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泰隆银行多年专营小微企业贷款,形成一套独特方法,经验值得借鉴。泰隆银行于1993年在浙江台州成立,经过18年发展,从最初只有7个人的城信社,发展成为一个专营小微企业贷款业务的地域性商业银行。截至2010年年底,泰隆银行500万元以下贷款占贷款总额的90.5%,不良贷款率0.44%。其发展经验给小微信贷带来几点启示。关键在“专营”商业银行之所以不愿意做小微企业贷款,一方面,是因为机会成本较高,同样的投入,放在传统贷款服务上,可能会有更大利润。另一方面,则是因为
Tyrone Bank for many years franchise small and micro enterprise loans, forming a unique method, the experience is worth learning. Founded in Taizhou, Zhejiang Province in 1993, Tailong Bank has evolved from 18 years as a regional commercial bank that specializes in lending to small and micro enterprises from the city’s first letter of seven letters. As of the end of 2010, the loans under RMB 5 million by Tailong Bank accounted for 90.5% of the total loans and the non-performing loan ratio was 0.44%. Its development experience to bring a little inspiration for micro-credit. The key lies in the fact that commercial banks are reluctant to make loans for small and micro enterprises because of the higher opportunity cost and the same input that traditional commercial loans may bring with greater profits. On the other hand, it is because