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面对高成长性和高风险性并存的中小企业金融市场,中国工商银行如何继续保持国内领先和国际先进的中小企业金融业务地位,并以此促进自身发展,是当前迫切需要解决的问题。从中国工商银行信贷机制改革视角出发,必须做好以下六点:(1)完善对职能部门和客户经理的激励与风险考核机制;(2)修正中小企业信贷客户评级授信体系;(3)建立体现效率的信贷授权审批机制;(4)培育专职的小企业客户经理队伍;(5)完善中小企业金融产品体系;(6)摸索建立新型风险防控体系。
Faced with the high-growth and high-risk SME financial markets, how ICBC can continue to maintain the leading domestic and international advanced financial services for SMEs and promote their own development is an urgent issue to be solved. From the perspective of ICBC credit mechanism reform, we must do the following six points: (1) improve incentives and risk assessment mechanisms for functional departments and account managers; (2) revise credit rating systems for SME credit customers; (3) establish (4) nurturing a full-time small customer account manager team; (5) improving the SME financial product system; (6) exploring and establishing a new risk prevention and control system.