"Hamburger " difficult depend on standardizing production
Xu Mingdong says, mcdonald's sells hamburger, difficulty does not depend on making a hamburger, fall in the requirement of speed, standard, price however, produce a so much hamburger all over the world everyday.
He thinks, business of credit of medium and small businesses is likewise such, need efficiency, cost and the control to the risk. The United States from on 60 time begin the century, finance takes off intermediary phenomenon to tend apparent, big company financing relies on commercial bank credit completely no longer, banking Wu changes attention to medium and small businesses gradually. However, the bottleneck of development just got a breakthrough 1995, company of science and technology of a finance and institute of American risk government built model of grading of risk of medium and small businesses jointly, make efficiency remarkable rise, the bank flow on this foundation, origanization construction produced very big change. Credit of American medium and small businesses is very mature already nowadays, the credit of medium and small businesses that American bank handles everyday has 1500.
According to introducing, bank of an United States is in of this respect transform minute of pace to go, it is the many loan office inside an area manage platform conformity is handling center of a loan, make the continuity that gives a letter, consistency is able to increase, credit asset quality more be paid close attention to, return the goal that can achieve synergism of depletion of numbers; 2 it is to build risk management model and the system that give a letter, in application of rapid separate loan " good " with " bad " , raise the rate that data is collected and manages, reduce the pay cost of the member that give a letter; 3 it is to undertake flowing solid bestow transfer.
As we have learned, each bank is on Shanghai in the development of business of medium and small businesses, take standardization seriously more and more, reduce management cost with this. If press big company credit to run means operation, business of credit of medium and small businesses gets profit very hard. From client level character, hope loan rate is accelerated, standardization is loan " carry fast " and the premise that assures credit quality.
10 financial data can foretell put lend perspective
The difficulty of business of credit of medium and small businesses depends on information asymmetry above all, the bank needs to discern the true bogus that the enterprise submits the information such as financial data. To the bank, the importance of apiration of reimbursement of medium and small businesses exceeds its reimbursement capacity even, the company is bigger, criterion it is not important that reimbursement apiration is jumped over. But also want to see, credit risk basically comes from at two respects, it is borrower, 2 it is loan project. Xu Mingdong says, big company looks be like without credit risk, but if loan amount passes,have a risk possibly greatly. Conversely, although borrower is weak, but lend 50 thousand yuan of unlikelihood the risk.
Previous12 Next