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浦发银行专门设计开发了“信贷工厂”模式,让小微企业“贷得到、贷得快、贷得省”近年来,小微企业融资难问题已引起相关各方的高度重视,各大金融机构均陆续出台了小微企业专项信贷产品。但由于存在流动资金不足、财务报表制度缺失等问题,其业务开展流程还是频频受阻,形成了银企之间的“拉锯战”。为此,浦发银行近期专门针对小微企业融资设计开发了“信贷工厂”的模式,通过无纸化操作全面优化小微企业授信业务流程。“信贷工厂”还内设“网络循环贷”专项模块,满足了小微企业随借随还、节约成本的融资需求,进一
In recent years, the financing difficulties of small and micro enterprises have drawn great attention from all parties concerned. In recent years, the “small and medium-sized enterprises” Major financial institutions have successively introduced special credit products for small and micro enterprises. However, due to the problems of insufficient liquidity and lack of financial statements, the business development process has been hampered and the “tug of war” between banks and enterprises has been formed. To this end, Shanghai Pudong Development Bank recently designed specifically for small and micro enterprises financing the development of the “credit factory” model, through paperless operation to fully optimize the micro-credit business processes. “Credit Factory ” also built “network cycle loan ” special module to meet the financing needs of small and micro enterprises with the return, cost savings into a