民生银行小微企业信贷业务发展策略研究

发布时间：2018-04-28 17:46

本文选题：银行 + 信贷业务　；参考：《广东财经大学》2014年硕士论文

【摘要】：小微企业，作为我国社会经济发展的中坚力量，在为许多地区创造生产总值的同时也为社会提供了大量的就业机会，自改革开放后，小微企业在我国经济结构中所占比重不断增大，经济地位也在不断地提升，政府有关部门也越来越重视小企业的融资问题，但目前小微企业的金融服务需求却依旧未能得到充分的满足。本文首先阐述了现阶段小微企业所面临的社会环境，从金融结构层面、社会经济层面、管理层面等角度对我国商业银行发展小微信贷业务的状况进行理论性分析，多方面分析小微企业“融资难”的困境及其成因，认为主要是规模小、资产结构单一、公司管理制度不健全、信用等级低等现实情况造成了小微企业融资困难。文章通过对民生银行小微企业信贷业务这一战略业务的发展现状的分析，提出了其对小微银行信贷业务中存在的融资成本高、信息不对称、担保方式不健全、成本和收益不匹配等问题，然后对民生银行成功发展小微企业信贷业务的概况和产品信息进行研究，，分析其破解小微企业信贷发展难具体做法——降低相关成本，推行产品组合，采用多种方式实行担保，进行战略转型等，以及实施业务达到的实际效果，探究有利于打破小微企业融资困境的模式，有利于推动我国社会经济健康稳定的发展，本文所研究的中国民生银行的相关具体做法，对其他银行小微企业信贷业务发展提供了参考和借鉴。
[Abstract]:Small and micro enterprises, as the backbone of our country's social and economic development, have not only created the gross domestic product for many regions but also provided a large number of employment opportunities for the society. Since the beginning of the reform and opening up to the outside world, The proportion of small and micro enterprises in the economic structure of our country is constantly increasing, and the economic status is also constantly rising. The government departments concerned are also paying more and more attention to the financing problem of small enterprises. But at present, the financial service demand of small and micro enterprises is still not fully satisfied. This paper first expounds the social environment that small and micro enterprises are facing at the present stage. From the aspects of financial structure, social economy, management and so on, this paper makes a theoretical analysis on the development of small and micro credit business in commercial banks of our country. This paper analyzes the difficulties in financing of small and micro enterprises from many aspects, and points out that the difficulties in financing are mainly caused by small scale, single asset structure, imperfect management system, low credit rating, and so on. Based on the analysis of the present situation of the development of Minsheng Bank's small and micro enterprise credit business, the paper points out that the financing cost is high, the information is asymmetric, and the guarantee method is not perfect in the small and micro bank credit business. Then the paper studies the general situation and product information of Minsheng Bank's successful development of small and micro enterprise credit business, and analyzes how to solve the problem of small and micro enterprise credit development-to reduce the related costs. Promoting product portfolios, implementing guarantees in a variety of ways, undertaking strategic transformation, and implementing practical business results, exploring models that help break the financing dilemma of small and micro enterprises, In order to promote the healthy and stable development of China's social economy, this paper studies the specific practices of Minsheng Bank of China, which provides a reference for the development of credit business of other banks' small and micro enterprises.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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