JS银行陕西分行中小企业信贷服务策略研究

发布时间：2018-10-16 12:47

【摘要】：随着我国改革开放进程的不断深入,民营经济得到了前所未有的发展机遇,作为其主体的中小企业在经济增长、创造就业,调整产业结构等方面发挥着非常重要的作用,同时也做出了巨大贡献。随着我国经济进入新常态发展模式,增长速度有所放缓,企业外部环境复杂多变,这给中小企业的发展带来了巨大挑战。资金作为中小企业的生存命脉已经成为制约进一步发展的瓶颈,国家也出台了一系列政策帮助中小企业拓宽融资渠道。银行作为资金的提供者一方面要积极响应国家政策,同时也为自身的发展寻求新的利润增长点。中小企业金融服务蕴藏着巨大的商机,具有广阔的发展前景,近年来也得到了各家商业银行的重视,因此研究中小企业信贷服务策略具有重要的现实背景。本文选择某大型商业银行JS银行陕西分行为研究对象,通过分析银行外部竞争环境的变化和国家对于中小企业融资的扶持,说明了研究的重要意义。对国内外中小企业融资研究现状进行综述,分析了影响中小企业信贷融资的影响因素。在此基础上,介绍了JS银行陕西分行中小企业信贷服务的现状,分析了客户需求的特征,总结出发展中小企业信贷服务的优势、劣势、机会和威胁,指出其中存在的问题,主要包括产品创新不足、流程效率低,营销缺乏针对性,信用评级不完善以及风险防范存在隐患等。针对这些问题,本文提出了针对性的改进措施：在优化现有产品体系的同时加大新产品创新,通过联贷联保、政府支持等方式,设计具有区域特色的产品；调整审批模式,规范放款流程和贷后管理；,实施批量营销,做好集群营销、客户筛选、产品配置等工作,提高营销效率降低成本；制定了全方面的信用评级制度。最后,从组织、人员和风险等方面提出了保障措施。以“联贷联保贷款”产品为例,说明了业务开展的状况和取得的成果。本文的成果对于JS银行陕西分行明确中小企业信贷业务定位,制定有针对性的产品和服务措施具有指导作用。同时对于其他商业银行中小企业信贷业务也具有参考价值。
[Abstract]:With the deepening of China's reform and opening up process, private economy has been unprecedented opportunities for development, as the main body of small and medium-sized enterprises in economic growth, job creation, adjustment of industrial structure plays a very important role. At the same time, it also made a great contribution. With China's economy entering the new normal mode of development, the growth rate has slowed down, and the external environment of enterprises is complex and changeable, which brings great challenges to the development of small and medium-sized enterprises. As the survival lifeline of small and medium-sized enterprises, capital has become the bottleneck restricting the further development, and the state has also issued a series of policies to help them broaden the financing channels. Banks, as providers of funds, should respond positively to national policies and seek new profit growth points for their own development. The financial service of small and medium-sized enterprises contains enormous business opportunities and has a broad prospect of development. In recent years, the commercial banks have also attached importance to it, so the study of the credit service strategy of small and medium-sized enterprises has an important realistic background. This paper chooses the Shaanxi Branch of JS Bank, a large commercial bank, as the research object, and explains the significance of the research by analyzing the changes of the external competitive environment of the banks and the support of the state for the financing of small and medium-sized enterprises. This paper summarizes the research status of SMEs' financing at home and abroad, and analyzes the influencing factors of SMEs' credit financing. On this basis, this paper introduces the present situation of the credit service for small and medium-sized enterprises in Shaanxi Branch of JS Bank, analyzes the characteristics of customer demand, summarizes the advantages, disadvantages, opportunities and threats of developing the credit service of small and medium-sized enterprises, and points out the existing problems. It mainly includes insufficient product innovation, low efficiency of process, lack of pertinence of marketing, imperfect credit rating and hidden danger of risk prevention and so on. Aiming at these problems, this paper puts forward some measures for improvement: optimizing the existing product system and increasing the innovation of new products, designing the products with regional characteristics by means of joint loan protection and government support, adjusting the examination and approval mode, and so on. Standardize lending process and loan management; implement batch marketing, do a good job of cluster marketing, customer selection, product allocation, improve marketing efficiency and reduce costs; developed a credit rating system. Finally, from the organization, the personnel and the risk and so on aspect proposed the safeguard measure. Taking the product of the joint loan as an example, the paper illustrates the status of the operation and the results achieved. The results of this paper can guide JS Bank Shaanxi Branch to define the credit business orientation of small and medium-sized enterprises and to formulate targeted products and service measures. At the same time for other commercial banks SMEs credit business also has reference value.
【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】：F832.4;F276.3

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