我国商业银行分支机构小企业金融业务经营策略研究——以工商银行L市二级分行为例

发布时间：2018-05-30 09:34

本文选题：商业银行 + 小企业金融业务　；参考：《金融论坛》2010年02期

【摘要】：随着《国务院关于进一步促进中小企业发展的若干意见》的出台,如何进一步加快小企业金融业务发展,客观地摆在了商业银行从业人员面前。笔者以工商银行L市二级分行的现状为例,提出商业银行在加快小企业金融业务发展的经营策略上,应从5个方面引起注意:一是要进一步提高小企业金融业务人员的综合素质;二是要加快小企业金融业务产品的创新步伐;三是进一步优化小企业金融业务的组织架构;四是使现有的小企业贷款业务激励机制逐步升级;五是在风险可控的前提下,力争小企业金融业务准入在基层支行层面上逐步、全面放开。
[Abstract]:With the publication of some opinions of the State Council on further promoting the development of small and medium-sized enterprises, how to further accelerate the development of the financial business of small enterprises has been objectively placed in front of the practitioners of commercial banks. Taking the current situation of the secondary branch of Industrial and Commercial Bank of China (ICBC) L as an example, the author puts forward the management strategy of commercial banks in speeding up the development of financial business in small enterprises. Attention should be drawn from five aspects: first, to further improve the comprehensive quality of financial personnel in small enterprises; second, to speed up the pace of innovation of financial business products in small enterprises; third, to further optimize the organizational structure of financial services in small enterprises; Fourth, to gradually upgrade the existing incentive mechanism for small business loans; fifth, under the premise of controllable risks, we should strive to gradually and comprehensively liberalize the access to financial services of small enterprises at the grass-roots branch level.
【作者单位】：中国工商银行安徽六安分行;
【分类号】：F832.2

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