民生银行小微金融创新研究

发布时间：2018-03-20 05:39

本文选题：小微金融　切入点：民生银行　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：小微金融(Microfinance)主要是指专门向小型和微型小企业及中低收入的小微企业等提供小额度的可持续的金融产品和服务的活动。一般贷款额度比较小,没有传统的抵押品,是国际公认的一种成功的扶贫方式和帮助小微企业融资的方式。1976年,Yunus教授提出孟加拉乡村银行(Grameen Bank,格莱珉银行)的构想,这是小微金融的起源。近十年来,小微金融在我国快速发展,目前其服务对象主要是中小微企业。近年来,中小微企业在国民经济中的作用越来越重要,为我国国民生产总值的提高发挥了巨大的作用,同时承担了吸纳就业的职能,同时还能释放自身的创造力,不断为我国科技事业的发展贡献自己的力量。它们在创造GDP、提供就业岗位、技术创新、配置资源效率等方面的作用甚至超过大型企业。但是,在我国市场经济改革与建设的进程中,中小微企业一直是弱势群体,受多种内外部因素影响,其发展面临多重约束,在政策资源、市场资源的配置过程中一直未得到公平待遇,潜力未能得到最大程度的发挥。根据全国工商联盟的数据可以看出,对于大多数的小型企业而言,他们同金融机构基本上没有借贷关系的存在,这样的企业总数量占到了90%,而同样的情况,对于小微型企业而且,更是达到了95%。同他们为社会创造出的总价值而言,其得到的金融资源则显得较少。这种局面,不但阻碍了以中小微企业为代表的民营经济的发展,更重要的是大大降低了经济发展的效率。民生银行作为我国首家全面开展小微金融服务的全国性股份制商业银行,做了大量的探索,缓解了中小微企业融资矛盾。但是,与中小微企业的客观需求相比,还存在很大的差距,进一步创新的空间还很大。因此,本文以市场细分理论、产品差异化理论和金融创新理论为基础,从股份制商业银行自身的角度出发,以民生银行为例,运用重点案例调查法、定性分析方法与对比分析法、微观研究与宏观研究相结合的方法,根据中小微企业的经营特点、资金需求特征,深入分析我国小微金融的发展现状和创新情况,并在分析民生银行小微金融创新动力和制约因素的基础上,提出了大中型股份制商业银行开展小微金融服务的有效模式和配套环境,以期拓宽中小微企业融通资金的渠道,进一步帮助中小微企业解决诸多难题。
[Abstract]:Microfinance Microfinance refers primarily to activities that provide small amounts of sustainable financial products and services to small and microenterprises, such as small and medium-sized enterprises and small, low- and middle-income enterprises. Generally, the amount of credit is relatively small and there is no traditional collateral. In 1976, Professor Yunus presented the idea of Grameen Banken (Grameen Bankbank, Grameen Bank, Bangladesh), which was the origin of microfinance. In recent years, the role of small and medium-sized enterprises in the national economy has become more and more important, which has played a huge role in the increase of China's gross national product. At the same time, they take on the function of absorbing employment, and at the same time, they can release their own creativity and contribute their own strength to the development of our country's scientific and technological undertakings. They are creating GDPs, providing jobs, technological innovation, However, in the process of the reform and construction of market economy in our country, small and medium-sized enterprises have always been a vulnerable group, affected by many internal and external factors, their development is faced with multiple constraints. The allocation of policy resources and market resources has not been treated fairly and the potential has not been maximized. According to the data from the National Alliance for Industry and Commerce, for most small businesses, They have basically no lending relationship with financial institutions, and the total number of such enterprises is 90, and in the same way, for small and micro enterprises, it's 95 percent. And for the total value they create for society, This situation not only hinders the development of private economy, which is represented by small and medium-sized enterprises. More importantly, it has greatly reduced the efficiency of economic development. Minsheng Bank, as the first national joint-stock commercial bank in China to carry out comprehensive small and micro financial services, has made a lot of exploration and alleviated the financing contradiction between small and medium-sized enterprises. Compared with the objective demand of small and medium-sized enterprises, there is still a big gap and great space for further innovation. Therefore, this paper bases on the theory of market segmentation, the theory of product differentiation and the theory of financial innovation. From the point of view of joint-stock commercial banks, taking Minsheng Bank as an example, using the key case investigation method, qualitative analysis method and comparative analysis method, the combination of micro research and macro research, according to the management characteristics of small and medium-sized enterprises, On the basis of analyzing the current situation and innovation of micro-finance in China, and analyzing the motive force and restrictive factors of micro-finance innovation in Minsheng Bank, This paper puts forward an effective mode and supporting environment for large and medium-sized joint-stock commercial banks to carry out small and micro financial services in order to widen the channels of financing for medium and small enterprises and further help them to solve many difficult problems.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.33

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