'The Credit Factory' Pattern Analysis In Fullerton Guarantee Company

Although small and medium-sized enterprises of our country contribution rate has exceeded 60%of GDP,but small and medium-sized enterprise loan difficult problem is still not settled.Due to the small and medium-sized enterprise loan risk is much higher than general enterprise,and often do not have reliable financial statements,make the bank in order to avoid risks and Temasek loans a prudent attitude.With the continuous development of China's economy,Banks gradually realize the small and medium-sized enterprise credit business may generate huge space and profits,but the distance form their own complete financial institutions and the model of the small and medium-sized enterprise credit has a long way to go,in this context,"credit factory" pattern into China.,be in harmony,as a wholly owned subsidiary of Temasek owned by Deng's rich,use"credit factory" this model to carry out the investment guarantee business in China,the most complete embodies the "credit factory" of the organization structure and business processes.After the successful practice of financial bank in Indonesia,"credit factory" pattern into China has perfect theoretical basis,vast amounts of data support and more perfect IT system.In the insurance business to carry out a few years,also according to the actual situation of China for the corresponding adjustment.Through the study of "credit factory"pattern,can make up for a lack of the theory of Chinese sme loans.Anatomy "credit factory" pattern in China,the problems in the application process,on the one hand,to analyze the existing small and medium-sized enterprise credit status and evaluation;On the other hand,the hope can be in the "credit factory" model was improved,more adapted to the Chinese market improvement opinions are put forward."Credit factory" pattern through its created in China,insurance and other financial institutions,have practice in China for more than three years.Based on temasek and the bank of China,construction bank,bank of strategic partnership,"credit factory" pattern also can be applied in different degree in the Banks of small and medium-sized enterprise credit business.In the practice process and the feedback from the bank,my team and I found the "credit factory" pattern a huge advantage in the market and development prospects,as well as reflected in the regional market competition.Compared with the existing domestic small and medium-sized enterprise credit model,integrating bao "credit factory" pattern organization structure and business process on the set of design is more complete,standard and system.Will credit operation of business separation,before,during and the background becomes "sector bank" for "process bank"model in the present Chinese market innovative and competitive advantage.But in the process of doing business,we also found that the pattern of a huge success in Indonesia's financial bank had a few problems in the practice of China.The paper discusses and analysis the "credit factory" using in the Fullertonguarantee Company,made progress in the following several aspects.First of all,through the analysis of the existing bank credit model,found in the bank in service for small and medium-sized enterprises now loopholes in risk control,material operation risk is hard to avoid,and has the characteristics of long time,low efficiency,rich,"credit factory" pattern compared with bank credit model,very good avoid the risk,the principle of batch control make it more efficient,to facilitate the financing of small and medium-sized enterprises;Secondly,rich"credit factory" with a complete organization structure and operation process,but the process is running in other countries on the basis of the summary,so practice in China is not matching,in pricing,risk management,and other aspects,for example,this paper summarizes its core advantage and problems in China,and on the basis of the analysis of porter five,will existing processes,making it more efficient,more adaptable to the Chinese market.