A银行小企业金融服务发展战略研究

发布时间：2018-04-28 10:43

本文选题：商业银行 + 小企业　；参考：《云南大学》2012年硕士论文

【摘要】：小企业金融业务有助于银行提高资产流动性、优化信贷结构、分散风险和培育新的利润增长点,已成为商业银行实现经营转型和可持续发展的有效途径和重要契机。在此背景下,站在商业银行的角度,系统研究小企业金融服务的发展战略和具体实施措施,在理论和实践上都具有十分显著的现实意义。本文从国内外有关小企业金融服务的相关基础理论和研究现状出发,归纳总结了小企业金融服务的研究现状和存在的问题。接下来,分析了小企业的特点、现实经营环境、金融服务现状及存在问题,通过对相关基础理论和小企业金融服务现状、特点的分析和总结,为提出小企业金融服务发展战略奠定了基础。然后,以A银行为例,提出一套开展小企业金融服务的具体发展战略,该战略结合A银行的自身条件和特点,从组织架构、流程及运营机制、产品和营销模式、内控和风险管理等几个方面系统介绍了发展小企业金融服务的具体方式和路径。另外,继续深入分析和研究,进一步介绍保障小企业金融服务发展战略得以实施的相关措施。本文旨在通过该战略和措施,进一步理清发展思路,解决发展过程中出现的问题和困难。通过对商业银行小企业金融服务发展之路的积极探索,在为本区域小企业提供有力金融支持的同时,不断提高小企业金融服务的管理水平和核心竞争力,促进A银行小企业金融服务业务实现快速、可持续发展,顺利实现经营转型的战略目标。同时,本文希望该战略研究也能为其他同类型商业银行小企业金融服务的发展策略提供一定的参考和借鉴。
[Abstract]:The financial business of small enterprises helps banks to improve the liquidity of assets, optimize the credit structure, spread risks and cultivate new profit growth points. It has become an effective way and an important opportunity for commercial banks to realize the business transformation and sustainable development. In this context, from the perspective of commercial banks, it is of great significance in theory and practice to systematically study the development strategy and specific implementation measures of financial services for small enterprises. Based on the basic theory and research status of small business financial service at home and abroad, this paper summarizes the current research situation and existing problems of small business financial service. Then, it analyzes the characteristics of small enterprises, the actual business environment, the current situation of financial services and existing problems, through the analysis and summary of the relevant basic theories and the current situation of financial services of small enterprises. It lays a foundation for the development strategy of financial services for small enterprises. Then, taking Bank A as an example, this paper puts forward a set of specific development strategies for the development of small business financial services. The strategy combines the conditions and characteristics of Bank A, from the organizational structure, process and operation mechanism, products and marketing model. Several aspects such as internal control and risk management have systematically introduced the specific ways and paths of developing the financial services of small enterprises. In addition, further analysis and research are carried out to further introduce the relevant measures to ensure the implementation of the development strategy of financial services for small enterprises. The purpose of this paper is to further clarify the thinking of development and solve the problems and difficulties in the process of development through the strategy and measures. By actively exploring the way to develop the financial services of small enterprises in commercial banks, while providing strong financial support to small enterprises in the region, the management level and core competitiveness of financial services of small enterprises in the region have been continuously improved. To promote the rapid and sustainable development of bank A small business financial services, and to realize the strategic goal of business transformation. At the same time, this paper hopes that the strategic research can also provide some reference for the development strategy of the financial services of other small enterprises in the same type of commercial banks.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F276.3

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