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农户贷款数量多、额度小、信息不对称的特点,导致其工作效率低、管理成本高、风险控制难。近年来,农行淄博分行加快信息化建设,开发了农户小额贷款服务管理系统,成立了农户贷款客服中心,通过服务创新、渠道创新,对农户贷款业务实行集中式管理,提高了农户贷款业务的经营管理水平,走出了一条破解当前农户小额贷款“管理难”问题的可行之路。
The large number of farmers’ loans, the small quotas and the asymmetric information lead to low efficiency, high management costs and difficult risk control. In recent years, Zibo Branch of Agricultural Bank of China accelerated the construction of informationization, developed the micro-loan service management system for farmers and set up the customer loan service center for farmers. Through service innovation and channel innovation, the Bank managed centralized management of the loan business of farmers and improved the loan business of farmers Management level, out of a cracked the current micro-loans of farmers “difficult to manage ” the feasible way.