信贷工厂

近年，中国银行厦门市分行实行总行信贷工厂的授信模式取得了一些成果，但总体的市场占有份额依然很小，业务拓展出现了一些困难和障碍。

In the implement of the " credit factory " mode , the bank of China Xiamen branch met some difficulties and obstacles , and the market share is very small .

此外，本文创新性地提出了信贷工厂这种新型专门针对中小企业的信贷业务模式，为商业银行发展中小企业信贷业务提供了有效途径，同时对中小企业来说解决了其信贷融资难的问题。

In addition , this paper put forward a new type of SMEs credit mode - " credit factory ", which provides an effective way for banks and also solve the financing difficulties of SMEs .

国内商业银行要想在小微企业信贷服务领域有所突破，广泛借鉴国外的先进经验和做法、对原有的信贷模式进行优化就显得尤为必要，信贷工厂模式在国内也由此而备受关注。

To make a breakthrough in small enterprise credit service , domestic commercial banks have to learn the advanced and excellent experience of foreign countries , and try their best in credit model optimizing ; therefore , credit factory pattern in China has attracted a lot of attention .