国有银行A分行中小企业融资服务效率改进研究

发布时间：2018-07-01 11:52

本文选题：中小企业 + 持续改进　；参考：《南华大学》2015年硕士论文

【摘要】：大力发展中小企业贷款融资业务,既是国民经济发展的必然趋势,也是商业银行资产业务转型的内在要求。国有大型商业银行由于历史的原因,大、中型客户占比普遍偏高,在金融脱媒及利率市场化的金融大环境下,面临更大的客户调整压力。国有银行A分行是一家大型国有商业银行,目前共有中小企业信贷客户197户,贷款金额18.65亿元(占全行贷款总额的19%)。中小企业信贷客户比重低,主要是受小微客户信贷投放工作效率低,市场服务成本高等因素影响。由于“习惯了大客户经营”的惯性作用,A分行对于中小企业贷款投放也基本上沿用“大客户”经营模式,不但信贷前台外部客户拓展仍然采取“单户”运作方式,市场营销成高;而且信贷后台审批操作环节流程复杂,耗时长。内、外服务效率低下,在造成A分行资产客户结构严重失衡的同时,也大大增加了A分行经济资本管理工作的难度。由于中小企业客户贷款存在贷款额度相对较小、贷款抵押物难以足值,经济资本一般占用较高等缺点,如继续沿用现行“单户”经营模式,势必将面临成本、效率及风控等各种经营压力。因此,有必要根据绩效政策及信贷配给理论要求,进一步创新银行信贷资产业务经营方式,优化大、中、小型客户结构,这是当前商业银行尤其是大型国有商业银行,实现健康、快速、持续发展的现实选择。本文在认真分析A分行中小企业贷款融资业务存在的问题和困难的基础上,提出了针对各类中小企业群体性特征,实施个性化经营的具体工作思路。一是就外部客户拓展营销,提出了围绕大型核心骨干企业上、下游客户,开展信贷资产业务批发经营;二是就市场金融产品研发,提出根据中小企业融资业务需求,开发符合市场实际特点的中小企业融资业务产品;三是就内部运作机制创新,提出了优化商业银行内部信贷业务流程,加大中小企业融资业务财务资源配置,完善有关业务制度及管理办法等改革措施。
[Abstract]:It is not only the inevitable trend of the development of national economy, but also the inherent requirement of the transformation of the assets business of commercial banks to develop the loan financing business of small and medium-sized enterprises. Due to historical reasons, large and medium-sized state-owned commercial banks generally account for a high proportion of customers. Under the financial environment of financial disintermediation and interest rate marketization, they face greater customer adjustment pressure. Branch A, a state-owned bank, is a large state-owned commercial bank. At present, there are 197 small and medium-sized enterprises (SME) credit clients, with a loan amount of 1.865 billion yuan (19% of the total bank loan). The low proportion of SME credit customers is mainly affected by the low efficiency and high market service cost. Because of the inertia of "getting used to the operation of big customers", Branch A also basically follows the "big customer" business model for lending to small and medium-sized enterprises. Not only does external customers in the credit front still adopt the "single account" mode of operation, Marketing is high; and credit approval procedures are complex and time-consuming. The inefficiency of internal and external services has caused serious imbalance of asset customer structure in branch A, and has greatly increased the difficulty of economic capital management in branch A. Because of the relatively small amount of loans for small and medium-sized enterprises, the difficulty of fully valuing the loan collateral, and the high occupation of economic capital, if we continue to use the current "single account" business model, we will inevitably face costs. Efficiency and wind control and other operating pressure. Therefore, it is necessary to further innovate the operation mode of bank credit assets business according to the performance policy and credit rationing theory, optimize the structure of large, medium and small customers, this is the current commercial banks, especially large state-owned commercial banks. To achieve healthy, rapid and sustainable development of the reality of choice. Based on the serious analysis of the problems and difficulties existing in the loan financing business of small and medium-sized enterprises in Branch A, this paper puts forward the concrete working ideas of implementing individualized management according to the group characteristics of all kinds of small and medium-sized enterprises. First, with regard to the expansion of marketing for external customers, it was proposed that the wholesale operation of credit assets business should be carried out around large core backbone enterprises, downstream customers; second, with regard to the development of market financial products, according to the financing business needs of small and medium-sized enterprises, The third is to optimize the internal credit business flow of commercial banks and increase the allocation of financial resources for the financing business of small and medium-sized enterprises in the light of the innovation of internal operation mechanism. Improve the relevant business system and management measures and other reform measures.
【学位授予单位】：南华大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F276.3;F275

【相似文献】