What is Bank of China's "Trinity" credit approval model?

1. Matchmaking mode, "matchmaking" for global SMEs: "BOC Global SME Cross-border Matchmaking Service" adopts a "six-step" process that is different from the traditional investment promotion mode, i.e. information reserve, customer matching, online matchmaking, on-site negotiation, on-site inspection, and supporting services. The "BOC Global SME Cross-Border Matching Service" adopts a "six-step process" that is different from the traditional investment attraction model, i.e., information reserve, customer matching, online matchmaking, on-site negotiation, on-site inspection, and supporting financial services.

2. Upgrading credit factory services to support the growth of small and micro-enterprises: In years of practice, the model has been constantly updated and upgraded, and the Bank of China has resolutely implemented the CBRC's "two not less than" and "three not less than" regulatory requirements for small and micro-enterprises' loans.

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3. Promoting "investment and loan linkage" to help the development of science and technology startups: In response to the lack of statements, lack of collateral and lack of credit ratings of science and technology startups, Bank of China has innovatively developed an investment and loan linkage business, which introduces external equity investors to work with the bank to provide financing.

Expanded Information

Principles of credit-granting:

1, should be differentiated according to the level of economic development of different regions, the economic and financial management capacity, the occupancy and use of credit funds, the financial risk situation and other factors.

2. Different credit limits should be set according to different customers' operation and management level, asset-liability ratio situation, loan repayment ability and other factors.

3. The credit limits for each region and customer shall be adjusted in a timely manner according to the financial risks of each region and the credit changes of the customers.

Bank of China - Bank of China to create a trinity of service model to help small and medium-sized enterprises grow