Why transition from large loans to micro

Micro-credit is credit, the service object is mainly private and small micro-enterprises, the loan amount is less than 10 million yuan.

Chen Jihua, chairman of the board of directors of Xianning Agricultural and Commercial Bank, said: "Although micro-credit focuses on the word 'micro', it has realized the transformation from serving a few customers to serving more customers, from issuing large loans to issuing small loans, from serving many industries to serving specific industries, and from the entire life cycle loan to the most appropriate stage of the loan. life cycle lending to lending at the most appropriate stage, and from marketing loans to a few people to more employees."

How to revolutionize microcredit? Xianning Agricultural and Commercial Bank President Zhou Qunsheng introduced: leather part of the comrades forget the original intention, deviation from the main business of the life; leather a few executives to loan for personal gain, the transfer of benefits of the life; leather part of the credit staff lazy, idle, waiting for customers to come to the door of the life; leather part of the loan households only borrowing not to return, rely on the escape of the financial debt of the life of the rich; leather part of the organization only loan not to collect, low efficiency, operating losses but pay can only rise not drop the life, completely inspire them to perform their duties This is the first time that I've ever seen a person who has been in a position to do this, and I'm not sure if it's true.

Inside, the staff of the agricultural business is y aware of the qualitative changes in financial services.

Chibi Tianjiao sub-branch staff, in addition to participating in micro-credit training, but also the spontaneous formation of a "micro-credit half-hour" mechanism, the use of off-duty time *** with the study of micro-credit business, the exchange of marketing experience, reflecting on the work of the shortcomings of the business, and constantly improve business capacity. In the first quarter of this year, microcredit net increase of 37 million yuan, customer growth of 80 households.

Deng Rongrong, a teller at Tongshan Gemstone Sub-branch, is actively learning micro-credit products, cherishing the time for outreach and seizing every opportunity to publicize them to customers, and marketing "code business e-credit" for 89 households in 90 days and putting in loans of 5.6 million yuan, and she said: "In fact, as long as we have more communication with the customers, and stay a little bit more, we will always get something". There will always be gains."