浦发银行提升中小企业金融服务的对策研究
发布时间：2019-06-06 06:55
【摘要】：中小企业发展一直是我国政策扶持的重点。随着商业银行市场竞争和监管要求的不断提升，利率市场化的日益临近，以及大型企业金融脱媒现象的日益显著，国内各家商业银行也都将中小企业业务作为战略转型的重点。在实际的经营过程中，由于信息不对称等原因造成中小企业业务操作成本高，风险把控能力弱等问题，各家商业银行在关注这一市场的同时，也经常感到业务开展有诸多困扰。 本文研究课题以作者所供职的浦发银行中小企业业务为研究对象，，在对比国内外商业银行主要中小企业业务经营模式的基础上，分析商业银行和中小企业在需求、成本和风险承受等方面的价值结合点，提出聚腋成裘，变单笔中小企业业务为同类、同质中小企业集群业务的观点，并结合全过程金融服务的理念，对开展中小企业集群业务的具体实施路径提出可行性方案建议。作者力求通过此课题的研究，对浦发银行在中小企业业务经营领域的进一步发展提供一种新的方式借鉴。
[Abstract]:The development of small and medium-sized enterprises has always been the focus of policy support in our country. With the continuous improvement of market competition and supervision requirements of commercial banks, the marketization of interest rates is approaching, and the phenomenon of financial disintermediation of large enterprises is becoming more and more prominent. Domestic commercial banks also regard the business of small and medium-sized enterprises as the focus of strategic transformation. In the actual business process, due to asymmetric information and other reasons, the business operation cost of small and medium-sized enterprises is high, the risk control ability is weak and so on. When commercial banks pay attention to this market, they often feel that there are many problems in the development of business. In this paper, the author works for the small and medium-sized enterprises of Pudong Development Bank as the research object, on the basis of comparing the business models of the main small and medium-sized enterprises of domestic and foreign commercial banks, this paper analyzes the demand of commercial banks and small and medium-sized enterprises. Based on the combination of cost and risk bearing, this paper puts forward the viewpoint of turning a single small and medium-sized enterprise business into a similar business, homogeneous small and medium-sized enterprise cluster business, and combining the concept of financial services in the whole process. This paper puts forward some feasible suggestions on the concrete implementation path of developing the cluster business of small and medium-sized enterprises. Through the research of this subject, the author tries to provide a new way for reference for the further development of Pudong Development Bank in the field of business management of small and medium-sized enterprises.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2494155
[Abstract]:The development of small and medium-sized enterprises has always been the focus of policy support in our country. With the continuous improvement of market competition and supervision requirements of commercial banks, the marketization of interest rates is approaching, and the phenomenon of financial disintermediation of large enterprises is becoming more and more prominent. Domestic commercial banks also regard the business of small and medium-sized enterprises as the focus of strategic transformation. In the actual business process, due to asymmetric information and other reasons, the business operation cost of small and medium-sized enterprises is high, the risk control ability is weak and so on. When commercial banks pay attention to this market, they often feel that there are many problems in the development of business. In this paper, the author works for the small and medium-sized enterprises of Pudong Development Bank as the research object, on the basis of comparing the business models of the main small and medium-sized enterprises of domestic and foreign commercial banks, this paper analyzes the demand of commercial banks and small and medium-sized enterprises. Based on the combination of cost and risk bearing, this paper puts forward the viewpoint of turning a single small and medium-sized enterprise business into a similar business, homogeneous small and medium-sized enterprise cluster business, and combining the concept of financial services in the whole process. This paper puts forward some feasible suggestions on the concrete implementation path of developing the cluster business of small and medium-sized enterprises. Through the research of this subject, the author tries to provide a new way for reference for the further development of Pudong Development Bank in the field of business management of small and medium-sized enterprises.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
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