宁夏银行小微企业信贷业务发展策略研究

发布时间：2018-03-04 23:20

  本文选题：小微企业　切入点：宁夏银行　出处：《宁夏大学》2014年硕士论文　论文类型：学位论文

【摘要】：2014年,中国经济正处于结构调整的阵痛期,经济下行的压力依然较大。但随着经济结构的调整,宏观政策环境的改善,中国企业也迎来了发展的重要机遇。工信部于2011年6月18日颁布实施的《关于印发中小企业划型标准规定的通知》中对中小微企业进行了明确划定,符合这一标准的小微企业在我们身边普遍存在。他们作为国民经济的重要组成部分,对拉动经济增长,繁荣区域经济,扩大社会就业,缩小了城乡差距,推进和谐社会建设具有重要意义,是推动国家经济发展的重要新兴力量。 小微企业的发展一直受到政府和社会各方广泛关注。促进中小企业和小微企业的发展是国民经济发展和战略转型、结构调整的重大举措,从中央到地方、从政府到企业、从财税部门到商业银行已经取得了广泛共识,为中小和小微企业发展的创造了良好的外部环境。国家先后出台了《中华人民共和国中小企业促进法》,《国务院关于进一步促进中小企业发展的若干意见》(国发(2009)36号)等法规,多管齐下支持小微企业,全方位减轻税收负担。 小微企业信贷业务一直是宁夏银行业务的重要组成部分。宁夏银行坚持服务小微企业,加大信贷资源的配置力度,坚定不移地把小微企业作为主要服务对象和信贷支持的重点。2009年底,经银监会批准,宁夏银行率先成立了自治区首家小微企业贷款专营机构——小企业信贷中心。此外,宁夏银行还大力推行特色化、门市化经营模式,依据地域、行业和专业市场等特点,分别成立了“灵武羊绒贷款中心”、“中宁枸杞贷款中心”等8个金融服务中心。宁夏银行小微企业贷款(含个人经营性贷款)市场占比一直位居宁夏地区金融机构榜首,连续四年实现“小微企业贷款增速不低于全部贷款平均增速,增量高于上年同期水平”的目标。作为一家致力于服务区域经济,具有鲜明的经营特色和影响力的地方性商业银行,在兼顾风险和收益的前提下,敏锐地把握小微企业信贷市场蕴藏的巨大商机,应发挥区域优势,进一步扩大小微企业信贷业务的市场份额,促进其小微贷业务的可持续发展。
[Abstract]:In 2014, the Chinese economy was in a painful period of structural adjustment, and the downward pressure on the economy remained high. But with the adjustment of the economic structure, the macroeconomic policy environment improved. Chinese enterprises have also ushered in an important opportunity for development. The circular issued by the Ministry of Industry and Information Technology on issuing and issuing the Standard provisions for small and Medium-sized Enterprises in June 18th 2011 clearly delineated the small and medium-sized enterprises. As an important part of the national economy, they have contributed to stimulating economic growth, prospering the regional economy, expanding social employment, and narrowing the gap between urban and rural areas. It is of great significance to promote the construction of a harmonious society and is an important emerging force to promote the national economic development. Promoting the development of small and medium-sized enterprises and small and micro enterprises is a major measure of national economic development and strategic transformation and structural adjustment, from the central to the local, from the government to the enterprises. From the financial and taxation departments to commercial banks, there has been broad consensus. The State has successively promulgated the Law of the people's Republic of China on the Promotion of small and Medium-sized Enterprises, and the State Council's views on further promoting the Development of small and Medium-sized Enterprises (No. 36 of the State Council). A multi-pronged approach to support small and micro enterprises, all-round tax burden relief. The credit business of small and micro enterprises has always been an important part of the business of Ningxia Bank. Ningxia Bank insists on serving small and micro enterprises and increasing the allocation of credit resources. Steadfastly regard small and micro enterprises as the main target of service and the focus of credit support. At the end of 2009, with the approval of the CBRC, Ningxia Bank took the lead in establishing the autonomous region's first small and micro enterprise lending monopoly, the small Enterprise Credit Center. The Ningxia Bank has also vigorously implemented a special and market-oriented business model, based on the characteristics of the region, industry and professional market. Eight financial service centers, including the Lingwu Cashmere loan Center and the Zhongning Lycium loan Center, have been set up. The market for small and micro-enterprise loans (including personal operating loans) of Ningxia Bank has always topped the list of financial institutions in Ningxia. For the fourth consecutive year, we have achieved the goal of "the growth rate of loans for small and micro enterprises is no less than the average growth rate of all loans, and the increase is higher than that of the same period last year." as a company dedicated to serving the regional economy, Local commercial banks with distinctive operating characteristics and influence should, on the premise of taking into account risks and benefits, have a keen grasp of the enormous business opportunities contained in the credit market of small and micro enterprises, and should give full play to their regional advantages. Further expand the market share of small and micro-enterprise credit business, promote its small micro-loan business sustainable development.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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