民生银行呼和浩特分行小微金融发展对策研究

发布时间：2018-05-28 13:32

本文选题：小微金融 + 商贷通　；参考：《内蒙古大学》2013年硕士论文

【摘要】：社会经济的发展在不断进步,商业银行是否能以单一依赖传统的利差模式取得自身发展,答案是否定的,因为利率的市场化以及人民币的国际化趋势已严重影响了商业银行的发展。民生银行呼和浩特分行结合自身的资源优势,顺应目前经济金融环境的发展变化,调整了未来的发展战略,在未来要重点发展小微金融业务,将其作为民生银行在未来竞争中战略转型的重要举措。使民生银行在当地成为最具特色的银行和最有效益的银行。“商贷通”业务的发展,解决了小微企业的融资难题,从另一角度来说民生银行履行了社会责任,为社会和经济发展做出了杰出贡献；“商贷通”业务的发展还使得民生银行的业务结构得到了优化,有利于民生银行摆脱银行同质化竞争的困境,走出一条差异化的发展之路。它不仅实现了财务绩效目标的突破,更体现了盈利模式的创新再造。当前,民生银行呼和浩特分行“商贷通”业务已在内蒙古自治区内全面开展,日益完善的组织架构,不断丰富的产品服务,都使民生银行呼和浩特分行的品牌形象得到了广泛的认可。在商业模式渐趋成熟,业务规模迅速提高的同时,也为民生银行呼和浩特分行在内蒙古的发展打下了坚实的基础。本文的研究方式采取理论与实证相结合的分析方法,对民生银行呼和浩特分行小微企业贷款现状进行了研究,从中找到了一些制约小微金融发展的不足之处,对出现的问题归纳出基本成因,提出了对小微金融发展的对策和建议,希望能够在未来民生银行呼和浩特分行解决小微金融发展问题上起到一定借鉴作用。
[Abstract]:With the development of social economy, whether commercial banks can achieve their own development by relying solely on the traditional spread mode, the answer is no. The marketization of interest rates and the internationalization of RMB have seriously affected the development of commercial banks. The Huhhot Branch of Minsheng Bank combined with its own resource advantages, adapted to the development and changes of the current economic and financial environment, adjusted its future development strategy, and focused on developing small and micro financial business in the future. As the Minsheng Bank in the future competition in the strategic transformation of an important measure. Minsheng Bank in the region to become the most characteristic banks and the most effective banks. The development of the business has solved the financing problem of small and micro enterprises, and from another point of view, Minsheng Bank has fulfilled its social responsibility and made outstanding contributions to the social and economic development. With the development of the business, the business structure of Minsheng Bank has been optimized, which is helpful for Minsheng Bank to get rid of the dilemma of homogeneity competition and walk out a different way of development. It not only achieves the breakthrough of financial performance goal, but also reflects the innovation and reengineering of profit model. At present, Minsheng Bank Hohhot Branch's "Business and loan Link" business has been fully developed in Inner Mongolia Autonomous region, with an increasingly perfect organizational structure and a continuous wealth of products and services. Both make the brand image of Hohhot branch of Minsheng Bank has been widely recognized. While the business model is maturing and the business scale is increasing rapidly, it also lays a solid foundation for the development of Huhhot Branch of Minsheng Bank in Inner Mongolia. The research method of this paper is based on the combination of theory and empirical analysis, the present situation of small and micro enterprise loans in Hohhot Branch of Minsheng Bank has been studied, and some deficiencies that restrict the development of small and micro finance have been found. This paper sums up the basic causes of the problems, and puts forward the countermeasures and suggestions for the development of microfinance, hoping to play a certain reference role in solving the problem of the development of small and micro finance in Huhehaote Branch of the people's livelihood Bank in the future.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

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