论文部分内容阅读
股改上市以来,特别是自2009年国家推出大力扶持小微企业一系列重要政策后,工行的小微信贷业务以其收益率高、手续简便等众多优势,不断扩大市场规模。截至2014年,河北保定分行小微企业信贷余额45.47亿元;年均小微贷款投放量62.92亿元,占年均全部贷款投放量的37.72%。自单独设立小企业金融业务中心以来,保定分行始终秉承“健康、稳定、较快”的梯次发展战略,在逐步提升小微信贷业务贡献度的同时,将控制风险作为业务发展的前提条件,较为有效地控制了小微企业贷款风险,不良率和不良额始终处于全省较低水平。
Since the reform of the stock market, especially since 2009 when the government launched a series of major policies to support small and micro enterprises, ICBC’s small and micro credit businesses have continuously expanded the market with many advantages such as high yield and simple procedures. As of 2014, the credit balance of small and micro enterprises in Baoding Branch of Hebei Province was 4.547 billion yuan; the average amount of small and micro loans was 6.292 billion yuan, accounting for 37.72% of the total annual loans. Since the establishment of a separate small business financial business center, Baoding Branch has always adhered to the “healthy, stable and fast” echelon development strategy. While gradually improving the contribution of small and micro credit businesses, the Bank took control risk as a prerequisite for business development , More effectively controlled the risk of loans to small and micro enterprises, and the non-performing rate and non-performing loans remained at a relatively low level in the province.