关于民生银行小微金融创新模式的调查分析

发布时间：2018-05-14 02:28

本文选题：小微金融 + 民生银行　；参考：《华南理工大学》2013年硕士论文

【摘要】：银行业面临着利率市场化、金融脱媒、业务同质化竞争等问题，导致传统业务的盈利和规模增速放缓，而小微企业面临的融资难问题，为银行寻找新的利润增长点提供了契机。民生银行是国内较早转型，专注于发展小微金融业务的商业银行，其小微金融业务发展取得的巨大成绩为业界瞩目。基于以上原因，我们认为分析民生银行小微金融业务创新成功的经验具有重要的现实意义。本报告希望通过对民生银行小微金融创新的模式进行分析，能为业内其他商业银行小微金融业务的发展提供借鉴和参考。本报告以民生银行为调研对象，通过实地调研、理论文献检索等方法，分析其在小微金融业务方面的战略定位与目标、组织结构的创新、产品的创新以及外部资源的整合。全文按照“成果——具体做法——经验”的逻辑，分析了民生银行小微金融的创新模式，最后全面总结了民生银行小微金融业务创新的经验。经过对民生银行的分析，本报告得出的结论是：1、无论是业绩回报还是风险水平，均说明民生银行的小微金融创新模式是成功的。2、民生银行小微金融业务成功的关键是通过战略调整，统一思想，通过事业部制改革与设置专业支行整合内部资源，运用小微城市商业合作社整合外部客户资源，，配合商贷通、乐收银等的产品创新，掌控并运用信息流与资金流，打造出具有良好盈利模式、专业的风险控制能力的小微金融运营模式。民生银行在小微金融业务创新方面内外结合，产品与组织结构相互配合的思路可以成为其它银行借鉴的模板。
[Abstract]:The banking industry is faced with the problems of interest rate marketization, financial disintermediation and homogeneous business competition, which leads to the slow growth rate of profit and scale of traditional business, while the financing difficulty faced by small and micro enterprises provides an opportunity for banks to find new profit growth points. Minsheng Bank is a commercial bank focusing on the development of micro-finance business in China, and its great achievements in the development of micro-finance business have attracted the attention of the industry. Based on the above reasons, we think that it is of great practical significance to analyze the successful experience of Minsheng Bank's small and micro financial business innovation. This report hopes to provide reference and reference for the development of small and micro financial business of other commercial banks by analyzing the innovation mode of Minsheng Bank's small and micro finance. This report takes Minsheng Bank as the research object, through the field investigation, the theory literature retrieval and so on, analyzes its strategic orientation and the goal, the organization structure innovation, the product innovation and the external resources integration in the small and micro finance business. According to the logic of "Achievement-concrete practice-experience", this paper analyzes the innovation mode of Minsheng Bank's small and micro finance, and finally summarizes the experience of Minsheng Bank's small and micro finance business innovation. After an analysis of Minsheng Bank, the report draws a conclusion that: 1, regardless of the return on performance or the level of risk, The key to the success of Minsheng Bank's small and micro financial business is to integrate internal resources through strategic adjustment, unity of thought, reform of ministry system and establishment of specialized branches. Using the small and micro city commercial cooperative to integrate external customer resources, cooperate with the innovation of products such as commercial loan, cash register, etc., control and use the information flow and capital flow, create a good profit model, Professional risk control ability of micro-finance operation model. Minsheng Bank combines inside and outside in the innovation of small and micro finance business, and the idea of product and organization structure cooperation can be used as a model for other banks to learn from.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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