小企业“信贷工厂”:信用融合与制度转型  

Small Business "Credit Factory":Credit Merge and System Transformation

作　　者：刘洁[1] 冯波[1] 侯书威[1] 

机构地区：[1]中国人民银行淄博市中心支行,山东淄博255000

出　　处：《金融发展研究》2010年第10期47-51,共5页Journal Of Financial Development Research

摘　　要：本文对建设银行淄博分行的小企业"信贷工厂"进行了案例分析,认为"信贷工厂"模式的独立组织和模块化流程为大型商业银行进军小企业信贷市场提供了制度基础和技术保障,在弱化中小企业信息不对称问题、实施动态风险管理方面具有独特优势,具备普适性和可持续发展动力。This article chooses the CCB Zibo Branch which created the small business ＂credit factory＂ pattern,and finds that ＂ credit factory＂ pattern with independent organization and the modular flow,offers systematic basis and technological support for large-scale commercial banks that enter the small business credit market.＂Credit factory＂ pattern has the comparative predominance in solving information asymmetrical question and implementing dynamic risk management.The findings prove that ＂credit factory＂ pattern has the characters of universality and sustainable development and worth further research and promotion.

关 键 词：小企业信贷 信用融合 信贷工厂 

分 类 号：F830.33[经济管理—金融学]