L银行小企业金融服务策略优化研究

发布时间：2018-02-16 19:20

本文关键词： 小企业金融服务策略优化方案保障措施　出处：《西北大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国市场经济的飞速发展及市场竞争的不断加剧,小企业已成为中国各行业生产经营的主力军和企业数量增长的领头羊。小企业和大中型企业互为依托,相互协同发展,没有小企业,大中型企业就失去了生存和发展的基石,小企业在当前社会经济中占据的地位越来越高,发挥的作用越来越大。小企业业务由于其特有的高成长性、高收益性、低资本占用和广阔的市场空间,近年来愈加受到国内商业银行的普遍青睐,已成为各金融机构应对利率市场化冲击的兵家必争之地。同时,融资类牌照对非银行机构的放开,也催生了小额贷款公司等众多信贷机构共同参与争抢；加之技术手段单一,以抵押和强担保为主要风险控制手段的同质化竞争严重,小企业金融“低层级”市场竞争日趋激烈。在外部环境变化和内部竞争加剧的双重“挤压”下,各家金融机构在继续加大对小企业拓展力度的同时,也在加紧推动小企业金融风险控制技术的提升和业务模式的转型升级,着力推进小企业金融业务的“二次创业”,加快批量化和流程化作业,在“公司和零售客户”的传统二元业务框架之外,大力构筑有别于传统银行经营方式的“信贷工厂”,从营销组织体系、风险管理体系等方面配套完善的业务运行机制,通过提升核心竞争优势,拓宽业务发展空间。小企业金融正伴随着以互联网为代表的新技术应用广泛渗透到社会经济、生活的各个层面,可以预见,小企业金融服务即将迎来全行业的爆发式增长。围绕这一主题,本文以文献归纳法、调查分析法、实证研究法和系统分析法为主要研究方法对小企业金融服务发展的现状进行分析,以此为基础进一步以L银行小企业金融服务策略为研究对象进行系统分析,期望能对小企业金融服务的发展提供参考和借鉴。本文撰写和研究的目的就是通过对小企业金融服务发展的初步了解,以及对L银行小企业金融服务策略的分析,发现L银行小企业金融服务策略中存在的问题并提出优化方案,同时就优化方案的实施明确了切实有效的保障措施,从而促进L银行小企业金融服务的发展。同时对其他金融机构的小企业金融服务提供借鉴。
[Abstract]:With the rapid development of China's market economy and the increasing market competition, small enterprises have become the main force in the production and operation of various industries in China and the leader in the growth of the number of enterprises. Small enterprises and large and medium-sized enterprises rely on each other and develop in coordination with each other. Without small enterprises, large and medium-sized enterprises will lose the cornerstone of their survival and development, and small enterprises will occupy an increasingly high position and play an increasingly important role in the current social economy. In recent years, low capital occupation and broad market space have become more and more popular among domestic commercial banks, and have become a necessary battle for financial institutions to cope with the impact of interest rate marketization. At the same time, financing licences have been liberalized to non-bank institutions. It has also given birth to the participation of many credit institutions, such as microfinance companies, in the competition; in addition, with a single technical means, the homogeneous competition between mortgage and strong guarantee as the main means of risk control is serious. The competition in the "low level" market of small business finance is becoming increasingly fierce. Under the double "squeeze" of the changes in the external environment and the intensification of internal competition, various financial institutions continue to expand their efforts to small enterprises at the same time, They are also stepping up efforts to promote the upgrading of financial risk control technology and the transformation and upgrading of business models in small enterprises, to promote the "second venture" of financial business in small enterprises, and to speed up batch and process operations. In addition to the traditional dual business framework of "company and retail customer", we should make great efforts to construct "credit factory", which is different from the traditional bank management mode, and perfect the business operation mechanism from the aspects of marketing organization system, risk management system and so on. By enhancing the core competitive advantage and broadening the business development space, small business finance is permeating into the social economy and every aspect of life with the application of new technology represented by the Internet, which can be foreseen. Small business financial services are about to usher in the explosive growth of the whole industry. Around this theme, this paper uses the method of literature induction, investigation and analysis. The empirical research method and the system analysis method are the main research methods to analyze the present situation of the development of the small business financial service, and take L bank small enterprise financial service strategy as the research object to carry on the system analysis. The purpose of this paper is to understand the development of financial services of small enterprises and to analyze the strategies of financial services of small enterprises in L Bank. This paper finds out the problems existing in the financial service strategy of small enterprises in L Bank and puts forward the optimization scheme. At the same time, it clarifies the practical and effective safeguard measures for the implementation of the optimization scheme. Thus, it promotes the development of the financial services of small enterprises in bank L and provides reference for the financial services of small enterprises in other financial institutions.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F275;F276.3;F832.4

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