证券时报记者 唐曜华

The securities times reporter TangYao China

　　小微企业对银行而言不只是贷款收益，中小银行正通过持续创新，全面绑定小微企业客户，新推出的一些小微金融业务给银行带来了存款资金沉淀。

Small micro enterprise to Banks not only profitable loans,Small and medium-sized Banks are through the continuous innovation,Comprehensive bind small micro enterprise customers,The launch of new small micro financial business to bank brought deposit fund precipitation.

　　“商户卡流水贷对吸引存款资金沉淀是有一定效果的。”民生银行(600016,股吧)深圳分行副行长万恩平近日在接受证券时报记者采访时称，流水贷是民生银行针对细分行业客户推出商户卡所具备的新功能。

"Merchant card water credit to attract deposit fund precipitation is have a certain effect."Minsheng bank(600016,guba)Shenzhen branch deputy President vines flat recently in accept the securities times reporter interview said,Water is minsheng bank loans for segmentation industry customers introduced merchant card has the new function.

　　流水贷之所以能吸引存款资金沉淀，主要在于商户卡持卡客户自助申请流水贷的前提是，应在该行累积3个月的银行流水记录。客户在使用商户卡作为结算账户时，结算资金自然沉淀于商户卡内。

Water credit can attract deposit fund precipitation,Mainly lies in the merchant card's customer self-service application flow is the premise of credit,Should be in the bank accumulated 3 months of bank running water record.Customers in the use of merchant card as a settlement account,Settlement funds natural precipitation in the merchants in the card.

　　自8月底推出首张珠宝商户卡以来，民生银行深圳分行珠宝商户卡流水贷已累计放贷约1亿元，而民生银行深圳分行设定的目标是深圳水贝珠宝商圈商户卡实现发卡5000张，华强北商圈商户卡实现发卡1万张。

Since the end of August first launched jewelry merchants since the card,Minsheng bank shenzhen branch jewelry merchants card has accumulated water credit loans of about 100 million yuan,And the people's livelihood bank shenzhen branch set goal is shenzhen water shell jewelry business circle merchant card realize hairpin 5000 copies,Qiang north business circle merchant card realize hairpin 10000 copies.

　　“小微贷款属资产端，负债端对应包括传统负债和小微金融负债。小微金融负债除了资产派生类存款外，还有乐收银、现金管理等结算工具聚集的存款。”民生银行零售银行部总经理赵志敏(博客,微博)透露了今年以来小微金融负债的良好增长势头。

"Small micro loans belong to assets end,Liabilities end corresponding including traditional liabilities and small micro financial liabilities.Small micro financial liabilities in addition to assets derived class deposit outside,And music cashier/Cash management and settlement tools gathered deposit."Minsheng bank retail k, general manager ZhaoZhiMin(blog,Micro bo)Since this year has revealed little micro financial liabilities good growth momentum.

　　民生银行2012年半年报中透露了该行对资产带动负债业务模式的探索，“以服务客户现金流为核心，探索增加存款新渠道，重点强化结算平台建设，完善现金管理业务系统，继续依托传统结算、交易融资、贸易融资、现金管理等重点业务及服务拉动存款增长，对公存款内生性增长机制逐步形成。”

Minsheng bank 2012 and a half years in the annual report revealed the bank assets to drive the liabilities business model of exploration,"To serve customers cash flow as the core,Explore new channels increase deposit,Focus on strengthening settlement platform construction,Perfect cash management service system,Continue to rely on traditional settlement/Trade financing/Trade financing/Cash management as well as other key business and service pull deposit growth,Tests of deposit endogeneity growth mechanism gradually formed."

　　民生银行也因此成为今年上半年存款付息率增速最慢的银行。“民生银行负债端此前长期偏弱，但在业务转型后资产和负债业务的联动或对其负债压力有所缓解。”海通证券(600837,股吧)相关研究报告分析认为。

Minsheng bank and therefore become the first half of this year deposit and interest rate growth the slowest bank."Minsheng bank liabilities end previous weak for a long time,But in business after transformation of assets and liabilities business linkage or to its liabilities pressure to ease."Haitong securities(600837,guba)Related research report analysis think.

　　随着金融脱媒的发展，中小银行的存款压力越来越大。“中、小型银行中除了招行外，存款普遍较弱，而招行近年来积累的储蓄存款优势不是其他银行通过简单模仿能见成效的。”深圳某股份制银行公司业务部人士称。

With the development of financial disintermediation,Small and medium-sized bank deposit pressure is more and more big."in/Small Banks, in addition to the travel,Deposit is generally weak,And China merchants bank in recent years accumulated savings advantage is not other bank through the simple imitation can see the results."Shenzhen a joint-stock bank company department officials said.

　　挖掘公司存款的增长潜力则成为不少中小银行的选择。除了流水贷以外，事实上目前中小银行竞相开展的供应链融资业务亦可以拉动存款增长。“供应链融资对拉动存款肯定是有帮助的，供应链上的企业要申请保理业务、应收账款融资业务，需要在提供融资的银行开立结算账户。”深圳某股份制银行小企业中心负责人称。

Mining company deposit growth potential became a lot of small and medium-sized Banks choice.In addition to water outside credit,In fact at present are small and medium-sized Banks carry out of the supply chain financing business can also pull deposit growth."Supply chain financing to pull deposit must be helpful,In the supply chain enterprise to apply for factoring business/Accounts receivable financing business,Need to provide financing in the bank to open settlement account."Shenzhen a joint-stock bank small business center is responsible for the person.

　　今年7月份，中信银行(601998,股吧)在接受调研时称，“近期存款的压力有所好转，公司在存款增长方面主要仍侧重于对公存款的获取，主要通过供应链金融以及现金管理业务的发展来带动存款增长。”

In July this year,Citic bank(601998,guba)In accepting survey said,"Recent deposit pressure better,The company in the deposit growth is still mainly focused on tests of deposit acquisition,Mainly through the supply chain finance and cash management business development to drive the deposit growth."