Bank Of China Hunan Branch Of SME Credit Teasek Model

Since commercial banks can not meet existing SME credit demand model, the problem of financing has been a major problem restricting the development, at the same time, commercial banks increasingly intensified the competition within the industry, reduce the bargaining power of banks, big corporate profits fall in the contribution reasons, also began to seek new profit growth point. For this reason, the Bank of China Hunan Branch, established in 2009 an independent small and medium enterprises, began in the CZT region Temasek model innovation pilot, the pilot is directly related to the pattern in the province to promote the progress and promotion of effect on the development of small and medium businesses the bank to increase market and source of profit for social responsibility are of great strategic importance.Therefore, this article through field research, empirical cases, regional comparison, etc., come the first of the Bank of China Hunan Branch of Temasek credit model replicated in the CZT region exists in the implementation of the new model bias, marketing, streamline processes in place, risk management and other problems that effect their reproduction Temasek serious financial template below the expected index value measured, and then come to sum up the reasons for its replication is not complete, including the risk culture lag, system design in question, organizational structure does not reasonable incentives and customer orientation is not perfect and so is not clear, and finally by drawing on the Bank of China branch in Suzhou Sichuan Branch and the Temasek model to promote the industry positioning and process management experience, from a model of SMEs strategy Temasek height, adhere to the model of Temasek credit balance of the core concepts and Temasek, the main mode of the angle of multiple conflicts of interest on credit model Temasek Hunan branch of the Bank of China to further promote some suggestions.