文档介绍：摘要
近年来,浙江的中小企业发展水平和竞争力不断提高,在推动浙江发展成为一个经济大省方面发挥了重要作用。但同时中小企业一直面临融资难问题,其融资渠道狭窄。服务小企业解决其融资难题既有利于培育新的经济增长点,也是商业银行支持国民经济平稳较快发展的需要。不少商业银行开始探索高效、便捷、适合中小企业自身特点的融资方式。“信贷工厂”这一模式引入中国后,经过杭州银行、中国银行浙江分行等商业银行的本土化改造后,提高了银行在中小企业信贷市场的效率,取得了初步的成效。
在我国,商业银行推行的“信贷工厂”模式处于起步阶段,机制尚不健全,因此有必要对这一模式进行研究。本文从浙江商业银行推行的“信贷工厂”模式入手,阐述了“信贷工厂”模式的运营理念,指出“信贷工厂”模式实施的现状和存在的问题,并且剖析其成因。最后,根据存在问题提出推进浙江商业银行“信贷工厂”模式的对策与建议。
关键词:浙江,商业银行,信贷工厂,模式,发展策略

ABSTRACT
In recent years, the SMEs which have made significant progress in zhejiang play a more and more important role in promoting zhejiang e a economic province. However at the same time it also have the difficulty in financing, its financing channel is narrow. To help SMEs solve their problem of financing is conducive to fostering new economic growth point, but mercial banks to support the steady and rapid economic development. mercial Banks began to explore an effective and convenient and suitable ways for SME financing. mercial banks have made a localization transformation in the foreign
“credit factory” model which improve the bank efficiency in SME credit markets. It make a big progress.
In China, commercial banks in the implementation of the "credit factory " model are in the initial stage, the mechanism is not perfect, it is necessary to study this model. This paper start with the implementation of the “credit factory” model, expounds the operation concept, point out the implementation and existing problems and analyses the causes. Finally, reference of foreign bank advanced experience, puts forward some Suggestions to promote this model have a better development in China. 朗读
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名词
acquirement
动词
obtain
acquire
gain
Key words: mercial banks,credit factory,mode, development strategy
目录
摘要 I
Abstract II
引言 1
一、浙江商业银行推行“信贷工厂”模式的现状 2
(一)浙江“信贷工厂”推广情况 2
(二)浙江“信贷工厂”模式推广的先进经验 3
二、浙江商业银行“信贷工厂”模式推广中存在问题 3
(一)“信贷工厂”模式下其可复制性问题亟待解决 4
(二)“信贷工厂”模式下缺乏科学的创新手段 5
(三)“信贷工厂”模式下风险监控亟待加强 5
(四)“信贷工厂”模式下从业人员素质亟待提高 6
三、浙江商业