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在当前经济形势下,小企业的资产规模小、财务信息不透明、产品市场竞争力弱、抗风险能力差等因素,限制了小企业的融资渠道。为有效化解“贷款难”和“难贷款”问题,成都农村商业银行(以下简称农商行)及时把握小企业多元化信贷需求,在传统信贷服务的基础上,加强创新,促进了全市小企业健康稳定发展,实现了农商行增效、企业增收、政府满意的“三赢”良好格局。
Under the current economic situation, the small-scale assets of small enterprises, the opaque financial information, the weak market competitiveness of products and the poor ability to resist risks have restricted the financing channels for small enterprises. In order to effectively solve the problem of “difficult loans” and “difficult loans”, Chengdu Rural Commercial Bank (CNAO) promptly grasped the diversified credit needs of small enterprises. On the basis of traditional credit services, Chengdu Rural Commercial Bank strengthened innovation and promoted The healthy and stable development of small enterprises in the whole city realized the good pattern of “win-win-win-win-win” by the Agricultural Bank of China for boosting efficiency, increasing business revenue and satisfying the government.