MS银行济南分行小微金融战略研究

发布时间：2018-12-11 00:10

【摘要】：随着利率市场化进程加快、金融脱媒加剧、互联网金融的挑战加深,中国银行业面临着前所未有的“双重转型”的压力,寻找新的目标客户群体成为各家银行战略转型的重点。小微企业数量巨大,是我国经济活动中最活跃的主体,同时小微企业受其自身发展特点影响,也是最容易被忽略的弱势群体,小微企业金融需求难以得到满足。面对内外多重因素,商业银行转变经营战略、将小微企业纳入服务对象势在必行,以MS银行为代表的一些商业银行在小微金融战略方面的成功探索和实践,开辟了自身快速发展的新增长极。本文在整理国内外小微金融相关文献的基础上,对当前小微金融领域的研究予以归纳总结,提出本文的研究内容和研究方法。本文首先对小微企业和小微金融的概念及内涵进行界定,接下来结合PEST分析法和SWOT矩阵分析法,重点对MS银行济南分行小微金融战略的外部环境和内部资源进行分析,并通过构建SWOT矩阵得出分析结论。在此基础上,提出了MS银行济南分行小微金融战略的指导思想、发展思路、战略目标、重点任务,以及相关的小微职能战略和战略评价指标体系。同时,本文从人力资源、财务资源配置、风险管理、渠道建设、科技创新等方面梳理了MS银行济南分行小微金融战略实施的保障措施,并提出了相对应的提升建议。最后,本文得出MS银行济南分行小微金融战略的研究总结和研究展望,认为小微金融战略是一个系统性工程,需要整个银行内部体系的流程化配合才能实现既定的战略发展目标。随着小微金融逐渐获得重视并趋向多元化方向发展,MS银行济南分行需要不断增添创新商业模式,升级和改造产品和服务,推动小微金融战略实现跨越式发展。
[Abstract]:With the acceleration of interest rate marketization process, financial disintermediation and the deepening of Internet finance challenges, the Chinese banking industry is facing unprecedented pressure of "double transformation". Looking for new target customer groups has become the focus of the strategic transformation of each bank. Small and micro enterprises are the most active subject in the economic activities of our country. At the same time, small and micro enterprises are affected by their own development characteristics and are the most easily neglected vulnerable groups. The financial needs of small and micro enterprises are difficult to meet. In the face of many internal and external factors, it is imperative for commercial banks to change their business strategy and bring small and micro enterprises into service objects. Some commercial banks, represented by MS Bank, have successfully explored and implemented the strategy of small and micro finance. Opened up its own rapid development of new growth poles. Based on the literature of domestic and foreign microfinance, this paper summarizes the current research in the field of microfinance, and puts forward the research contents and methods of this paper. In this paper, the concept and connotation of small and micro enterprises and micro finance are defined, and then the external environment and internal resources of small and micro finance strategy of Jinan Branch of MS Bank are analyzed with PEST analysis and SWOT matrix analysis. The conclusion is obtained by constructing SWOT matrix. On this basis, the guiding ideology, development ideas, strategic objectives, key tasks, and related small-function strategy and strategic evaluation index system of Jinan Branch of MS Bank are put forward. At the same time, this paper combs the safeguard measures of implementing the small and micro finance strategy of Jinan Branch of MS Bank from the aspects of human resources, financial resources allocation, risk management, channel construction, scientific and technological innovation, and puts forward corresponding promotion suggestions. Finally, this paper draws the conclusion and prospect of the research on the small and micro finance strategy of MS Bank Jinan Branch, and thinks that the small and micro finance strategy is a systematic project. In order to achieve the established strategic development goal, the whole bank internal system needs the process coordination. With the attention paid to microfinance and the trend of diversification, Jinan Branch of MS Bank needs to add innovative business models, upgrade and transform products and services, and promote the development of micro-finance strategy by leaps and bounds.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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