工商银行呼和浩特分行服务小微企业存在的问题及对策研究

发布时间：2018-05-28 13:21

本文选题：小微企业 + 金融服务　；参考：《内蒙古大学》2015年硕士论文

【摘要】：小微企业是经济社会的基础,是非公有制经济的重要组成部分,在保证经济适度增长、不出现系统性风险、缓解就业压力、方便群众生活、推动技术创新和维护社会安定等方面具有不可或缺的作用,因此小微企业已经成为国家政策倾斜、重点扶持的领域。但是由于小微企业自身缺陷和我国经济体制等多方面的因素,使得融资难成为我国小微企业的普遍问题,其在很大程度上阻碍了我国小微企业的发展。目前,商业银行依然是小微企业融资的重要渠道,是解决小微企业融资难问题的中坚力量。当前,在经济新常态下,新的增长动力正在形成,同时外部需求收缩,经济运行走势分化,下行压力较大,在此经济背景下,作为全国最大的商业银行,服务小微企业不仅是工商银行服务国家战略的外在要求,更是保证自身持续发展、根基稳固的内在需要。本文通过分析工商银行呼和浩特分行小微金融服务中存在的各种问题及产生的原因,借鉴他行和国外先进经验,来解决服务中存在的问题,同时对工商银行呼和浩特分行小微企业金融业务如何改善进行研究。本文首先阐述了小微企业的重要性、小微企业融资难的现状和国家对于小微企业的政策支持,同时说明商业银行是解决小微企业融资问题的重要力量,作为全国最大的商业银行中国工商银行在解决小微企业融资问题、做好金融服务上更需要有积极的态度和稳妥的促进措施。然后通过分析工商银行呼和浩特分行小微企业金融服务存在的各种问题及产生的原因,最后提出提升工商银行呼和浩特分行小微企业金融服务的对策,主要从转变经营理念、‘建立专职机构、建设专职客户经理队伍、完善考核机制、转变营销模式、加快产品创新、提升综合金融服务水平和加强风险管理等方面改变、完善工商银行呼和浩特分行小微金融服务,切实履行相应的社会责任,助力千行百业小微企业的发展,为更多的小微企业带来更好的金融服务。
[Abstract]:Small and micro enterprises are the foundation of the economic society and an important part of the non-public sector of the economy. They can ensure moderate economic growth, avoid systemic risks, ease the pressure of employment, and make life easier for the masses. The promotion of technological innovation and the maintenance of social stability and other aspects of the indispensable role, so small and micro enterprises have become a national policy tilt, the focus of support areas. However, because of many factors, such as the defects of the small and micro enterprises and the economic system of our country, the difficulty of financing becomes the common problem of the small and micro enterprises in our country, which to a great extent hinders the development of the small and micro enterprises of our country. At present, commercial banks are still the important channel of financing for small and micro enterprises, and the backbone force to solve the problem of financing of small and micro enterprises. At present, under the new normal state of the economy, a new momentum of growth is taking shape. At the same time, the external demand is shrinking, the economic operation is diverging, and the downward pressure is great. Under this economic background, as the largest commercial bank in the country, Serving small and micro enterprises is not only the external requirement of ICBC's national service strategy, but also the internal need to ensure its sustainable development and solid foundation. This paper analyzes the problems and causes in the small and micro financial service of Hohhot Branch of ICBC, and draws on the advanced experience of other banks and foreign countries to solve the problems in the service. At the same time, it studies how to improve the financial business of small and micro enterprises in Hohhot Branch of ICBC. This paper first expounds the importance of small and micro enterprises, the current situation of financing difficulties of small and micro enterprises and the policy support of the state for small and micro enterprises. At the same time, it shows that commercial banks are important forces to solve the financing problems of small and micro enterprises. As the largest commercial bank in China, the Industrial and Commercial Bank of China (ICBC) needs to have a positive attitude and a sound promotion measure to solve the financing problem of small and micro enterprises and to do a good job of financial services. Then through the analysis of the various problems and the causes of the small and micro enterprise financial service in the Hohhot branch of ICBC, the paper puts forward the countermeasures to promote the financial service of the small and micro enterprise in the Huhehaote branch of ICBC, mainly from changing the management idea. Establish full-time institutions, build a team of full-time account managers, improve the assessment mechanism, change the marketing model, speed up product innovation, upgrade the level of comprehensive financial services and strengthen risk management, etc. Improve the small and micro financial services of Hohhot branch of ICBC, fulfill the corresponding social responsibility, help the development of thousands of small and micro enterprises, and bring better financial services to more small and micro enterprises.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F276.3

【相似文献】