华夏银行“结对” 扶持小微

Huaxia bank "pair" to support small micro

Small micro enterprises are individual boss, contact more at ordinary times is a network of customer manager, but involves the content of the company, the customer manager and not comprehensive comprehensive solution again. Yesterday, the reporter learns from huaxia bank wuhan branch, to solve the contradiction of asymmetric information, the bank will be small and medium-sized enterprise credit professionals "binding" with customer manager, pairing service.

"Network account manager contact enterprise co., LTD., how to choose the most high quality solutions for small micro enterprise service, limitations, and now will dock with the binding of small and medium-sized enterprise credit professionals, can be optimized to handle process." Huaxia bank wuhan branch concerned personage introduction, customer manager and small micro enterprise communication before, most of them only from conventional credit processing method, this paper is not comprehensive to understand the status of the enterprise's growth, also can't customize product according to customer requirements. Pair after the service, the customer manager to accept the company consultation, small and medium-sized enterprise credit professionals work together with customer manager, in-depth enterprise, from the customer to choose, credit investigation, credit approval, to carry out the examination and approval conditions, lending ShangZhang, post-loan management and so on the whole process implementation support, improve credit approval pass rate.

Reporter understanding, at present the huaxia bank wuhan branch established 5 million yuan the following small micro enterprise customers as a service object, using the "borrowed" sold type relay, "borrowed" rent, "catering credit loan", etc, to strengthen the modern service industry, the people's livelihood, agriculture, culture, high-tech industries such as support. In late 2012 the bank balance of small business loans of 2012 yuan, the year an increase of 1.59 billion yuan, up 35.7%; Small business loans from the previous year more than 390 million yuan.