中国银行甘肃分行“信贷工厂”模式运作问题研究

发布时间：2018-01-26 21:00

本文关键词： 中小企业信贷工厂问题原因管理措施　出处：《兰州大学》2014年硕士论文　论文类型：学位论文

【摘要】：解决中小企业融资困难的问题,对于国有大型商业银行中国银行的分支甘肃分行来说既是履行社会责任的义务,又是拓宽业务领域的机遇,同时也是在同业积极发展中小企业业务的情况下应对竞争的现实要求。甘肃中行“信贷工厂”模式运行以来,取得了一定的成果,但是还存在一些问题。分析这些问题及其原因,提出改进的措施,有利于促进甘肃中行的中小企业业务发展、实现企业价值最大化,有利于更好地履行央企的社会责任,有利于促进甘肃中小企业的发展,有利于促进城镇化和地方经济发展。论文分析了“信贷工厂”模式目前存在的问题,主要包括授信客户行业集中度太高,业务区域发展不平衡,营销进展缓慢、业务规模很小,风险管理工作质量不高。论文分析了导致这些问题的原因,主要是“信贷工厂”不能很好地应对外部环境对甘肃中小企业发展的不利影响,中小企业阶段性融资需求整体不足,“信贷工厂”较低的审批权限和大风险审批框架缺乏竞争力。论文提出了相应的改进措施,主要包括完善“信贷工厂”模式营销渠道和体系管理,提高“信贷工厂”模式从业人员专业水平,丰富“信贷工厂”模式的风险管理手段,强化供应链金融思想、促进产品创新,建设良好的授信文化。
[Abstract]:To solve the problem of financing difficulties of small and medium-sized enterprises, it is not only the obligation to fulfill social responsibility, but also the opportunity to broaden the scope of business for the branch of Gansu Branch of Bank of China, a large state-owned commercial bank. At the same time, it is also in the industry to actively develop small-and-medium-sized businesses to deal with the actual requirements of competition. Since the operation of "credit factory" mode of Bank of China in Gansu Province, some achievements have been made, but there are still some problems. This paper analyzes these problems and their causes, and puts forward some measures for improvement. It is helpful to promote the business development of the small and medium-sized enterprises in Bank of Gansu, to maximize the enterprise value, to better perform the social responsibility of the central enterprises, and to promote the development of the small and medium-sized enterprises in Gansu Province. It is conducive to promoting urbanization and local economic development. The paper analyzes the existing problems of the "credit factory" model, including the high concentration of credit customer industry, the unbalanced development of business area, the slow progress of marketing, and the small scale of business. The quality of risk management is not high. This paper analyzes the causes of these problems, mainly because the "credit factory" can not cope with the adverse effects of external environment on the development of small and medium-sized enterprises in Gansu Province, and the overall financing needs of small and medium-sized enterprises are insufficient. Low approval authority and large-risk approval framework for credit factories are not competitive. The paper puts forward the corresponding improvement measures, mainly including perfecting the marketing channel and system management of the "credit factory" mode, and improving the professional level of the "credit factory" model employees. It enriches the risk management means of "credit factory" mode, strengthens the thought of supply chain finance, promotes product innovation, and builds a good credit culture.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.4

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