黑龙江省邮储银行小企业贷款发展策略研究

发布时间：2018-05-14 01:07

本文选题：邮储银行 + 小企业　；参考：《哈尔滨工程大学》2014年硕士论文

【摘要】：改革开发以后,我国小企业得到了快速发展,尤其是20世纪90年代以后,小企业的发展更加迅速。在小企业的发展过程中,不可避免地遇到了资金问题,需要各类金融机构支持。黑龙江省邮储银行成立于2007年12月27日,是中国邮政储蓄银行黑龙江省分支机构。在小企业蓬勃发展的今天,研究如何发展小企业贷款的策略,具有重要意义。本文从国内外小企业贷款的研究现状入手,介绍了当前国内外小企业贷款的研究热点,然后通过对邮储银行小企业贷款发展现状进行分析,总结了小企业在经济发展中的重要作用,同时介绍了黑龙江省邮储银行小企业贷款的现有产品,通过对小企业发展的竞争环境进行分析,总结出小企业贷款发展的竞争条件。并在后面总结了黑龙江省邮储银行小企业贷款过程中存在的问题。最后,本文提出了发展黑龙江邮储银行小企业贷款业务需要进行的策略,包括改变经营策略,提高市场占有率,保证资金安全,对贷款小企业进行选择,利用信用评级提高审批效率,扩大抵押物范围等等,通过这些策略,可以保证黑龙江邮储银行在小企业贷款方面有好的收益和效果。
[Abstract]:After the reform and development, the small enterprises in our country have been developing rapidly, especially after the 1990s. In the development of small enterprises, they inevitably encounter financial problems and need the support of all kinds of financial institutions. Heilongjiang Province Postal savings Bank was established on December 27, 2007, is the branch of China Postal savings Bank Heilongjiang Province. With the rapid development of small enterprises, it is of great significance to study how to develop the loan strategy of small enterprises. This paper starts with the research status of small enterprise loan at home and abroad, introduces the research hotspot of small enterprise loan at home and abroad, and then analyzes the development status of small enterprise loan in Postal savings Bank. This paper summarizes the important role of small enterprises in economic development, and introduces the existing products of small enterprises loan of Heilongjiang Postal savings Bank. By analyzing the competitive environment of the development of small enterprises, the competitive conditions of loan development of small enterprises are summarized. In the end, it summarizes the problems existing in the process of small enterprise loan of Heilongjiang Postal savings Bank. Finally, the paper puts forward the strategies to develop the loan business of small enterprises in Heilongjiang Postal savings Bank, including changing the management strategy, increasing the market share, ensuring the safety of funds, and choosing the loan small enterprises. Using credit rating to improve the efficiency of approval and expand the scope of collateral and so on, through these strategies, we can ensure that Heilongjiang Postal savings Bank has good income and effect in small business loans.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F618.3

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