德州工商银行中小企业流动资金贷款流程再造案例

德州工商银行中小企业

流动资金贷款流程再造案例

陈艳玲1

（中国人民银行德州市中心支行，山东 德州 253012）

摘 要：流动资金贷款“流而不动”的现象在中小企业中尤为突出，这是事关银行贷款安全和企业发展乃至生存的两难问题。山东省德州市工商银行在小企业贷款实践中，以贸易融资替代传统的流动资金贷款，既支持了企业发展，又妥善保全了银行资产。此举可能对银行防范信贷风险和支持中小企业发展有所借鉴。

关键词：中小企业；贷款；流程再造；贸易融资

Abstract：In the credit business，working capital loan is generally in a state of“existing but not flowing”.Once the loan is provided to enterprises，banks have difficulty in withdrawing the loan，which is especially obviously in SMEs loan business. Because the SMEs have limited capability to resist risk，so if the bank withdraw loan，the SMEs would has capital risk，but if not，the banks face potential risk. In this case，banks are cautious to provide loans to SMEs. How to withdraw the working capital loan safely has positive effect to banks’SMEs loan business. In ICBC Dezhou Branch’s practice，they process reengineering of working capital loan. Based on this case，this paper analyzes the advantages of trade financing to substitute traditional working capital loan，to support SMEs development and protect bank asset safety. This paper analyzes the defects of traditional working capital loans and the advantages of the trade financing，and emphasizes the validity and necessity of the trade financing.

Key Words：SMEs，loan，process reengineering，trade financing

中图分类号：F830.33 文献标识码：B 文章编号：1674-2265（2012）05-0022-06

一、问题的提出

所谓流动资金贷款，是指银行为满足企业在生产经营过程中短期的资金需求，保证生产经营活动正常进行而发放的贷款，期限短、周转性强。然而在日常信贷业务中，流动资金贷款却普遍呈现“流而不动”的状态，也就是一旦投入，便在企业内周而复始的循环，虽然每笔贷款到期企业都会偿还，然而银行必须在极短的时间内再重新发放；一旦企业经营出现苗1作者简介：陈艳玲（1976-），河北邯郸人，中国人民银行德州市中心支行副行长，经济师。

第1页下一页