All-round diagnosis of bank SME loan nine words of advice

Financial weekly retail Banking laboratory researcher Shanting/Wen SME loan, often is little wool SME loans, often talk about people excited, do the people headache this is not ideal, but this is the real financial weekly cross-border nine experts, advice to improve the system, the suggestion that the industry to develop family business loan difficulties are well known. Policy on SME loans to increase the momentum, banks also open up small business loans sector.　　But whether the difficulty of lending between banks and businesses can really improve, how many people will nod approval. Of course, not only are banks doing small business loans, there are other financial institutions. And they're doing the wind up on small business loans, and there's business innovation. Financial weekly Dialogue economists, finance institutions, a multi-angle talk about the problems faced by small business loans and solutions.　　Through their foreign lending and the existing domestic loan experience, so that other financial institutions can learn from.　　Domestic banks to invest in small and medium enterprises is not enough, the diversification of financing channels of SME loans not only enterprises and banks to understand, as well as academic experts are also concerned. Guo Tianyong, director of the China Banking Research Center at the Central University of Finance and Economics, said clearly that banks are not investing enough in SME lending.　　Although the bank has a small and medium-sized credit sector, but Guo Tianyong hope that the department can be separated from other departments in the business, separate assessment, separate management, improve its service content and quality. Domestic enterprise loans have been lagging behind the developed countries abroad, Guo Tianyong hope that the Bank of China to learn from foreign banks experience.　　Taiwan's banks, for example, because of the openness of the industry and the very small gap between deposit and loan, in such a difficult environment, Taiwan's banks rely on the management of reasonable costs and the acquisition of SME loans to obtain income. Mao, the famous economist and director of Beijing Tian Jing Economic Research Institute, proposed that the government's supervision and management credit guarantee company increased the cost of financing.　　He hoped that the domestic enterprise loan way should diversify, hoped the nongovernmental financing can legalize, solves the small and medium-sized enterprise loan financing difficulty question.　　Domestic banks need to learn from foreign banks. Economists point out that domestic banks can draw on the experience of foreign bank loan business.　　Hong Kong is the "stronghold" of SMEs in the world, as Standard Chartered Bank in Hong Kong SME loans in the actual combat, the same bank in domestic loans, the same problem, that is, the bank and corporate information asymmetry.　　Standard Chartered's experience in actual combat, every year, it organizes clients to participate in the global SME Expo in Hong Kong, and will contact Africa's business director to introduce hundreds of guests to Hong Kong, so that Chinese SMEs and their related business introductions and communication, so as to make up for trade information asymmetry problem. Citigroup, with its full effort in risk control, will consider the use of loan funds and the subject of lenders. If linked to the main business, the loan is relatively safe. But if the affiliates borrow, they will worry about the loan money being diverted.