哈尔滨银行小企业信贷业务问题及策略研究

发布时间：2018-05-04 18:32

本文选题：哈尔滨银行 + 小企业　；参考：《哈尔滨工业大学》2013年硕士论文

【摘要】：我国小企业在国民经济发展中发挥着越来越重要的作用。政府对小企业的健康快速发展高度重视，先后出台了一系列促进小企业发展的的财税、金融政策措施，小企业发展的外部环境不断优化。就地方政府而言，小企业的发展是可持续发展战略能否成功推进的关键，小企业信贷业务的发展是当地商业银行能否科学发展的关键。哈尔滨银行作为以发展小额信贷作为发展战略，以小企业信贷作为核心业务，立足本土服务中小的城市商业银行，小企业信贷业务也在不断的推进中遭遇了发展困境。从发展的角度考虑，持续改进小企业信贷业务经营和管理策略，推动小企业信贷业务快速发展，是哈尔滨银行经营发展的必然要求。本文对哈尔滨银行小企业信贷业务经营管理中存在的问题进行了深入分析，，指出受思想观念、信贷管理体制、外部发展环境等因素制约，哈尔滨银行小企业信贷业务在信贷业务营销、贷前调查、贷后管理、人员素质等各方面均存在不适应小企业信贷业务发展的问题。针对哈尔滨银行小企业信贷业务发展中存在的问题，围绕小企业信贷业务发展的战略目标，紧密结合小企业信贷业务流程，提出了信贷人员管理、基于市场细分的多层次营销、标准化贷前调查、集中化贷后管理和外部发展环境优化等方面的策略建议。为确保各项发展策略得到有效实施，提出了设立集中化小企业信贷业务管理部门、建立发展策略支持系统、开展实施前培训、高层管理者支持、沟通反馈渠道建设、小企业信贷业务质量控制、和谐发展环境建设等方面的保障措施。本文的研究旨在为哈尔滨银行发展小企业信贷业务提供合理化策略建议，助推哈尔滨银行小企业信贷业务快速健康发展。
[Abstract]:Small enterprises in China are playing a more and more important role in the development of national economy. The government attaches great importance to the healthy and rapid development of small enterprises and has issued a series of fiscal and financial policies and measures to promote the development of small enterprises. The external environment for the development of small enterprises is constantly optimized. As far as local governments are concerned, the development of small enterprises is the key to the success of sustainable development strategy, and the development of small business credit is the key to the scientific development of local commercial banks. Harbin Bank as the development of micro-credit as a development strategy, small enterprise credit as the core business, based on the local service small city commercial bank, small enterprise credit business is also constantly in the process of development difficulties. From the point of view of development, it is an inevitable requirement for Harbin Bank to continuously improve the management and management strategy of credit business of small enterprises and promote the rapid development of credit business of small enterprises. This paper analyzes deeply the problems existing in the management of the credit business of the small enterprises of Harbin Bank, and points out that the problems are restricted by the ideologies, the credit management system, the external development environment, and so on. The credit business of the small enterprise of Harbin Bank is not suitable for the development of the credit business of the small enterprise in the aspects of credit business marketing, investigation before the loan, management after the loan, personnel quality and so on. In view of the problems existing in the development of the credit business of the small enterprises of Harbin Bank, the paper puts forward the management of credit personnel and the multi-level marketing based on the market segmentation, focusing on the strategic goal of the development of the credit business of the small enterprises and closely combining the credit business process of the small enterprises. Policy suggestions on standardized pre-loan survey, centralized post-loan management and external development environment optimization. In order to ensure the effective implementation of various development strategies, this paper puts forward the establishment of a centralized small business credit management department, the establishment of a development strategy support system, pre-implementation training, the support of senior managers, and the construction of communication and feedback channels. Small business credit quality control, harmonious development of environmental construction and other aspects of protection measures. The purpose of this paper is to provide rational suggestions for Harbin Bank to develop small enterprise credit business, and to promote the rapid and healthy development of Harbin bank small enterprise credit business.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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