but the Bank shouldTime to see their social responsibility

Chongqing Bank pushes four means "relax" 30% loans investment and small micro- "We will further increase this year to put in small micro-enterprises. "June 6 visit the site, Governor of the Bank of Chongqing Gan Weimin reporter said. By April 2012, Chongqing banking company loan 37.09% to a small micro-enterprises, and this year added 68.92% into small micro-enterprise loans. To arouse the enthusiasm of developing small micro business, ChongqingBanks from four aspects of human, financial, material, technical and formulate special policies, trying to support it. Raised in risk tolerance "246" policy, general corporate loans are more lenient in comparison. "These measures were taken for the small micro-business restrictions. "Gan Weimin said. Foreseen by Gan Weimin, Bank of Chongqing's goal is to become the West's largest micro-enterprise financial services systems integrationFor business, make small micro-finance operations into the Bank in the future mainstay of the transition. 246 risk tolerance Gan Weimin believes that "small micro-loans, banking transformation of management idea is the key internal mechanism and construction. "This primary is team building. Decentralization of banks in Chongqing branch Center looking for dedicated small micro-and small enterprise account managers, by branch of business development needsA dedicated account manager team, personnel and business matching. "Full-time account manager is expected to be released for the year 200. "Chongqing Bank small micro-banking General Manager Zhou Jian expected. After building your team will have to mobilize the enthusiasm of staff and institutions. Loans because other companies, form small micro enterprises even more smaller. Chongqing new Bank special study on the costs of inputs toNuclear incentives, training, wages and benefits and funds transfer pricing, fully mobilize the enthusiasm for operators. On the allocation of resources has been tilted. Specially cut credit resources for small micro-finance, micro-enterprise loan the "three noes" policy, resource allocation of single row, the credit limit computing funds transfer pricing is not limited by the loan than; when specific loansNotice of loan does not need to obtain rows. A common view is that small micro-enterprises are at greater risk. This adjustment of Chongqing banking business philosophy, the small micro-finance is "relax". Chongqing respectively Bank head office and business establishments are required to take part of the micro-level bad loan losses and 90%. Lending to micro-enterprises to implement "246" risk tolerance, or 2%Loss rates, six poor rate, 4% late rate, within the tolerance of impunity related to non-moral business responsibility. Currently banks in Chongqing small micro-finance business of non-performing assets rate of less than 1%, late rate of about 1.5%, loss rate of less than 0.5%. Profit increasing point of an outbreak of small relatively high-cost of micro-enterprise loans, but the Chongqing Bank does not use higher lending ratesBut to "small profits but quick turnover" policy. Introduction to Zhou Jian, currently average lending rate of banks in Chongqing small micro-enterprises is not only far below the local microfinance companies in loan interest rates, and even micro-loan market rate is lower than the city's small and medium-sized 4%. On the Chongqing Bank has its own considerations. Gan Weimin said the small micro-enterprise finance is "dirty", but the Bank shouldTime to see their social responsibility, through to grow with these small customers, small and medium-sized banks to win its own customers and markets. This kind of "small profits but quick turnover" strategy of rapidly expanding its customer base. Chongqing Bank Bank loan-2010 into small micro-enterprises. Chongqing small micro-loans of banks added $ 5.5 billion last year, accounting for new loans to 42.3%; Small micro-enterprise loan customer 93.53% of the total number of loans for customers of the company. In fact, the smaller micro-enterprise credit interest rate benchmark interest rate for up to 4 times. Zhou Jian, said relatively weak bargaining power of small micro-enterprises see the site, after you reach a certain size, small micro-enterprise business at any time can be turned into profit. This is also a Bank of Chongqing large-scale investment logic is. GanweiIntroduction, completed last year, Bank of Chongqing 2,743 families on the basis of micro-enterprise loans, new 10,000 this year.