商业银行小企业信贷流程优化方案研究与设计

发布时间：2018-01-15 18:12

本文关键词：商业银行小企业信贷流程优化方案研究与设计　出处：《河北工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：小企业作为我国国民经济的重要组成部分，正在发挥着越来越大的作用，但是“融资难”一直是困扰小企业发展的主要问题之一。近几年，随着国家对小企业的大力支持，各银行对小企业金融服务日益重视。许多商业银行转变了传统的经营观念，将目标转移到小企业金融业务上，银行业竞争越来越激烈。考虑到小企业金融业务将是银行利润的重要增长点，如何在这么多提供同质化产品的竞争者中脱颖而出获得小企业的信赖，信贷流程优化将成为商业银行的必然选择。本文以河北银行为主要研究对象，综合运用理论与实际相结合对其小企业信贷流程进行研究。首先运用战略地图辨析了银行战略与小企业信贷流程的关系，分析得出小企业信贷流程优化的目标；然后通过小企业信贷流程过程分析找出需要改进的环节；其次对小企业信贷流程优化方案进行研究与设计；最后对小企业信贷流程优化方案实施策略进行规划。对河北银行小企业信贷流程优化的研究，，一方面可以为其小企业信贷流程提供优化方案，为其达到“服务小企业”、建成“环渤海区域领先公众银行”的战略提供保障，同时也为其他商业银行小企业信贷研究提供一定的借鉴。此外对于小企业信贷流程的研究，还可以快速高效地满足小企业的融资需求，改善小企业信贷环境，对小企业健康发展，改变中国经济增长方式和调整产业结构具有重要意义。
[Abstract]:As an important part of our national economy , small enterprises are playing a more and more important role , but " financing difficulties " has been one of the main problems that plague the development of small enterprises . In recent years , with the strong support of small enterprises , many commercial banks have shifted the traditional concept of business and transferred the target to small business financial businesses . This paper studies the credit flow of small enterprises by combining theory and practice with Hebei Bank . First , the relationship between bank strategy and credit process of small enterprises is analyzed by using strategic map , and the goal of optimization of credit process in small enterprises is analyzed . Secondly , through analyzing the process of credit process of small enterprises , we find out the link which needs improvement ; secondly , research and design of the optimization scheme of credit process of small enterprises ; and finally , the strategy of optimizing the credit process of small enterprises is planned . The research on the credit process optimization of small enterprises in Hebei bank can provide the optimization scheme for the credit process of small enterprises , provide the guarantee for the strategy of " the leading public bank in the Bohai Sea " and provide some reference for the credit research of small enterprises in other commercial banks . In addition , it can meet the financing needs of small enterprises quickly and efficiently , improve the credit environment of small enterprises , and make the changes of the way of Chinese economy grow and adjust the industrial structure .

【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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