宁波鄞州农村合作银行微小贷款业务发展研究

发布时间：2018-01-02 23:41

本文关键词：宁波鄞州农村合作银行微小贷款业务发展研究　出处：《南京农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：小微企业融资难问题普遍存在,绝大部分小微企业具有经营不规范、管理不科学、报表不健全、经营寿命短、抗风险能力弱、信用风险高又缺乏抵押担保物等普遍特点,再加上正规金融机构倾向于认为服务小微企业具有“成本投入高,潜在风险大”等问题,一直以来都不愿意参与小微企业的金融服务。但是,从近年来的数据显示,小微企业却是解决就业的主要渠道,我国很多创业者往往是从小微企业起步。作为世界上人口最多的国家,大力发展小微企业对于我国解决就业、稳定社会和促进经济社会和谐健康发展,无疑都具有重要的战略意义。同时,有一部分创业者从经营小微企业起步,经过一段时间的磨炼,逐步成长为优秀的企业家,其原来经营的小微企业也逐渐成长为小企业、中型企业,甚至大企业,从而在国民经济中扮演起更关键的角色,发挥着更重要的作用。因此,小微企业的重要性显然不应被低估,解决小微企业融资难问题意义深远。本文综合运用文献梳理、理论分析、经验总结与实证研究等方法,基于微小客户融资难问题,确立研究视角和论文框架。第一章简要交待研究背景和意义,展示目前国内外对微小贷款研究的现状以及本论文可能存在的创新和不足；第二章界定了微小贷款的定义和客户范畴,并介绍了微小贷款的相关理论基础；第三章主要是引入三家国内外开展微贷业务机构的成功实践经验,为宁波鄞州农村合作银行(以下简称鄞州银行)开展微贷业务提供借鉴；第四章概述了鄞州银行近三年来在引入德国IPC公司微贷技术支持下的微小贷款运作现状,并调查分析该行微小贷款业务特征及存在的一些问题并提出相应的工作措施。第五章运用德国IPC公司的微贷技术,结合案例分析,将现金流分析技术运用于具体操作层面,更加切实地展现了微贷业务的处理流程；最后是对论文作总结回顾,并提出政策建议。实践表明,基于现金流分析的信贷调查分析技术是卓有成效的,鄞州银行通过引入该项技术,有效缓解了辖区内小微企业的生产和发展问题。在今后的发展过程中,需要不断充实队伍建设、优化业务流程、培育健康信贷文化以及创新信贷产品等举措,才能确保项目取得长期可持续健康发展。
[Abstract]:The financing problem of small and micro enterprises is very common. Most of them have non-standard management, unscientific management, imperfect financial statements, short operating life and weak ability to resist risks. High credit risk and lack of collateral are common characteristics, plus formal financial institutions tend to think that service small and micro enterprises have "high cost investment, high potential risk" and other issues. There has been a reluctance to participate in the financial services of small and micro enterprises, but from recent years data show that small and micro enterprises are the main source of employment. As the most populous country in the world, the development of small and micro enterprises will solve the problem of employment, stabilize the society and promote the harmonious and healthy development of economy and society. At the same time, some entrepreneurs from the start of small and micro enterprises, after a period of time, gradually grow into excellent entrepreneurs. Its original small and micro enterprises also gradually grow into small enterprises, medium-sized enterprises, and even large enterprises, thus playing a more critical role in the national economy, playing a more important role. Obviously, the importance of small and micro enterprises should not be underestimated. It is of great significance to solve the financing difficulties of small and micro enterprises. In this paper, literature review, theoretical analysis, empirical summary and empirical research are used to establish the research perspective and framework based on the difficulty of micro-client financing. The first chapter briefly describes the research background and significance. To show the current domestic and foreign research on micro-credit status and this paper may be innovative and inadequate; The second chapter defines the definition of micro-credit and customer category, and introduces the theoretical basis of micro-credit; The third chapter mainly introduces the successful practical experience of three domestic and foreign micro-loan business institutions, and provides reference for Ningbo Yinzhou Rural Cooperative Bank (hereinafter referred to as Yinzhou Bank) to carry out micro-loan business. Chapter 4th summarizes the operating status of Yinzhou Bank in the past three years under the support of the introduction of IPC technology. And investigate and analyze the characteristics of the bank's micro-loan business and some problems and put forward the corresponding work measures. Chapter 5th uses the micro-loan technology of IPC Company of Germany combined with a case study. The cash flow analysis technology is applied to the specific operation level, which shows the processing process of the micro-loan business more effectively. Finally, the paper is summarized and reviewed, and put forward policy recommendations. Practice shows that the credit investigation and analysis technology based on cash flow analysis is effective, Yinzhou Bank through the introduction of this technology. Effectively alleviate the production and development of small and micro enterprises in the area. In the future development process, we need to constantly enrich the team building, optimize business processes, foster a healthy credit culture and innovative credit products and other measures. To ensure long-term sustainable and healthy development of the project.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F276.3

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