包商银行微小企业贷款业务培训体系研究

发布时间：2018-12-17 21:20

【摘要】：近年来,微小企业融资难的问题逐渐成为社会关注的焦点之一。由于受多年来商业银行对于微小企业贷款的高风险持有怀疑态度等因素的影响,很少有商业银行开展针对微小企业贷款的业务。在我国政府的大力支持下,越来越多的商业银行开始涉足这一领域,但发展速度却一直缓慢,这一方面和银行管理层的战略和信贷模式选择有关,另一方面也和信贷队伍的建立和培养有关。虽然很多银行也逐渐意识到了这一点,但却少有关于培训的研究。本研究就包商银行微小企业贷款业务的培训现状进行深入分析,提出在现有培训机制的基础上如何完善培训体系及具体实施措施,切实解决目前的培训工作中存在的问题,以更好地促进微小企业贷款信贷队伍建设。同时,希望对开展微小企业贷款业务的其他商业银行如何完善培训体系、提高培训能力也具有一定的借鉴和指导意义。
[Abstract]:In recent years, the financing of micro-enterprises has gradually become one of the focus of attention. Due to the fact that commercial banks have been sceptical about the high risk of micro-enterprise loans for many years, few commercial banks carry out the business of micro-enterprise loans. With the strong support of our government, more and more commercial banks are beginning to get involved in this field, but the pace of development has been slow, which is related to the strategy of bank management and the choice of credit model. On the other hand, it is also related to the establishment and cultivation of credit force. While many banks have come to realize this, little research has been done on training. Based on the analysis of the current training situation of micro-enterprise loan business in contractor bank, this study puts forward how to improve the training system and concrete implementation measures on the basis of the existing training mechanism, so as to effectively solve the problems existing in the current training work. In order to better promote the construction of small-and-micro-enterprise loan credit team. At the same time, it is hoped that how to improve the training system and improve the training ability of other commercial banks that carry out micro-enterprise loan business also has certain reference and guidance significance.
【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】：F832.2

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