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由于工作的关系,笔者经常同银行人员打交道,所谓一回生二回熟,时间长了很多人都成了无话不谈的朋友。也因此我们常常能听到许多银行内部一些“鲜为人知”的内幕,并且其与外界得知的情况往往大相径庭。仅以小微企业融资为例,管窥一斑。如今,小微企业融资难成为了社会上的共识。鲜少有人考究清楚为什么银行不愿为小微企融资。我们被告知的原因是,小微企业财务管理不健全、组织架构不完善、信用差等等。而事实上,大部分银行不愿为小微企业贷款,只是迫于国家政策的压力做些“姿态”罢了。那么,银行不愿意做小微贷的真实原因是什么呢?第一,成本高。银行在人力成本控制方面可谓做到了极致。银行为了弥补人员的不足,大量使用临时工,也就是派遣人员。目前,各个银行大约
Due to the work of the relationship, I often deal with the bank staff, the so-called a second generation back to life, a long time a lot of people have become friends to talk about. As a result, we often hear a few “little-known” insiders in many banks, and they often differ widely from the outside world. Take micro-enterprise financing for example. Today, small and micro enterprise financing has become a social consensus. Few people try to find out why banks are reluctant to finance small and micro enterprises. The reason we are told is that the financial management of small and micro enterprises is not sound, the organizational structure is not perfect, bad credit and so on. In fact, most banks are reluctant to lend to small and micro enterprises, just under the pressure of state policies to do some “gestures”. So, the real reason banks are reluctant to do micro-credit? First, the high cost. Banks have done their utmost in terms of human cost control. In order to compensate for the shortage of staff, the bank made heavy use of temporary workers, that is, sent personnel. Currently, each bank is about