G银行昆明分行面对小微企业的金融服务提升研究

发布时间：2018-11-15 16:03

【摘要】：改革开放以来,云南小微企业的发展非常迅速,规模也越来越大,已经成为促进云南省国民经济增长的一股重要的力量。随之,云南的小微企业对企业资金和一些金融服务的需求量也随之增强。然而,相对于大型企业而言,小微企业缺乏系统的报表和抵押物,导致云南地区其它一些金融机构对小微企业的融资风险考虑再三,望而止步。本论文结合工作中的实践,根据融资理论、以及G银行昆明分行小微企业融资业务的现状和特点进行分析,并结合云南地区小微企业的实际情况,找出G银行昆明分行在小微企业融资业务的开展中存在的问题,并探寻进一步的服务策略。确保使G银行昆明分行在小微企业资金周转服务方面取得更大的进步,使小微企业在社会上也发挥一定的作用,可以活跃市场的氛围、带动市场需求、维持社会安定、提高就业率等等。本文分六个部分。第一部分是绪论部分；第二部分是相关理论概述；第三部分是小微企业融资现状和G银行昆明分行融资服务现状分析,通过对G银行昆明分行小微企业融资服务现状的全面分析,总结出小微企业的服务流程服务质量,以及相应的服务对象。第四部分是G银行昆明分行开展小微企业融资服务问题及成因分析,找出融资服务中存在的问题,并针对各项问题逐一分析原因。第五部分是G银行昆明分行关于如何开展小微企业资金周转服务方面提出的战略,更是为小微企业更有效、更迅速地提出可行性的融资服务措施。主要通过客户经理团队建设、市场营销、提高信贷风险管控能力、转变经营理念,创新产品模式等四个方面进行论述。第六部分是结论部分。
[Abstract]:Since the reform and opening up, the development of Yunnan small and micro enterprises is very rapid, and the scale is becoming larger and larger, which has become an important force to promote the growth of the national economy of Yunnan Province. As a result, the demand for corporate capital and some financial services from small and micro enterprises in Yunnan also increased. However, compared with large enterprises, small and micro enterprises lack systematic statements and collateral, which leads some other financial institutions in Yunnan to think twice about the financing risk of small and micro enterprises and hope to stop. According to the theory of financing and the present situation and characteristics of the financing business in Kunming Branch of G Bank, this paper combines the practice of the work, and the actual situation of the small and micro enterprises in Yunnan. This paper finds out the problems existing in the development of financing business of small and micro enterprises in Kunming Branch of G Bank, and probes into further service strategies. To ensure that the Kunming Branch of G Bank can make greater progress in the area of capital turnover services for small and micro enterprises, and that small and micro enterprises can also play a certain role in society, which can enliven the atmosphere of the market, stimulate market demand, and maintain social stability, Increase the employment rate, etc. This paper is divided into six parts. The first part is the introduction part, the second part is the related theory overview; The third part is the current situation of small and micro enterprise financing and G bank Kunming Branch financing service situation analysis, through the G bank Kunming branch of small and micro enterprise financing service situation of a comprehensive analysis, summed up the service flow service quality of small and micro enterprises. And the corresponding service object. The fourth part is the analysis of the problems and causes of financing service of small and micro enterprises in Kunming Branch of G Bank, and find out the existing problems in the financing service, and analyze the reasons one by one in view of each problem. The fifth part is the strategy put forward by Kunming Branch of G Bank on how to carry out the capital turnover service of small and micro enterprises, which is more effective and more rapid to put forward the feasible financing service measures for small and micro enterprises. Mainly through the customer manager team building, marketing, improving the ability of credit risk management, changing business philosophy, innovative product model. The sixth part is the conclusion.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4;F276.3

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