Comments: after several years of high growth, with the interest rate marketization, profit Minsheng Bank increases will be a certain decline, but the growth of around 15% can still look forward to.

■ Shenzhen Special Zone Daily reporter Fan Jingrong correspondent Liu Qiong

As the first domestic offers a comprehensive Small and micro businessesFinanceThe service of commercial banks, ChineseMinsheng BankTake the "strategic positioning Small and micro businesses of banks", is committed to the broad masses of Small and micro businesses to provide a full range of financial service modernization.

It is reported, as of 2013 December, the Minsheng Bank Shenzhen branch service China Small and micro businesses customers reached 110000 households,The loan customers 1.3, small micro loans amounted to 20469000000 yuan, ranking first in the region of Southern China China Minsheng Bank System. Among them, small micro loans to total loans ratio of 68%, personal business loans and market share ranks first in the industry in Shenzhen city.

At the same time,Shenzhen Minsheng Bank small micro loans non-performing rate of only 1.5 ‰, to maintain the best quality of assets in the system and in the industry.

The service pattern innovation --

"Professional, mass, modular"

Shenzhen Minsheng Bank to set up a gold jewelry, Huaqiang, 17 professional branch, 20 retail customer service service branch,Huaqiang North electronic, Home Furnishing, trade and logistics,TianCalm4 small micro business department. The bank in key industries, industrial clusters promote "values, 1 small client manager +N supporting team employees" flow mode of operation, through the review of policy and flexible scoring system, Small and micro businesses fastest for 1 days, with an average of 7 days to get unsecured loan. Water Pui jewelry, Huaqiang North electronic, sea Jetion agricultural land three values of small micro loans amounted to 5000000000 yuan, a breakdown in the field of leading Small and micro businesses banking service.

In support of Shenzhen Banking Board, the bank set up in Shenzhen City, the first Small and micro businesses franchise branch -- Shenzhen Dongmen garment Small and micro businesses franchise branch, officially opened in March 20th this year, in June 13th, Huaqiang communication Small and micro businesses franchise branch opened. Small and micro businesses franchise branch become another innovative banking services in Shenzhen Small and micro businesses.

The implementation of "planning, marketing planning, sales, customer service training, standardized service, sustainable development" six small micro credit management module, the establishment of small micro financial coordination office smallMarketingFactory, review, credit, asset management, after sale service process. The implementation of the "four common" development model: the common research and development planning and list, jointly determine the customer classification and access standards, common product design scheme, to investigate Small and micro businesses. More than 300 people in the service Small and micro businesses personnel, to achieve a "financial services into the circle, small micro loans to clients".

The innovation of financial products --

Small and micro businesses close to meet the diverse needs of

The Bank launched the "water -" credit loans, according to the customer account water allocation loan amount, dynamic pricing, has to support small micro 573 customers, the loan amount of 430000000. Innovation of "national" industrial chain of small micro financing mode, through mutual fund pool, the core enterprise credit to provide loans to the upstream and downstream Small and micro businesses, batch solutionFu Anna household textileThe dealer Small and micro businesses financing problem, bigger Shenzhen headquarters economy.

In addition, the bank also in Shenzhen local market characteristics, launched the villagers loan, North Huaqiang electronic market rent the loan, farm produce wholesale market stalls of loan financing product innovation, the formation of small micro loan product shelf, meet the different categories of small customer demand.

For the service of key market Small and micro businesses, the bank introduced first jewelry store cards, Huaqiang North electronic business card, business card, Gongbei District Agricultural number card in China, has now issued 69000 copies, the surplus savings of more than 1400000000 yuan, with the clearing free, loan one, special business functions by a wide range of Small and micro businesses and individuals businesses welcome.

The bank has recently launched a set of deposits, loans in a loan one card. Loan one card is based on the existing bank card as the carrier, the small amount of loading unsecured (credit)RMBMulti channel convenient payment function of circular line account and limits, comprehensive bank support the bank personal credit business and other card products. In the credit limits, the customer can receive real-time circulation through a variety of loans, to meet their business turnover and personal consumption demand. Truly realized through open between deposits and loans, to minimize the cost of customer funds, realized a perfect combination of financing and financial management.

The service system innovation --

To create a favorable environment for development Small and micro businesses

According to the Small and micro businesses comprehensive financial needs, the branch to promote the construction of city business cooperatives union organization, financing, financial, financial business of three service system Small and micro businesses, nearly three years the wealth big classroom, business matching activities more than 500 games, and in 2012 September held the first (Shenzhen) jewelry financial forum. At present already established SEG electronics, jewelry, clothing, Tai Mei Nanyou group Sungang Paper Group, city commercial cooperatives, and the key values of 24 hours self-service bank more than 30, providing electronic financial services business Small and micro businesses.

In the head office under the guidance of Shenzhen branch to create "the people's livelihood, small auspicious 13 treasure" product package, actively promote micro credit comprehensive pricing system, micro mobile phone banking, super net capital accumulation, payment settlement, wealth management, company, bill, loan one card products and services.

The bank also launched Small and micro businesses grow engineering, integration in large companies, small and medium-sized credit resources to help Small and micro businesses grow strong, strengthening comprehensive service and backbone Small and micro businesses to cultivate, support for large and medium-sized enterprises.

The responsible person said, will firmly implement its formulated headquarters "Small and micro businesses banks" strategy, provide rich varieties, efficient procedures, procedures and flexible financing and comprehensive financial services for the city of Shenzhen Small and micro businesses group, makes the contribution for the improvement of Shenzhen small micro financial services environment.