在刚刚过去的2012年，天津银行小微企业贷款增幅50%，高于全部贷款增幅22个百分点。他们是如何做到的？

In the past 2012 years,Tianjin bank small micro enterprise loan growth of 50%,Higher than the full loan growth of 22%.How do they do it?

　　记者了解到，近年来，天津银行致力于打造“中小企业伙伴银行”品牌形象，采取向实体经济、高科技中小企业倾斜的政策，围绕产品创新、模式创新、机制创新，进行不断的探索与尝试，形成了专门服务小微企业的“金太阳”、“金种子”、“金链条”三大融资服务专案、40余款特色产品以及多种形态的“集约融资模式”。该行相关负责人对记者说，天津银行服务小微企业的做法概括为一句话，就是要给小微企业不一样的金融服务。

The reporter understands,In recent years,Tianjin bank committed to build"Small and medium-sized enterprise partner bank"Brand image,Take to the real economy/High-tech small and medium enterprise tilt policy,Around product innovation/Mode innovation/Mechanism innovation,For continuous exploration and attempt,Formed a special service small micro enterprise"Gold sun"/"Golden seed"/"Gold chain"Three financing service project/And the balance characteristic products and a variety of form"Intensive financing model".The relevant person in charge told reporters,Tianjin bank service small micro enterprise practice summarized as a word,Is to give small micro enterprise different financial services.

　　计划是单列的。天津银行注重强化小微企业信贷业务整体规划，突出小微企业信贷业务布局，单独下达小微企业信贷计划指标，单独列制小微企业贷款规模，确保完成小微企业贷款“两个不低于”目标。同时该行根据国家有关产业政策要求，将现代服务业、信息技术、文化创意产业、生物高端企业、新能源、新材料等重点产业的小微企业锁定为信贷投放重点，保证授信资金投向实体经济和科技型小微企业。

The plan is single.Tianjin bank pays attention to strengthen the small micro enterprise credit business overall planning,Outstanding small micro enterprise credit business layout,Single small micro enterprise credit to the plan target,A separate system small micro enterprise the size of the loan,Be sure to complete small micro enterprise loans"Not less than two"target.At the same time the bank according to the relevant state industrial policy requirements,Modern service industry will/Information technology/Cultural creative industry/Biological high-end enterprise/New energy/New materials and so on key industry of small micro enterprise lock for credit availability key,Ensure that credit funds to the entity economy and science and technology small micro enterprise.

　　审批是差别化的。天津银行针对小微企业“短、小、频、急”的融资特点，在有效控制风险的前提下，区分不同分支机构、不同客户、不同产品，分别设定审批权限，建立了差别化的审批机制，设立绿色审批通道，对小微企业贷款申请随来随审，有效缩短了贷款的审批决策链条。从企业提出申请，到贷前调查、方案确定、担保落实、审查审批，再到合同签订、贷款发放等全流程，一般控制在10个工作日以内。

The examination and approval is the differentiation.Tianjin bank for small micro enterprise"short/small/frequency/urgent"Financing characteristics,In the premise of effective control risk,Distinguish between different branches/Different customer/Different products,Set up separately examination and approval authority,Established the differentiation of the examination and approval mechanism,Set up the green channel for examination and approval,For small micro enterprise loan application to judge with with,Effective shorten the loan examination and approval decision chain.The application from the enterprise,To credit investigation before/plan/Guarantee carry out/Examination and approval,To sign the contract/The whole process of bank loans, etc,General control in within ten working days.

