The Research Into "Credit Factory Mode"of BOC Hunan Branch

SMES are very difficult to get loans and this situation has puzzled Chinese government and enterprises. The main ways for SMES to get loans is through commercial bank or non-banking financial institutions. As SMES are full of risks、short lives、low credit and small amount, along with the influence from outside and financial crisis, SMES are much more difficult to get loans from banks. So how to provide loans to SMES and keeing a low risk become a big question for all kinds of financial institutions.Combined with the causes of the financing difficulties and credit theory, this paper analyses the existing problems and shortcomings of the three credit mode of BOC Hunan Branch,and puts forward a basic idea for Credit Factory mode.This paper points out that the construction of specialized institutions, design standards, product development process, special personality service system are4ways to build a new financing service system. In the specific implementation, business planning, industry research, process design and product strategy must be used, and management, risk control and personnel are3method to ensure the smooth implementation of the mode. The results of this research, has certain practical reference value for SMEs financing service of BOC Hunan branch and can rise the possibility of financing for SMEs, also it can provides new ideas for other financial institutions to solve SMEs’ financing problems.