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今年年初,银监会下发了《农村信用社小企业信用贷款和联保贷款指引》,全国农村合作金融机构纷纷围绕小企业贷款积极转变经营观念,找准市场发展定位,完善信贷管理机制,创新金融产品品种,有效地提升了农村合作金融机构的市场竞争力和服务层次。本期将围绕成功案例、风险防范、工作经验、高管心得等方面,从不同角度对各地农村台作金融机构小企业贷款进行深度的挖掘、剖析和评论,初步展现目前正在开展的小企业贷款现实状况、工作困境和发展前景,也希望借此对各地农村合作金融机构开展小企业贷款提供有益的借鉴和参考。
Earlier this year, the CBRC issued the Guidelines for Small Enterprise Credit Loans and UNPROFOR Loans for Rural Credit Cooperatives. The rural cooperative financial institutions all over the country have been actively changing their business concepts around small-enterprise loans, identifying market development positions, improving credit management mechanisms and innovating finance Product variety, effectively enhance the rural cooperative financial institutions market competitiveness and service levels. This issue will focus on successful cases, risk prevention, work experience, executive experience and so on, from different angles in all parts of rural financial institutions for small business loans to conduct deep excavation, analysis and commentary, the initial demonstration of the ongoing small business loans Actual situation, work predicament and development prospect, and also hope to provide useful reference and reference for small-scale enterprise loans from rural cooperative financial institutions all over the country.