男友太凶猛1v1高h,大地资源在线资源免费观看 ,人妻少妇精品视频二区,极度sm残忍bdsm变态

Global EditionASIA 中文雙語Fran?ais
Business
Home / Business / Finance

Regulators, banks seeking to reform small business loans

By Jiang Xueqing in Taizhou, Zhejiang | China Daily | Updated: 2019-05-09 10:24
Share
Share - WeChat
Client managers of Bank of Taizhou Co Ltd visit an auto parts manufacturing company in Jiaxing, Zhejiang province, to monitor the use of loans. [Photo provided to China Daily]

Effective risk management key to making micro-financing commercially sustainable

Governments and commercial banks at all levels must join forces to explore various measures to make small business loans and financing commercially sustainable, to which effective risk management is the key, said China's banking and insurance regulatory officials.

"If the nonperforming loan ratios of bank lending to micro and small enterprises are high, banks cannot sustain this area of business, so lowering risks is the most crucial part of the financial reform of small business loans," said Cao Guangqun, Party secretary of the China Banking and Insurance Regulatory Commission's office in Taizhou, Zhejiang province.

Based on strong community networks, small commercial banks that specialize in small business financing services, including Bank of Taizhou Co Ltd and Zhejiang Tailong Commercial Bank Co Ltd, rely heavily on client managers to collect information about business owners from various aspects of their lives. The information includes details on their character, family relationships, children, and whether or not they gamble or invest in stocks.

Both small commercial lenders serving a niche market and large State-owned commercial banks' branches in Taizhou, a coastal city known for its robust business activities in the private sector, are stepping up exploration of risk management via a combination of big data analytics and client managers' thorough investigation of small business owners, according to Cao.

To help banks understand their clients better to reduce lending risk, some cities and provinces have established platforms under the guidance of local governments, enabling banks to access a greater amount of data on private companies previously unavailable to them.

Suzhou, a major city in Jiangsu province, has launched a comprehensive financial services platform online, with the goal of helping banks assess the business performance and financial position of a company more accurately and largely reducing their marketing costs for micro and small enterprises.

The platform allows banks to access a vast collection of data provided by nearly 100 government departments for free. The data, which includes information about companies' tax payments, utility bill payments and lawsuits, as well as business owners' household registration records, give more accurate pictures of the micro and small enterprises registered on the platform.

By cross-checking the information with the corporate data they collect on their own, banks can verify the business and financial situation of companies to make lending decisions and implement risk-based pricing.

1 2 3 Next   >>|
Top
BACK TO THE TOP
English
Copyright 1995 - . All rights reserved. The content (including but not limited to text, photo, multimedia information, etc) published in this site belongs to China Daily Information Co (CDIC). Without written authorization from CDIC, such content shall not be republished or used in any form. Note: Browsers with 1024*768 or higher resolution are suggested for this site.
License for publishing multimedia online 0108263

Registration Number: 130349
FOLLOW US
CLOSE
 
主站蜘蛛池模板: 黔东| 九龙城区| 刚察县| 呼伦贝尔市| 通州区| 中卫市| 宝鸡市| 定安县| 安远县| 图木舒克市| 彰化市| 拉萨市| 河北区| 那曲县| 汽车| 巨野县| 潜江市| 阳原县| 开原市| 寿宁县| 蓬安县| 翼城县| 健康| 漯河市| 潮州市| 科技| 乌鲁木齐县| 慈溪市| 恩施市| 玉林市| 茶陵县| 鲁山县| 宝丰县| 隆回县| 宁国市| 安图县| 东乡族自治县| 鸡泽县| 龙门县| 西华县| 赤壁市|