一方面,商业银行应精简信贷流程,依托网络银行、掌上 银行等电子渠道,提

Po eni strani bi morale poslovne banke racionalizirati kreditni postopek, se zanašati na elektronske kanale, kot sta spletno bančništvo in ročno bančništvo, izboljšati učinkovitost financiranja in izvajati celovite storitve „vse na enem mestu“, kot so spletna aplikacija, pregled, odobritev in distribucija, kar ne samo skrajša čas financiranja, Spodbujanje pretoka valut, po drugi strani pa zanašanje na platforme za e-trgovino, sodelovanje in analiza dobavne verige velikih in srednje velikih podjetij, zanašanje na odlične kredite velikih in srednje velikih podjetij, krepitev plačilnih inovacij, zagotavljanje spletnih naložb in storitev financiranja malih podjetij ter učinkovit nadzor celotnega postopka financiranja [5] Komercialne banke bi morale nenehno optimizirati strukturo produktov, razširiti kanale poravnave plačil in inovirati plačilne produkte. Pozorne naj bodo na srednjeročne in dolgoročne depozite. Na primer uporabo potrdil o velikih vlogah za privabljanje dolgoročnih stabilnih kapitalskih naložb, oblikovanje prilagojenih izdelkov za upravljanje premoženja za privabljanje Več strank si prizadeva, da bi ustvarili bolj priročno in učinkovito prodajno platformo.

一方面,商业银行应精简信贷流程,依托网络银行、掌上 银行等电子渠道,提升融资效率,开展在线申请、审核、审批 和发放等全方位“一站式”服务,既缩短了融资时间,又促进 了货币流动;另一方面,依托电商平台,整理分析大中型企业 供应链条,依托大中型企业的优良信用,加强支付创新力度, 为小企业提供在线投融资服务,有效控制融资全流程. [5]商业银行应不断优化产品结构、拓宽支付结算渠道、创新支付产品,要重视中长期存款,例如利用推出大额存单的 方式来吸引长期稳定的资金投入,设计个性化的理财产品吸 引更多客户,全力打造更方便快捷的销售平台.

On the one hand, commercial banks should streamline credit processes, rely on electronic channels such as online banks and palm banks, improve financing efficiency, carry out all-round "one-stop" services such as online application, review, approval and issuance, which not only shortens financing time, but also promotes currency flow; on the other hand, rely on e-commerce platform, sort out and analyze the supply chain of large and medium-sized enterprises, Relying on the excellent credit of large and medium-sized enterprises, strengthening payment innovation, providing online investment and financing services for small enterprises, and effectively controlling the whole financing process. [5] commercial banks should continuously optimize product structure, expand payment and settlement channels, and innovate payment products, and pay attention to medium and long-term deposits, such as the introduction of large deposit certificates to attract long-term and stable capital investment, Design personalized financial products to attract more customers and strive to create a more convenient and efficient sales platform<br>