On August 25th, Liaoning Industrial Bank President Dai Chunlin personally unveiled the war, and has rescinded the Liaoning Industrial Bank Xiuyan Branch, which has been operating for 11 years, to reproduce the rivers and lakes. This year, Liaoning ICBC stepped up the distribution of outlets in the county and district, and set up SME loan franchises at various city and county branches, targeting the local SMEs and the private economy. Dai Chunlin said that Liaoning's private economy accounts for more than 60% of Liaoning's total economic output, and the county economy accounts for more than 45% of Liaoning's GDP. Liaoning ICBC is not only an identity, it is only a standard, and loan placement must ensure the funding needs of SMEs.
Liaoning ICBC played an indelible role in supporting the economic construction of the eldest son of the Republic. However, in the wave of market economy in recent years, the operation of large ships was once unbalanced. Due to over-reliance on the bill market, dependence on the provincial share, and dependence on traditional customers, ICBC's credit structure is unbalanced; due to the lack of timely transformation of economic growth mode, the construction of ICBC's credit team is unbalanced; due to excessive tilting of large customers, more than 200 effective credit customers, customer structure Unbalanced. In order to change the status quo, Liaoning ICBC made three adjustments.
Liaoning ICBC first adjusted the customer development strategy, changed only to state-owned, not private, only big thinking, credit supply to SMEs and the private economy, the current credit customers have reached 1,087, 90% of new customers this year For private enterprises. Among them, the personal loan business has sprung up everywhere. This year, the personal loan increase ranks first in the local industry; secondly, the county branch structure is adjusted to support the county economic development. Liaoning Industrial Bank President Dai Chunlin came to Liaoning to study in 40 counties across the province for more than a year, and found that the county's economic and financial assets doubled in three years. He asked the whole bank to seize the provincial government's county economic multiplier plan and the opportunity of the construction of the top 100 counties, to expand the market share of the ICBC in the county economy, to cultivate financial occupational sensitivity, to set off the gold everywhere; in addition, to promote the development of asset business, for Liaoning Rapid economic development provides matching financial support.
In order to ensure the financial support for the sustainable development of small and medium-sized enterprises, Liaoning ICBC has done its homework in the establishment of special-purpose institutions, team building, and risk management and control.
Since May last year, Liaoning ICBC has established a small business loan franchise in the province and standardized the factory operation process. This year, the small business loan franchise will be extended to the county to expand the financial service radius of credit support for small businesses. At the same time, Liaoning ICBC established a professional team of small business services of more than 200 people. The provincial bank has arranged 100 employees to go to the Jiangsu ICBC, where the credit business of small businesses is mature, and learn one-on-one for more than 30 days, from order taking, review, research to approval and full process learning. After learning to return to Liao, the students gave lectures to the governors of the province's second-level line, conducted thought transmission, and tested the learning results. Originally for small business credit, ICBC employees did not want to do, dare to do, will not do, and now these students have become the backbone of Liaoning ICBC small business credit. The mature experience of Jiangsu and Zhejiang financial services small enterprises was successfully replicated in Liaoning.
As a veteran with 20 years of credit management experience, President Dai Chunlin is well aware of the importance of risk management. The provincial bank requires the regulatory authorities to strictly manage risks and control the risks within the acceptable range through the improvement of the technical level. All localities cannot rush to the credit of small enterprises, and they should be promoted in three levels according to the echelon structure of Liaoning's economic development. In the first step of economic development, we must accelerate the development of small enterprise credit; in the second step of steady economic development, we must promote the development of small business credit; in the third step of economic underdevelopment, how much space is there to do. The provincial bank will decentralize the credit to the first step area, and the average household of 10 million yuan will be the owner of the second-level line, giving full confidence to the business development space. It is estimated that by the end of August, the balance of small business loans of the provincial ICBC will reach 5.6 billion yuan, providing strong financial support for local economic development.
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