"China Bank Credit Factory": First, adhere to unified management and intensive operation. The second is to achieve "institutional monopoly", break through the traditional "departmental bank" setting, concentrate the functional logic that was originally scattered in various departments and involved in small business credit, and set up an independent small business credit full-time institution from top to bottom to realize the specialization of business operation. The third is to build a "process bank", based on meeting customer needs and improving customer experience, learn from the "factory" operation mode, reshape the credit process and management system, formulate standardized operating norms for each post and link, strengthen process management, develop decision-making tools, and improve service efficiency and level.

"China Bank Credit Factory" has achieved six major management changes.

1. Changes in customer evaluation criteria. In the past, banks mainly focused on the scale and financial indicators of small and micro enterprises. In the new model, the financial model is used to investigate the non-financial information of enterprises, and comprehensive decisions are made, emphasizing that benefits cover risks and costs.

2. Changes in marketing management. First market research, determine the target customer list, carry out list marketing, and change passivity into initiative. At the same time, a customer handover mechanism is designed to prevent moral hazard of employees.

3. The transformation of the examination and approval mechanism. The traditional "trinity" decision-making mechanism is changed to full-time approval by professional approvers, and the important information of customers is simplified into standard credit proposal in tabular format, which greatly shortens the approval time.

4. Changes in post-loan management. From the traditional passive management, which relies heavily on enterprise financial information, to the active management, which focuses on full-time early warning personnel, to monitor the business activities of enterprises in real time.

5. The change of accountability mechanism. From the past accountability for bad credit to the emphasis on due diligence and dereliction of duty.

6. Changes in risk management. Realize a "five-in-one" whole process risk management system consisting of scenario analysis, credit approval, risk early warning, portfolio management and anti-fraud. The biggest feature of the operation mode of "BOC Credit Factory" founded by Bank of China is to change the traditional "waiting for customers at home" to "looking for customers at home", and design and develop a number of credit products according to the characteristics of different industries and regions. As long as the customer meets the loan conditions, the pipeline loan can be approved and put into use.

"China Bank Credit Factory" was established in Zibo, as a professional institution serving small and medium-sized enterprises, which indicates that China Bank will provide more comprehensive, professional and efficient financial services for local small and medium-sized enterprises in Zibo. We will give full play to the characteristics of low threshold, quick approval, sufficient quota and flexible guarantee, implement specialized credit management for small and medium-sized enterprises, serve small and medium-sized enterprises in Zibo, and grow together with small and medium-sized enterprises in the city.