基于核心企业经营数据的核心企业项下小微企业批量授信方案研究

发布时间：2018-02-24 17:21

本文关键词： 核心企业经营数据小微企业批量授信策略　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：本文第一章分析了我国小微企业融资的概况,包括小微企业基本状况、政策导向与银行体系两方面。第二章给出了小微企业融资案例分析,包括案例基本状况、授信方案、常见风险点、风险管理反思四方面。第三章介绍了民生银行小微企业融资现状,包括产品简介、定价策略、策略检验与实践结果四方面。第四章提出了围绕核心企业开展小微企业批量融资的思路,包括小微企业基本状况、政策导向与银行体系两方面。第五章提出了核心企业项下小微企业批量融资的客户定位策略,包括目标客户选择的指导思想、划分和营销策略三方面。第六章提出了核心企业项下小微企业批量融资的风险控管策略,包括风险控管总体策略、目标客户的风控特点和产品设计策略及适用授信产品三方面。第七章提出了核心企业项下小微企业批量融资的方案,包括总体方案概述、数据源渠道、生成数据报表、标准化作业流程和经营机构后续工作内容五方面。
[Abstract]:The first chapter analyzes the general situation of the financing of small and micro enterprises in China, including the basic situation of small and micro enterprises, policy direction and banking system. Chapter two gives a case study of financing of small and micro enterprises, including the basic situation of cases, the credit scheme. The third chapter introduces the current financing situation of Minsheng Bank small and micro enterprises, including product profile, pricing strategy, Chapter 4th puts forward the idea of carrying out batch financing of small and micro enterprises around core enterprises, including the basic status of small and micro enterprises. Chapter 5th proposes the customer orientation strategy for batch financing of small and micro enterprises under the core enterprise, including the guiding ideology of target customer selection. Chapter 6th puts forward the risk control strategy of batch financing of small and micro enterprises under the core enterprise, including the overall strategy of risk control. The risk control characteristics of target customers and product design strategies and applicable credit products. Chapter 7th puts forward the project of batch financing for small and micro enterprises under the core enterprise item, including the overview of the overall scheme, the channel of data source, the generation of data report forms. Standardized operation flow and management organization follow up work content 5 respects.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F276.3

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