中行上海分行转型：谋做跨国企业全球现金管家(1)

Bank of China Shanghai branch transformation: plans do multinational enterprise global cash housekeeping

Develop science and technology enterprise financial plan

2012 year \"Shanghai financial innovation achievement\" is introduced

Won the 2012 Shanghai financial innovation achievement of the first prize in the bank of China (601988, guba), breaks through the traditional mode of commercial bank credit, highlighted the five innovation.

In particular, \"zhangjiang model\" fully consider nonlinear science and technology enterprises, the explosion of growth characteristics, the annual sales income of RMB 500 million yuan of less than of technology-based smes are applicable; Break through the existing small and medium-sized enterprise single sum of 20 million yuan of the examination and approval authority, \"zhangjiang mode\" single enterprise credit amount the highest can amount to 50 million yuan; Designed monarch service green channel \", in the material is complete, project examination and approval for no more than 5 working days; for small and mid-sized micro enterprise risk tolerance increased from 3% to - 5%; according to the characteristics of the science and technology enterprises, the development of the order financing, accounts receivable financing, intellectual property mortgage, pledge of stock rights, performance guarantee insurance, future usufruct pledge and so on many kinds of innovation assure means.

According to the bank of China Shanghai branch in related business in Shanghai financial innovation BBS on disclosure of data, by the end of 2012, there are 128 science and technology enterprises to win \"the zhangjiang mode\" rights to $1.7 billion credit line.

In promoting \"zhangjiang model\" later, the small and medium-sized enterprise RMB loan balance 155% growth for the year, the small and medium-sized enterprise customer 132% growth for the year, the small and medium-sized enterprise RMB loans accounted for the proportion of the son of RMB loans increased by 5% for the year.

By the end of the year, bank of China Shanghai branch of small and medium-sized enterprises was RMB 12 billion portfolio, science and technology enterprises accounted for more than 2.2% since the beginning of up to 8.7%.

State-owned large in the past ten years completed from the bad assets peeling to all other listed two nirvana, the next step reform breakthrough in where?

In the bank of China Shanghai branch President PanYueHan eyes, different types of financial institutions into market environment may be DaoBi traditional bank to the modern transformation of the bank a breakthrough, \"in Shanghai, the bank in the fierce competition in the market environment, may be any provinces are not likely to appear,\" system is huge and growing more slowly state-owned large line are more willing to take the first step.

On February 4,, PanYueHan accept morning paper reporter interview with the bank of China Shanghai branch in detail since 2011 implementation of a series of business innovation, strategic transformation, mechanism reform, and the many explore the reasons behind. In his view, the bank of China Shanghai transformation is the focus of the development of small and medium-sized enterprises, focus on focus on cross-border business development, establish differentiation competitive advantage.

\"In the past three to five years, the competition is mainly between the bank, the state-owned Banks, joint-stock Banks and foreign market than did of remained relatively stable, but the competition in the future, would actually is the banking industry and the banking competition, this will be the Shanghai banking need facing a major challenge.\" PanYueHan said.

PanYueHan native zhejiang, in bank of China Shanghai branch office before the President, who served successively as the bank of China, shaoxing branch President, jiangsu branch deputy President, suzhou branch President and so on, March 2011 transferred to Shanghai as bank of China Shanghai branch President. In September 2011, as the Shanghai bank trade association President.

This credit availability scale will increase slightly

Oriental morning post (blog, micro Po), and other service science and technology enterprise products business, compared with 2012 year won the first prize of Shanghai financial innovation \"zhangjiang model\" science and technology enterprise comprehensive financial service plan advantage in where? With the praise highly of silicon valley bank model what similarities and differences?

PanYueHan: from the current understanding of the silicon valley bank model look, \"zhangjiang model\" and the \"silicon valley\" mode is effective solution for small and mid-sized enterprise financing bottleneck problem, but the focus of the enterprise group, in the stage of development, have different financing structure arrangement is not quite the same.

\"Silicon valley model\" pay more attention to in enterprise's initial, in this phase of the enterprise risk is big, so silicon valley bank loans in the process of enterprise through agreement for part of the rights or options.

\"Zhangjiang model\" pay more attention to in the development of the enterprise financing demand. And the initial enterprise to guarantee the demand is higher or need will ownership structure to control risk is different, into the development of the enterprise, the bank can be based on enterprise cash flow, taxation, utilities such as information to enterprise's credit situation, credit evaluation way more agile.

According to the science and technology enterprises \"asset light\" characteristics, bank of China \"zhangjiang mode\" to science and technology enterprise financing innovation developed many assure means, such as order financing, accounts receivable financing, intellectual property mortgage, pledge of stock rights, performance guarantee insurance, future usufruct pledge, etc. In addition, we also provide for scientific and technological enterprise credit loan.

Oriental morning post: through the \"zhangjiang model\" has put on the loan scale have how old? What kind of enterprise can get science and technology enterprise loan?

PanYueHan: \"zhangjiang model\" in 2011 he had into the market in 2012, and further extend the scope, improve the product maturity and operation stability, the amount of credit rights to more than 1.7 billion yuan. In this year, we will pay more attention to in the expansion.

