中國中小企業(yè)貸款風險管理問題(smelendingand-資料下載頁
2025-02-20 16:49本頁面
【正文】 f an SME is defined as having a turnover of up to billion, that leaves a great deal of leeway for banks to lend only to the biggest (and therefore presumably most stable) SMEs. It would leave countless thousands of small businesses not catered for by banks, because they would be deemed “too difficult”. 政府有能力也確實已經(jīng)要求銀行放款給不同行業(yè)，那么政府也可以在中小企業(yè)貸款問題上作此努力。但根據(jù)國家法令來發(fā)放貸款本身就是方向性的錯誤，這永遠無法確保資金確實是流向了最需要支持也最懂得如何優(yōu)化利用這些資源的經(jīng)濟領(lǐng)域或中小企業(yè)。如果中小企業(yè)被定義為營業(yè)額最高可達17億元人民幣的企業(yè)，銀行就大可只把資金放貸給規(guī)模最大可能也最穩(wěn)定的那些中小企業(yè)。這樣一來，成千上萬數(shù)不清的小企業(yè)得不到銀行的支持，因為它們會被認為是風險太大“難以放貸”的對象。 So, how can banks and lending officers (including the risk management officers who police lending portfolios) go about opening up the market for SMEs? 所以，銀行和信貸人員（以及負責管理貸款組合的風控人員）的大門如何能為中小企業(yè)開啟呢？ 11 So what is being done to help SMEs now? 為扶持中小企業(yè)我們做出了哪些努力？ 1. Many banks now have dedicated desks or departments dealing specifically with SMEs. Both Qilu Bank and Hangzhou Bank have and they are making good progress 許多銀行建立了專門的柜臺或部門為中小企業(yè)服務。齊魯銀行和杭州銀行都采取了這種方式且正取得良好成效。 2. Western Banks taking stakes in Chinese banks and exchanging expertise. Commonwealth Bank has been doing this for a number of years in Jinan and Hangzhou. 西方銀行入股中資銀行并相互交流專業(yè)知識。這方面，澳洲聯(lián)邦銀行在濟南和杭州已積累了多年經(jīng)驗。 3. Setting up Rural Banks. HSBC is the admitted leader here, but many foreign banks, including Commonwealth Bank are eager to start. 建立村鎮(zhèn)銀行。匯豐銀行是大家公認的先驅(qū)，但包括澳洲聯(lián)邦銀行在內(nèi)的許多外資銀行都渴望進軍該市場。 4. Simple systems and technology to measure cashflow and match this to the business’s sales receipts to give an accurate picture of repayment ability 開發(fā)簡明的系統(tǒng)及技術(shù)來衡量現(xiàn)金流 , 并結(jié)合企業(yè)的銷售收入準確地判斷還款能力 5. “Soft Skills” – many SMEs do not have accurate financial information, so it is often useful to ask within the munity about reputation and reliability “軟實力” – 許多中小企業(yè)沒有準確的財務信息，因此，在社會上獲取有關(guān)企業(yè)的聲譽和可靠性信息通常很有幫助 6. TRAINING I CANNOT STRESS ENOUGH JUST HOW IMPORTANT THIS IS AND HOW THE DELIVERY OF TRAINING CAN BE IMPROVED. 培訓 – 我已一再強調(diào)培訓的重要性以及如何提高培訓效率 12 END 結(jié)束 QUESTIONS 提問 13 演講完畢，謝謝觀看！
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