　　机构是专设的。为进一步提高服务小微企业的专业化水平，搭建产品创新和机制创新的实践平台，天津银行专门成立了“小企业金融服务中心”，从计划安排、业务流程、产品应用、人员管理、风险定价、不良率容忍度等方面，进行多维的探索和尝试，积累经验、完善推广，有效发挥了对全行小微企业业务的引领和带动作用。中心成立3年以来，已为400余户小微企业提供融资支持20余亿元，取得了较好的社会效应。

Organization is the AD hoc.In order to further improve service small micro enterprise professional level,Set up product innovation and mechanism innovation practice platform,Tianjin specially set up a bank"Small business financial services centre",From the plan/Business process/Product application/Personnel management/Risk pricing/Defect rate tolerance, etc,For multidimensional exploration and attempt,Accumulate experience/Perfect promotion,Effectively play on both small micro enterprise business leads and leading role.Center established 3 years,Has more than 400 households small micro enterprise to provide financing support and more than one hundred million yuan,Achieved good social effect.

　　产品是量身定做的。天津银行从企业特点入手，设计个性化产品。如针对小微企业融资中缺少有形资产抵押的难题，引入个人信用担保，推出了“小额分期贷款”；积极尝试将无形资产纳入担保范围，推出了“商标专用权质押贷款”、“专利权质押贷款”。又如，推出“流动资金循环贷款”、“个人经营循环贷款”，合并了贷款审批重复环节，与符合条件的借款人一次性签订借款合同后，在合同约定企业和额度内，允许多次提款，逐笔归还，循环使用的信贷产品，大大提高了融资效率。再如，考虑如何减轻企业正常经营中还款压力问题，积极引入“按揭”方式，推出了满足中小企业购置固定资产融资需求的“法人按揭贷款”和满足个人购置工程车辆需求的“工程机械按揭贷款”等产品。

The product is the tailor.Tianjin Banks from enterprise characteristic of,Design personalized product.As for small micro enterprise financing the lack of tangible assets mortgage problems,Introducing personal credit guarantee,launched"Small installment loans";Actively try to intangible assets into the scope of guarantee,launched"Exclusive rights to use a trademark pledge loan"/"Patent pledge loan".And as,out"Liquidity revolving loan"/"Personal business revolving loan",Merge the loan approval repeat link,And meet the conditions of the borrower loan contract signed after one-time,Enterprise and agreed in the contract within the limit,Allows multiple withdrawals,Chase return,Cycle use of credit products,Greatly improving the financing efficiency.Be like again,Consider how to reduce the enterprise's normal operation of the repayment pressure problem,Actively introducing"mortgage"way,Introduced a meet the small and medium-sized enterprise financing needs of acquisition of fixed assets"Legal mortgage loan"And meet the needs of the individual purchase engineering vehicles"Engineering machinery mortgage loans"products.

　　融资方案是打包定制的。小微企业的生产、经营往往具有集群性特征，集中于各类功能园区、市场。为了提升金融服务效率，该行创新集约服务模式，针对园区、市场内企业在行业特性、产品类别、营销模式、融资需求以及资金周转等诸多方面具有许多相似性的特点，以园区为载体，设计一对一、个性化融资服务方案，通过集中授信、单户定额、载体担保的方式一次性解决多户驻区企业融资难题。例如，如与天津北辰科技园区合作，加大对园区科技型企业的融资支持力度，累计授信达4亿元。该行还先后与环渤海建材城、海泰科技园、滨海钢材城、大胡同商贸区等园区和市场合作，累计为千余户驻区企业提供资金支持百余亿元。

Financing scheme is packing custom.Small micro enterprise production/Management tend to have the cluster feature,Focus on the all kinds of function/market.In order to improve the efficiency of financial services,The bank innovation intensive service mode,According to the/Enterprises in the market in the industry characteristics/Product category/Marketing model/Financing demand and turnover of funds and so on many aspects of the characteristics of has many similarities,In the park as the carrier,Design one-on-one/Personalized financing service plan,Through the centralized credit/Single door quota/Carrier guarantee way one-time solve multifamily ZhuOu enterprise financing difficult problem.Such as,As with tianjin beichen science and technology park cooperation,Increase the science and technology enterprises financing support,Accumulated credit up to 400 million yuan.The bank also successively and city of bohai sea/Sea tiger park/Coastal steel city/Big business hutong and park and market cooperation,Total more than households ZhuOu enterprises to provide financial support more than one hundred million yuan.