The first is in zhangjiang area and within the scope of the comprehensive promotion, expand business coverage; The second is to have the mature product promotion to more science and technology enterprises, expand business amount; Third is the support of the characteristics of network, we are going to build in some key areas of science and technology, the promotion of scientific and technical enterprise subbranch of a bank loan, and gradually form the professional do small and mid-sized enterprise marketing team, at the same time in the inspection of technology-based smes loan to do some special policy mechanism to promote this arrangement, a whole business scale.

On the basis of summarizing the experience, we will further advance the product innovation. Multi-pronged, support the development of science and technology enterprises.

Oriental morning post: overall credit availability seems to be in this year will also tumbled, specific to small and mid-sized enterprises, small and medium-sized enterprise loan scale in the overall size of the than have how old?

PanYueHan: so far, we this year's credit availability with scale compared to last year will be increased slightly.

Bank loans to small and medium enterprises has been the size of the special arrangement, in the whole credit amount more nervous, we made special arrangement for the size of the science and technology enterprises, the loan arrangement, this year's policy is as long as there is the customer, if there is demand, conform to the requirements, we will credit as security science and technology enterprise loan demand.

In general speaking, the Banks for small and medium-sized enterprise loan practice is different, the central idea is in the small and medium-sized enterprise business \"further focus\", hope to be able to make its own brand and characteristic. Specifically, we will focus on three types of small and medium-sized enterprise science and technology, trade, service industry of small and medium-sized enterprises. In addition to just about science and technology enterprises, we have to focus on trade enterprise engaged in international trade, especially the small and medium-sized enterprise. Bank of China in the international settlement and trade finance services are advantage, last year we import and export footings more than 140 billion us dollars, accounting for the Shanghai market for nearly a quarter of JieSuanLiang import and export. Volume and market share are increased. To trade class enterprise further increasing investment and service, it also conforms to the Shanghai international trade center to establish goals.

We also will be more focus on small and medium-sized enterprises in the service. Services of Shanghai economic contribution will continue to improve, including food and beverage services, cultural creativity, logistics and service of small and medium-sized enterprises, we will also increasing investment.

By means of comprehensive financial services to improve the wind control ability

Oriental morning post: in realizing the scale growth at the same time, we are very concerned about the risk of small and medium-sized enterprise business situation. From these two years of market environment look, trade, science and technology small and medium-sized enterprise risk will not too big?

PanYueHan: we also see the small and medium-sized enterprise business risk and bank human cost of the status of large investment, this also is we put forward three kinds of small and medium-sized enterprises focus on the cause of the service.

Focus on industry of small and medium-sized enterprises to do business is the biggest advantage, can be very good to enhance the professional analysis and risk assessment ability, is advantageous in the risk control. Second, can and large enterprise business linkage, combined with the big enterprise and downstream of the small and medium-sized enterprise innovation some supply chain financing products. Third, concentrated industry, promote PiLiangHua whole sales.

Small and medium-sized enterprise is relative to the large enterprise risk may be relatively large, on the other hand, if the bank is able to focus on industry, innovative products, I think I can do it effectively control risk.

At present, our small and medium-sized enterprise business, income and risk can be matched. Trade enterprise overall defect rate is relatively low. This is because our trade enterprise's credit can be combined with enterprise's settlement and trading activities to do, and mainly trade financing, risk relatively controllable.

\"Zhangjiang model\" loan, we set the 3% and 5% of the two line. From the present situation to see, the tolerance is enough.

Since 2013, the economy is gradually going well, the business activities are also better off, this is the general trend. On the other hand, with the Shanghai government to strategic emerging industry, equipment manufacturing industries such as industrial propulsion, also can drive some of the small and medium-sized science and technology development of enterprise. These two factors to the enterprise development also bring good opportunity, but also to the development of the banking industry brings the opportunity.

Oriental morning post: you just mentioned the catering industry, have committed for some big catering enterprises to provide financing credit?

PanYueHan: catering industry we also did some customers. The largest restaurant features a very stable cash flow, because the method of payment and the bank, the bank can be associated to catering enterprise's cash flow analysis and control, according to the POS machine cash flow to determine the amount of credit to the enterprise, the reimbursement means of catering enterprises and more agile and even installment. In our chain catering enterprises developed special financial products.

Including catering enterprises inside, we do not simply to small and medium-sized enterprises credit, we hope to provide more comprehensive services, on the one hand, can increase the stability of the customer, on the other hand can also improve our comprehensive income, and further reduce the enterprise financing costs, and reduce the bank's wind control cost, this is what we strive to be a direction.

We also see, in to the enterprise to provide comprehensive service later, enterprise's cash flow in the banking system is formed in the reasonable fund precipitation, so far the proportion is not very big. The key is to see bank comprehensive financial service ability and the comprehensive financial service depth. This year we will further improve the comprehensive financial service ability and increase the enterprise service depth, this also is helpful for further reduce we do small and medium-sized enterprise business comprehensive cost.