中国工商银行某分行小微企业贷款业务调研报告

发布时间：2018-01-05 23:17

本文关键词：中国工商银行某分行小微企业贷款业务调研报告　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：占有全国企业总数99%的小微企业不仅促进了经济的增长、维护着社会稳定还增强了科技创新。但是，伴随着小微企业的快速发展，其融资难问题也成为了制约我国经济发展的瓶颈，制约着我国经济的快速发展。当前，如何解决小微企业的融资难问题已经成为了政府、企业以及学者急需研究和解决的问题。而小微企业信贷业务的发展壮大不仅对商业银行的持续发展具有推动作用，而且有助于解决我国中小企业融资难的问题。 2011年底，面临着信贷紧缩，小微企业的融资难问题更加突出，生存环境更加恶化。为此，国务院及各地方政府积极扶持小微企业，为解决小微企业的融资难问题，连续出台了一系列政策措施来增强对小微企业的金融支持力度，加大小微企业与企业的合作，取得了积极的成效。而小微企业融资的进一步解决，也需要银行的有效配合。作为政策的执行者，银行迫切需要考虑如何降低小微企业的融资成本，提高银行的收益率，促进小微企业金融服务的可持续发展。面对激烈的同业竞争和挑战，对于银行来说，积极开展小微企业信贷业务无疑可以提高银行的竞争力。而在小微企业贷款业务开展过程中，同样面临着贷款的风险。本文通过对中国工商银行某分行1的小微企业贷款业务进行调研与分析，以期给中国工商银行其他分支机构乃至整个银行金融机构的小微企业贷款业务的开展提供借鉴和启示，，从而有助于现今面临的中小企业融资难的问题的顺畅解决。本文的分析研究过程及结论将对目前国内银行小微信贷部门及政府相关监管部门一定的决策参考价值，并对中国工商银行某分行小微信贷业务的运营管理、风险管理、市场营销、人力资源管理等核心工作有具体的实践指导作用。
[Abstract]:Small and micro enterprises, which account for 99% of the total number of enterprises in China, not only promote economic growth, maintain social stability, but also enhance scientific and technological innovation. However, with the rapid development of small and micro enterprises. At present, how to solve the financing problem of small and micro enterprises has become the government. Enterprises and scholars urgently need to study and solve the problems. And the development of small and micro-enterprise credit business not only promote the sustainable development of commercial banks. And help to solve the financing difficulties of small and medium-sized enterprises in China. In end of 2011, faced with the credit crunch, the financing problem of small and micro enterprises is more prominent, and the living environment is worsening. Therefore, the State Council and local governments actively support small and micro enterprises. In order to solve the financing difficulties of small and micro enterprises, a series of policies and measures have been continuously introduced to strengthen the financial support to small and micro enterprises, and to increase the cooperation between small and micro enterprises. The further solution to the financing of small and micro enterprises also needs the effective cooperation of banks. As the executor of policies, banks urgently need to consider how to reduce the financing costs of small and micro enterprises. Raise the rate of return of banks and promote the sustainable development of financial services for small and micro enterprises. In the face of fierce interbank competition and challenges, it is undoubtedly possible to improve the competitiveness of banks by actively developing small and micro enterprise credit business, while in the process of small and micro enterprise loan business. Also facing the risk of loans. This paper through a branch of the Industrial and Commercial Bank of China 1 small and micro enterprise loan business investigation and analysis. In order to provide reference and inspiration to other branches of Industrial and Commercial Bank of China and even the whole bank financial institutions to carry out the small and micro enterprise loan business. This will help solve the problem of financing difficulties faced by small and medium-sized enterprises. The analysis and research process and conclusion of this paper will be a certain reference value for the domestic bank micro-credit department and the relevant government supervision department at present, and the operation management of the small and micro credit business of a branch of Industrial and Commercial Bank of China. Risk management, marketing, human resources management and other core work has specific practical guidance.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275

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