科技创新引领“活水润企” 金融力量护航小微企业成长

新民晚报04-26

作为支持实体经济的活水，金融力量的保驾护航对于企业发展而言不容忽视。服务实体经济，特别是民营和小微企业，更是普惠金融应有之义。对于以服务实体经济为己任的银行而言，如何帮助企业更快破解资金链困局？如何稳健风险把控？如何更精准实现高质量的金融服务？都是摆在面前的一道道考题。记者从招商银行上海分行方面获悉，该行在做好精准化金融服务的同时，也在持续探索用科技创新力量解决这些难题，陪伴企业全生命周期成长。“...

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enterprises","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"159940":1,"600036":0.9,"03968":0.9},"content_text":"作为支持实体经济的活水，金融力量的保驾护航对于企业发展而言不容忽视。服务实体经济，特别是民营和小微企业，更是普惠金融应有之义。对于以服务实体经济为己任的银行而言，如何帮助企业更快破解资金链困局？如何稳健风险把控？如何更精准实现高质量的金融服务？都是摆在面前的一道道考题。记者从招商银行上海分行方面获悉，该行在做好精准化金融服务的同时，也在持续探索用科技创新力量解决这些难题，陪伴企业全生命周期成长。“我们现在更加看重的其实更多的是服务，不一定完全是资金上的困扰。”上海腾你信息科技有限公司联合创始人张凡表示，鉴于其所服务客户自身的特点与性质，结算的时间大多较为集中，对于中小型创业公司而言，经营性现金流储备并不是很充足。面对这样一时的燃眉之急，招行上海分行提供的服务切实解决了这家创业公司的需求。具体来看，招商银行在上海腾你科技公司成长过程中，提供了“招企贷”的支持，一次核额、两年有效，并可实现7*24小时随借随还，解决了企业临时资金周转困难的问题。记者了解到，招行上海分行设有普惠金融部为牵头部门，在新产品创设、新流程优化、针对特定客群的营销方案设计等层面，通过组建一个个项目工作组，组织各产品部门、中后台支持部门协同配合推进。其中包括了贯通核心企业和N端小微企业金融服务的“供应链金融项目组”；有具体到线上抵押产品创设、试点、推进的“招捷贷”项目组；有探索科技企业全生命周期服务的“科技金融项目组”；有服务涉农企业的“乡村振兴工作组”等等。以便在制度以及产品推出时，能够快速形成内部共识，推动普惠金融服务往标准化、集约化方向发展。企业由创业初期到发展壮大，也会伴随成长带来不同的金融服务需求。也正是运用金融科技，招行上海分行大力发展数字普惠，让数据多跑腿，小微企业少跑路。据介绍，从去年开始，招行上海分行利用外部工商、税务、司法等大数据以及内部结算交易等数据信息，紧扣“远程”“在线”等灵活方式，陆续推出了普适性的线上化产品“招企贷”“招捷贷”，以及在线供应链金融、“商超贷”等小微企业线上融资解决方案。同时，招行上海分行深入调研科技企业日常经营中的需求痛点，充分运用多维科创属性大数据，结合科技企业不同成长阶段，自研评估模型，输出科技企业“资质分”，并由此创新打造了科技企业专属融资产品“科创贷”，通过线上线下相结合的方式提升科创企业融资效率。新民晚报记者 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