First of all, loan officers for small business loans must undergo strict professional training. For example, loan officers generally have to go through 9 to 12 months of training and take up their posts after passing the examination. Secondly, to choose a good cooperative bank, that is, a loan bank, we should have strict management system and incentive system and implement a flat decision-making mechanism. Small businesses need two people to sign a loan after having a good record; Third, there must be a good business environment, and the government will not interfere.
65438-0998 The European Bank for Reconstruction and Development launched the Small Business Program (KSBP Project) in Kazakhstan to help local commercial banks in Kazakhstan to carry out large loans for small and micro enterprises. After six years of development, it has become one of the most successful financial projects in Central Asia. Seven cooperative banks have 200 project loan outlets all over Kazakhstan, and cooperative banks have 600 full-time loan officers engaged in projects. So far, the KSBP project has issued a total of 654.38+million loans with a total amount of 500 million US dollars, creating 205,000 employment opportunities; The loan balance has increased from $5.8 million in 1998 to $65,438+75,438+0.5 million at present; The asset quality is good, and the proportion of overdue loans above 1 day within 6 years remains within 1%.
Driven by the KSBP project, the credit concept and technology of EBRD spread widely with the flow of credit personnel, and its cooperative banks began to use their own funds to issue loans to micro-enterprises. Even some cooperative banks' own loan portfolios in this field exceed the assets under the KSBP project.