中国银行吉林省分行中小企业贷款策略研究

发布时间：2018-04-29 00:17

本文选题：商业银行 + 中小企业　；参考：《吉林大学》2012年硕士论文

【摘要】：中小企业经过多年的发展，已成为驱动我国经济增长的重要力量，起到了促进经济发展和社会进步的积极作用，在国民经济发展建设中占有举足轻重的地位。截止到2011年上半年，吉林省中小企业主营业务收入同比增长了36.4%，收入占到吉林省地区生产总值的49.4%，对吉林省经济发展贡献度达到57%。吉林省中小企业在促进经济增长、缓解就业压力方面发挥了基础性作用，起到了维护社会稳定的积极作用。当前国家大力倡导银行业等金融服务业为中小企业提供金融支持服务。商业银行的重点发展目标和工作重心之一就是着力发展中小企业贷款业务。中小企业贷款业务已成为商业银行新的利润增长点。如何在激烈的竞争中拓展中小企业贷款业务发展思路，形成独具特色的中小企业贷款产品，赢得市场、赢得客户，成为商业银行中小企业贷款业务管理的核心问题。中国银行吉林省分行在2010成立了中小企业中心，开始在“信贷工厂”模式下开展中小企业贷款业务。经过近两年的发展，吉林省分行中小企业业务快速发展，中小企业客户授信余额及客户数实现强劲增长。在发展的过程中，中国银行中小企业业务原有的产品设计、业务流程、风险控制手段以及队伍建设和激励机制方面都存在着与业务发展不相适应的地方，需要加以改进。针对中国银行吉林省分行中小企业贷款业务发展中存在的问题，本文认真进行了分析，并在分析基础上提出了加快发展中小企业贷款业务的策略设计。首先，是要加快产品创新，设计适应中小企业客户需求的专业化金融产品。一是与吉林省内专业担保机构合作，由专业担保机构为中小企业客户提供担保，收取合理的担保费用，降低中小企业融资成本，充分发挥专业担保机构的作用，实现资源共享、优势互补。二是对生产经营状况良好、存货占有或流转量较大、资产抵押不足的中小企业，采取存货抵押担保的方式，破解中小企业担保难的瓶颈，盘活企业存货类资产，加速企业资金流转。三是围绕本行现有的核心客户，以供应链为纽带，针对核心客户上、下游供应商对应收账款的融资需求，设计供应链融资产品，降低了对单个供应商授信的准入门槛，有效解决了中小企业融资难的问题。四是针对中小企业贷款普遍具有的用款期限短、周转速度快、时效要求高的特点，设计、研发针对中小企业客户的循环额度贷款产品。其次，要拓展营销渠道。明确中小企业客户的目标定位，根据中小企业客户行业和区域特点，制定目标客户清单，实行“名单式营销”，同时发挥中国银行网点营销渠道优势，发掘潜在客户。第三，是要进一步优化业务流程，增加中小企业贷款的审批权限，，提高审批效率。第四，是要进一步从行业风险、信用风险等多个维度加强风险控制。第五，是要强化队伍建设、优化激励机制，来保障中小企业贷款业务的发展。
[Abstract]:After years of development, small and medium-sized enterprises have become an important force to drive China's economic growth, play a positive role in promoting economic development and social progress, and play a pivotal role in the construction of national economic development. As of the first half of 2011, the main business income of small and medium-sized enterprises in Jilin Province has increased by 36.4% compared with the same period last year, accounting for 49.4% of the GDP of Jilin Province and contributing 57% to the economic development of Jilin Province. The small and medium-sized enterprises in Jilin Province have played a fundamental role in promoting economic growth and alleviating employment pressure, and played a positive role in maintaining social stability. At present, the country strongly advocates banking and other financial services to provide financial support services for small and medium-sized enterprises. One of the key development objectives and focus of commercial banks is to focus on the development of small and medium-sized loans business. SME loan business has become a new profit growth point of commercial banks. How to expand the development of SME loan business in the fierce competition, form the unique SME loan products, win the market, win customers, become the core problem of the commercial bank SME loan business management. The Bank of China Jilin Province Branch set up the SME Center in 2010 and began to develop the SME loan business under the "credit factory" model. After nearly two years of development, the business of small and medium-sized enterprises in Jilin Branch has developed rapidly, and the credit balance and the number of customers of small and medium-sized enterprises have increased strongly. In the process of development, the original product design, business process, risk control means, team building and incentive mechanism of the small and medium-sized enterprises of Bank of China are not suitable for the business development, which need to be improved. In view of the problems existing in the development of SME loan business in Jilin Branch of Bank of China, this paper makes a serious analysis, and puts forward the strategy design of speeding up the development of SME loan business on the basis of the analysis. First of all, it is necessary to speed up product innovation and design specialized financial products to meet the needs of small and medium-sized enterprises. First, in cooperation with professional guarantee organizations in Jilin Province, professional guarantee institutions will provide guarantees for small and medium-sized enterprises' customers, collect reasonable guarantee fees, reduce the financing costs of small and medium-sized enterprises, give full play to the role of professional guarantee agencies, and realize the sharing of resources. The advantages complement each other. Second, for small and medium-sized enterprises with good production and operation, large inventory possession or circulation, and insufficient collateral of assets, the method of inventory mortgage guarantee is adopted to solve the bottleneck of SMEs' guarantee and to activate the enterprise's inventory assets. Speed up the circulation of enterprise funds. The third is to design the supply chain financing products around the existing core customers of the bank, aiming at the financing demand of the core customers and the downstream suppliers to the accounts receivable, so as to lower the threshold of access to the credit granted to the individual suppliers. Effectively solve the financing difficulties of small and medium-sized enterprises. The fourth is to design and develop the revolving quota loan product for small and medium-sized enterprises which has the characteristics of short term of use, fast turnover and high requirement of limitation. Second, to expand marketing channels. According to the characteristics of SME customer industry and region, the target customer list should be made and "list marketing" should be carried out. At the same time, the advantages of marketing channel of Bank of China network should be brought into play, and potential customers should be discovered. Third, it is necessary to further optimize business processes, increase the authority to approve small and medium-sized loans, improve the efficiency of approval. Fourth, it is necessary to further strengthen risk control from industry risk, credit risk and other dimensions. Fifth, it is necessary to strengthen team building, optimize incentive mechanism, to ensure the development of small and medium-sized loan business.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】