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融资难是长期困扰中国中小企业发展的主要问题之一。近年来,商业银行在中小企业信贷上做出了积极的尝试和探索,信贷工厂是其中的主要模式之一。本文试从管理学角度对信贷工厂业务模式的特点、核心理念及存在问题进行分析。
Financing difficulties are one of the major problems that plagued the development of China’s small and medium-sized enterprises for a long time. In recent years, commercial banks have made positive attempts and exploration on SME credit. Credit factories are one of the major modes. This article tries to analyze the characteristics, core concepts and existing problems of credit factory business model from the perspective of management.