工行杭州城西支行小企业信贷业务发展策略研究

发布时间：2018-01-07 16:31

本文关键词：工行杭州城西支行小企业信贷业务发展策略研究　出处：《哈尔滨理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：浙江省杭州市是我国民营经济先发之地,民营经济是促进该地区经济发展的重要因素和强劲动力。统计显示,2013年浙江省小企业综合景气指数排名全国第二。然而浙江省小企业生产经营面临的矛盾和问题也较为突出,其中融资问题是最普遍和关键的障碍因素。实践中,商业银行仍是小企业信贷资金的主要提供者,但目前商业银行的信贷客户结构仍不均衡,银行间同质化竞争严重,对小企业群体的信贷服务效果不佳。中国工商银行杭州城西支行作为国有大型银行下属的基层支行,是中国工商银行设立的小企业服务专营机构。城西支行如若要实现自身可持续发展,则要力图发展小企业信贷业务。本文试图从商业银行破除小企业融资难问题出发,根据城西支行自身特点,思考如何进一步优化对支行所在区域内小企业的信贷服务策略,加快对小企业信贷投放。过去对小企业融资难问题的研究多以大力发展小型商业银行的小企业融资为出发点。本文则从大型商业银行基层支行角度出发,研究和分析大型商业银行基层支行作为小企业专营机构如何发展小企业融资业务；如何在银行间服务日趋同质化的背景下,发挥自身优势,拓宽服务小企业市场的方式和渠道。本文首先分析研究国内外小企业难以向商业银行申请融资的相关理论,再对银行小企业融资难的现状进行分析；其次结合工商银行杭州城西支行目前小企业信贷现状,借鉴国外大型银行发展经验,对商业银行目前实际存在的问题进行分析和总结；然后提出城西支行对区域内小企业市场进行细分管理的建议,探寻城西支行服务小企业信贷发展的新策略,不断优化自身流程管理,积极开展业务创新,促进支行发展战略转型升级。
[Abstract]:Hangzhou City of Zhejiang Province is the first place for the development of private economy in China. Private economy is an important factor and strong driving force to promote the economic development in this area. In 2013, Zhejiang Province ranked second in the comprehensive prosperity index of small enterprises in China. However, the contradictions and problems faced by small enterprises in Zhejiang Province are also prominent. The financing problem is the most common and key obstacle factor. In practice, commercial banks are still the main providers of credit funds for small enterprises, but the credit customer structure of commercial banks is still uneven. The homogeneous competition among banks is very serious, and the effect of credit services to small business groups is not good. Industrial and Commercial Bank of China Hangzhou West Branch is the basic branch of state-owned large banks. China Industrial and Commercial Bank of China set up a small business service franchisees. If the west branch of the city to achieve its own sustainable development. We should try to develop the small enterprise credit business. This paper tries to break down the financing difficulties of small enterprises from commercial banks, according to the characteristics of the western branch of the city. Consider how to further optimize the credit service strategy for small enterprises in the sub-branch area. In the past, most of the research on the financing difficulties of small enterprises is based on the development of small business financing of small commercial banks. This paper starts from the perspective of grass-roots branches of large commercial banks. To study and analyze how to develop the financing business of small enterprises by the basic branch of large commercial banks as a franchise of small enterprises; How to give play to their own advantages under the background of the increasingly homogenization of interbank services. Firstly, this paper analyzes and studies the relevant theories that small enterprises at home and abroad are difficult to apply for financing from commercial banks, and then analyzes the current situation of financing difficulties of small enterprises in banks. Secondly, combining with the current credit situation of small enterprises in Hangzhou West Branch of ICBC, and drawing on the development experience of foreign large banks, this paper analyzes and summarizes the problems existing in commercial banks at present. Then put forward the proposal of subdivision and management of the small enterprise market in the region, explore the new strategy of the West Branch to service the small enterprise credit development, constantly optimize its own process management, and actively carry out business innovation. Promote strategic transformation and upgrading of branch development.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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