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新加坡主权财富基金淡马锡创立的“信贷工厂”模式为之创造了巨大财富神话。近年来,这种模式更是受到越来越多银行的追捧。流程化、标准化的“信贷工厂”的根本优势就在于对成本的节约。但是,“信贷工厂”真的能节约成本吗?或者说怎么做才能达到“信贷工厂”节约成本的效果呢?文章将贷款主要成本分为三个方面:时间成本、不良贷款成本、贷款花费成本,对“信贷工厂”消耗的时间成本、不良贷款成本、贷款花费成本进行理论分析,最终得出“信贷工厂”模式在这三个方面都能在一定程度上节约成本。
Singapore’s sovereign wealth fund Temasek created “Credit Factory ” model has created a huge wealth of myths. In recent years, this model is more sought after by more and more banks. The fundamental advantage of a process-oriented, standardized “credit factory” lies in the cost savings. However, can the “credit factory” really save costs or how can it be done to achieve the cost-saving effect of the “credit factory”? The article divides the main cost of a loan into three parts: time cost, non-performing loan cost , The cost of loan, the time cost of “credit factory”, the cost of non-performing loan, and the cost of loan are theoretically analyzed. Finally, we can conclude that the “credit factory” mode can be saved to some extent in all three respects cost.