包商银行基于小微企业金融业务的信息系统建设
发布时间：2019-03-09 13:26
【摘要】：小微企业是我国经济发展中的重要力量,小微企业融资难问题的解决对确保我国经济持续健康快速发展具有重大的战略意义。包商银行作为我国的商业银行,在2005年就率先确立了“以小微企业为核心客户”的市场定位,并学习借鉴国际先进的小微企业信贷技术,为广泛的小企业客户群体提供金融产品和服务。而传统以大中型企业为主要信贷业务的信息系统无法适应小微企业的金融服务需求,包商银行在长期服务于小微企业的经验基础上,逐步建设完成了基于小微企业金融服务的信息系统。 本文在分析小微企业金融服务运作流程的基础上,形成了包商银行小微企业金融服务信息系统的总体结构,并详细介绍了服务于小微企业金融业务的政策管理系统、客户管理系统、业务受理系统、贷款管理系统、风险管理系统的建设情况。为商业银行信息系统建设提供经验借鉴。
[Abstract]:Small and micro-enterprise is an important force in the economic development of our country. The solution of financing difficulty of small and micro-enterprise is of great strategic significance to ensure the sustained, healthy and rapid development of our economy. As a commercial bank of our country, the contractor bank took the lead in establishing the market orientation of "taking small and micro enterprises as its core customers" in 2005, and learned to learn from the international advanced credit technology of small and micro enterprises. Provide financial products and services to a wide range of small business clients. However, the traditional information system with large and medium-sized enterprises as the main credit business cannot meet the financial service needs of small and micro-enterprises. On the basis of the experience of long-term service to small and micro-enterprises, Gradually completed the small and micro-enterprise financial services based on the information system. On the basis of analyzing the operation process of financial services of small and micro-enterprises, this paper forms the overall structure of the financial service information system of small and micro-enterprises of contractors' banks, and introduces in detail the policy management system which serves the financial services of small-and micro-enterprises. Customer management system, business acceptance system, loan management system, risk management system construction. Provide the experience for the commercial bank information system construction.
【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】：F832.2;F276.3
本文编号：2437492
[Abstract]:Small and micro-enterprise is an important force in the economic development of our country. The solution of financing difficulty of small and micro-enterprise is of great strategic significance to ensure the sustained, healthy and rapid development of our economy. As a commercial bank of our country, the contractor bank took the lead in establishing the market orientation of "taking small and micro enterprises as its core customers" in 2005, and learned to learn from the international advanced credit technology of small and micro enterprises. Provide financial products and services to a wide range of small business clients. However, the traditional information system with large and medium-sized enterprises as the main credit business cannot meet the financial service needs of small and micro-enterprises. On the basis of the experience of long-term service to small and micro-enterprises, Gradually completed the small and micro-enterprise financial services based on the information system. On the basis of analyzing the operation process of financial services of small and micro-enterprises, this paper forms the overall structure of the financial service information system of small and micro-enterprises of contractors' banks, and introduces in detail the policy management system which serves the financial services of small-and micro-enterprises. Customer management system, business acceptance system, loan management system, risk management system construction. Provide the experience for the commercial bank information system construction.
【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】：F832.2;F276.3
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