for information exchange platform, civil society and the news media publicity platform, for small micro customer provides the omni-directional, high efficiency, high-quality "financing" + "RongZhi" service.

In 2013, the bank will continue to be in accordance with the "small micro enterprise Banks" market positioning, accelerate the specialization and streamline, centralised retail operation mode, for urban cooperative platform, accelerate the small micro financial network home, away from the line of self-help and small micro physical outlets such as specialized branch of construction, we will accelerate the establishment of a telephone, Internet, mobile phones, etc., "air services platform" micro and small clubs, great wealth class characteristic such as "ground service platform", to ensure that the small micro loan into "ten billion club" as soon as possible, do strong, do big subsidiaries, a characteristic of the development goals, efforts to build small micro enterprise financial professional service providers.