论文部分内容阅读
自2005年银监会推出小企业贷款指导意见以来,国内诸家银行“八仙过海”实施了一些有益的探索和创新。包头市商业银行则是其中较为成功的案例之一。该行行长李镇西认为,要想真正认识开展小企业贷款业务的重要性,切实深入地进行小企业贷款市场的开拓和开发,需要突破许多理念上的障碍。只有这样,才能真正认识小企业贷款业务,也才能形成有效的小企业贷款的操作流程和相关风险的控制流程,并与小企业共同成长。
Since the CBRC introduced the guideline for small business loans in 2005, some beneficial exploration and innovation have been implemented in the “Eight Immortals across the country” by domestic banks. Baotou Commercial Bank is one of the more successful cases. Li Zhenxi, president of the bank, believes that in order to really understand the importance of launching a small business loan business and earnestly and deeply explore and develop a small business loan market, many ideological obstacles need to be overcome. Only in this way can we truly understand the small enterprise loan business, and only then can we form an effective operation flow of small-enterprise loans and a control process of the related risks and grow together with small enterprises.