| Small and medium-sized enterprises(SMES)have become an important part of economy and in the development of society with their quantity and quality growing rapidly.Until the end of 2018,Small and medium-sized enterprises registered in China' s Industrial and Commercial Deparent accounted for more than 80%of total enterprises registered in Y province.However,as far as the current market situation is concerned,almost all small and medium-sized enterprises are facing the problem of financing difficulties,and most of them have a large demand for loan from commercial Banks.It can be said that strengthening business with small and medium-sized enterprises is a promising business line for commercial banks,which also serves as the key to their business integration and adjument.In this paper,Bank of China,Yunnan Branch was selected as the research subject.The branch specially set up a business department for small and medium-sized enterprises to help them get a loan.Based on the related theories of semanteme and Basel II in Singapore,the branch successfully set up the"credit factory"model.As a new model of loan on credit for SMES,"credit factory"provides"assembly line"for credit operations of different products.At the same time,as the"credit factory"model is built originally on the experience and development of small and medium-sized enterprises in Singapore,the model can not fit 100%to the actual situation of banks in China unless it is adjusted to the local needs and demands.This paper aims to find a solution to such problems,using scientific research to analyze the basic pattern and prospects of "credit factory",and the characteristics of " credit factory"in Bank of China,Yunnan Branch,to summarize the issues occurred in the implementation of"credit factory"model,and put forward suggestions of optimization.The research of this paper provides effective optimization measures for the"credit factory"of Bank of China,Yunnan Branch,and has certain reference significance for the industry. |
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