民生银行呼和浩特分行小微企业金融服务发展存在问题及对策研究

发布时间：2018-06-16 01:50

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】：近年来,随着国内创业浪潮的兴起,我国小微企业发展速度明显加快。无论是从小微企业注册数量,还是从小微企业资产规模方面看,国内小微企业正逐步进入一个新的发展阶段。在这背景下,国内商业银行纷纷加快对小微企业金融服务业务的支持力度,以抢占有利的市场地位。本文以民生银行呼和浩特分行为研究对象,采用案例分析方法,以呼和浩特分行小微企业服务业务发展情况为研究切入点,具体分析其小微企业金融服务业务的发展现状及存在问题。研究发现,尽管当前民生银行呼和浩特分行小微企业金融业务在区域金融市场上具备一定的竞争优势和市场影响力；但是,随着市场竞争的加剧,民生银行呼和浩特分行小微企业金融业务在发展中也遇到相关问题,具体表现为组织结构协调性较低、小微企业产品创新力度有限、营销方式落后且深度不足、风险管理观念保守且流程繁琐、轻视小微企业贷后管理等。同时,分析认为,民生银行呼和浩特分行要持续扩大小微企业金融业务的市场规模,提升业务市场竞争力,需要从优化调整小微企业组织机构、加快小微企业产品或服务创新步伐、采用批量化营销模式并提高营销广度和深度、转变风险管理观念并提高风险管理效率、重视并进一步加强小微企业贷后管理工作等方面入手进行相关业务改进,才能有效解决呼和浩特分行小微企业金融业务发展过程中出现的相关问题。最后,本文为确保民生银行呼和浩特分行切实落实小微企业金融业务发展改进策略,分别从思想认识、人力资源管理、信息化建设、产品研发机制、企业文化建设等方面提出相关保障措施,共呼和浩特分行领导层参考。本文研究对商业银行开展小微企业金融业务具有一定的参考与借鉴价值。
[Abstract]:In recent years, with the rise of domestic entrepreneurial wave, the development of small and micro enterprises in China has been accelerated. No matter the number of small enterprises registered or the size of small and micro enterprises assets, domestic small and micro enterprises are gradually entering a new stage of development. In this context, domestic commercial banks have accelerated the support of small and micro-enterprise financial services business, in order to seize a favorable market position. This paper takes Hohhot Branch of Minsheng Bank as the research object, adopts the case analysis method, and takes the development of the small and micro enterprise service business of the Hohhot Branch as the starting point. The present situation and existing problems of financial service business of small and micro enterprises are analyzed in detail. The study found that, although the current financial business of small and micro enterprises in Hohhot Branch of Minsheng Bank has a certain competitive advantage and market influence in the regional financial market, but with the intensification of market competition, Minsheng Bank Hohhot Branch in the development of small and micro enterprise financial business also encountered related problems, the specific performance of the low coordination of the organizational structure, small and micro enterprise product innovation is limited, marketing methods are backward and insufficient depth. The risk management idea is conservative and the process is tedious, despises the small and micro enterprise after loan management and so on. At the same time, it is believed that in order to continuously expand the market size of small and micro enterprises' financial business and enhance the market competitiveness of small and micro enterprises, the Huhhot branch of Minsheng Bank needs to optimize and adjust the small and micro enterprises' organizations. Accelerate product or service innovation of small and micro enterprises, adopt mass marketing model and increase marketing breadth and depth, change risk management concept and improve risk management efficiency, Only by paying attention to and further strengthening the post-loan management of small and micro enterprises can we effectively solve the related problems in the development of financial business of small and micro enterprises in Hohhot Branch. Finally, in order to ensure the Minsheng Bank Hohhot Branch to implement the small and micro enterprise financial business development improvement strategy, respectively from the ideological understanding, human resources management, information construction, product research and development mechanism, Corporate culture construction and other aspects of the relevant safeguards, Hohhot branch leadership reference. This study has some reference value for commercial banks to carry out small and micro-enterprise financial business.
【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

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