中国银行内蒙古分行中小企业信贷金融服务研究

发布时间：2018-02-24 15:02

本文关键词： 中国银行中小企业信贷工厂授信政策　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：中国银行近年来积极贯彻国家扶持中小企业发展的方针政策,将中小企业业务提高到了战略发展的地位,并作为改善业务结构、客户结构和调整战略方针的重中之重来推进。按照中国银行业监督管理委员会提出的“利率的风险定价机制、独立核算机制、高效的贷款审批机制、激励约束机制、专业化的人员培训机制、违约信息通报机制”六项机制,从总行到省级分行专门成立了中小企业业务部,负责中小企业的授信融资业务,从审批效率、产品创新、服务领域等方面进行改革,并与战略合作伙伴新加坡淡马锡旗下的富登金融控股公司合作开发了“富登／淡马锡”发展模式。该模式是以“流程银行”为核心,梳理出“端对端”的完整流程图,引入“信贷工厂”进行标准化作业,并通过规范标准作业程序来保证流程的效率和客户服务品质。本文以中国银行内蒙古分行为实例,结合内蒙古自治区中小企业发展现状、中小企业对自治区经济发展的贡献,以及内蒙古自治区中小企业融资状况,分析内蒙古中小企业融资难的原因,并详细介绍中国银行内蒙古分行中小企业信贷金融模式的基本情况,同时就新模式业务的优势和存在的问题进行细致阐述,对下一步业务的持续快速发展提出相应的对策建议。
[Abstract]:In recent years, the Bank of China has actively carried out the policy of supporting the development of small and medium-sized enterprises, raised the business of small and medium-sized enterprises to the status of strategic development, and promoted it as the most important part of improving the business structure, customer structure and adjusting the strategic policy. According to the "risk pricing mechanism of interest rate, independent accounting mechanism, efficient loan approval mechanism, incentive and restraint mechanism, professional personnel training mechanism," as proposed by the China Banking Regulatory Commission, The six mechanisms, from the head office to the provincial branch, have set up a small and medium-sized enterprise business department to be responsible for the credit granting and financing business of small and medium-sized enterprises, and carry out reforms in the areas of examination and approval efficiency, product innovation, service fields, etc. And has developed the "Forden / Temasek" development model in cooperation with its strategic partner Temasek Financial holding Company of Singapore. The model is a complete flowchart of "End-to-End" with "process Bank" as the core. Introduction of "credit factory" for standardized operations, and standard operating procedures to ensure the efficiency of the process and customer service quality. This paper takes the Inner Mongolia Branch of the Bank of China as an example, combined with the development of small and medium-sized enterprises in Inner Mongolia Autonomous region, the contribution of SMEs to the economic development of the Autonomous region, and the financing situation of SMEs in Inner Mongolia Autonomous region. This paper analyzes the reasons for the financing difficulties of the small and medium-sized enterprises in Inner Mongolia, and introduces in detail the basic situation of the credit finance model of the small and medium-sized enterprises in the Inner Mongolia Branch of Bank of China. At the same time, the advantages and problems of the new model are elaborated in detail. Put forward the corresponding countermeasure suggestion to the next step business continuous fast development.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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