长沙银行小微企业信贷业务模式研究

发布时间：2018-04-16 18:22

本文选题：长沙银行 + 小微企业　；参考：《中南大学》2013年硕士论文

【摘要】：摘要：随着市场经济的发展,小微企业已成为我国最活跃的经济成分之一。尽管小微企业为我国的经济飞跃做出突出贡献,但因其抗风险能力差、信息不透明等缺点导致直接融资难度较大,因此,商业银行信用贷款仍是其可获的主要外部融资渠道。相较大中型商业银行而言,城市商业银行在发展小微企业信贷业务上更有动力,也更有优势。本文根据作者在长沙银行的实习经验与资料收集,通过比较商业银行已推行的小微企业信贷业务模式,并借鉴国内外商业银行的成功案例,从长沙银行的角度对长沙银行现行的小微企业信贷业务模式进行全面的分析和研究。通过分析发现,长沙银行的小微企业信贷业务虽然发展势头良好,但其模式仍然存在一些问题,如小微企业信贷产品缺失、贷款审批不严格和风险管控能力不足等。这些问题的形成与银行自身功能错位、银企之间信息不对称等现象有着密不可分的联系。针对长沙银行小微企业信贷业务发展中所面临的问题及其成因,本文从改革长沙银行的金融机制与小微企业信贷业务服务技术,完善贷款审批流程(注重贷前调查、强化贷中监控、严格贷后管理)等方面提出了一系列有针对性的对策和建议。以上这些对策和建议将有助于完善长沙银行现有的小微企业信贷业务模式,实现长沙银行小微企业金融业务朝着“大规模、高效益、高质量”的方向发展。图12幅,表10个,参考文献63篇
[Abstract]:Abstract: with the development of market economy, microenterprises have become one of the most active economic components in China.Although small and micro enterprises have made outstanding contributions to the economic leap of our country, because of their poor ability to resist risks and lack of transparency of information, it is difficult to finance directly. Therefore, credit loans of commercial banks are still the main external financing channels available to them.Compared with large and medium-sized commercial banks, city commercial banks are more dynamic and more advantageous in the development of small and micro enterprise credit business.Based on the experience and data collected from the author's internship in Changsha Bank, this paper compares the credit business models of small and micro enterprises implemented by commercial banks, and draws lessons from the successful cases of domestic and foreign commercial banks.From the point of view of Changsha Bank, this paper makes a comprehensive analysis and research on the current small and micro enterprise credit business model of Changsha Bank.Through the analysis, it is found that the credit business of small and micro enterprises of Changsha Bank has a good development momentum, but there are still some problems in its mode, such as the lack of credit products of small and micro enterprises, the lack of strict loan approval and the insufficient ability of risk control and control, etc.The formation of these problems is closely related to the dislocation of banks' own functions and the information asymmetry between banks and enterprises.In view of the problems and their causes in the development of credit business of small and micro enterprises in Changsha Bank, this paper, from reforming the financial mechanism and the service technology of credit business of small and micro enterprises in Changsha Bank, perfecting the loan approval process (paying attention to the investigation before loan),This paper puts forward a series of countermeasures and suggestions on strengthening supervision and strict management after loan.The above countermeasures and suggestions will help to perfect the existing credit mode of small and micro enterprises in Changsha Bank, and realize the development of small and micro enterprise financial business of Changsha Bank towards the direction of "large scale, high benefit and high quality".12 figures, 10 tables, 63 references
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】