中小企業向け融資に関する間違った通説を打破する
It is been four years since I published the blog "Reports of small business lending’s death are greatly exaggerated", written in response to an American Banker article claiming that banks had stopped lending to small businesses. Banks certainly do continue to lend to small businesses and are the primary source of credit for small businesses. However, since then, online alternative lenders have made strong inroads.
The latest Small Business Credit Survey from the US Federal Reserve Banks shows that applications to online lenders continue to trend upwards, with applicants happy with online lenders' approval rates and quick decisions. But banks still have a considerable edge when it comes to the ability to be a strategic and long-term partner to growing small businesses.
For banks, the challenge continues to be how to keep up with disruptive competitors by offering innovative digital lending services, without increasing costs or lowering underwriting standards. The SME segment offers tremendous opportunities for banks to use technology to lay a foundation of success, enabling relationship managers, speeding up decisions, and lowering cost to serve.
Want to learn more? Join the webinar "Myth-busting in Commercial Lending" on December 4 at 10:00 am EST / 3:00 pm GMT as we hear from experts from Celent, Ernst & Young, and FIS to bust digital myths and learn how technology can support relationship management: Register Now! Webinar Registration