X银行小微企业金融业务发展战略研究

发布时间：2018-06-17 00:35

本文选题：X银行 + 商业银行　；参考：《西南交通大学》2014年硕士论文

【摘要】：随着利率市场化改革、金融脱媒和新技术运用等给传统商业银行经营带来的机遇和挑战,小微企业金融业务以其庞大的市场需求、高利差收益和低资本占用,越来越受到国内银行的普遍亲睐。国内外学者都对小微企业金融业务问题进行了既有广度又有深度的研究,认为信息不对称、小微企业管理不规范、金融制度和结构滞后、信用担保体系不健全以及政府行为都是导致小微企业金融业务难以开展的原因,针对这些问题,国内学者也提出了适用于实践的政策建议。但现有文献大都立足于政府对小微企业的支持、担保体系和金融服务体系构建等方面的作用,并没有研究作为小微企业金融业务的实施主体商业银行的重要性。本文将从X银行的角度出发研究我国的小微企业金融业务问题,这对于全面了解小微企业金融业务,促进我国小微企业金融业务的创新及可持续性发展都很有意义。本文的研究,对其他商业银行在小微企业金融业务的未来发展,也具有一定的借鉴与参考意义。本文根据国内外金融行业历年来对小微企业金融业务的研究与实践,运用比较成型的战略管理论以及相关的分析方法,分析了X银行小微企业金融业务的外部、内部环境,总结出了X银行小微企业金融业务面临的机遇、威胁以及内部的优势、劣势,采用SWOT分析模型,分析得出了X银行小微企业金融业务可以采取的战略,而后结合x银行的实力以及x银行小微企业金融业务的战略发展目标,提出了x银行小微企业金融业务的具体战略实施方案。
[Abstract]:With the interest rate marketization reform, financial disintermediation and the application of new technology bring opportunities and challenges to the operation of traditional commercial banks, the financial business of small and micro enterprises has its huge market demand, high interest rate difference income and low capital occupation. More and more popular among domestic banks. Scholars both at home and abroad have carried out both breadth and depth research on the financial business of small and micro enterprises. They think that information asymmetry, non-standard management of small and micro enterprises, financial system and structure lag behind. The imperfect credit guarantee system and the government behavior are the reasons why the financial business of small and micro enterprises is difficult to carry out. In view of these problems, domestic scholars have also put forward some policy suggestions suitable for practice. However, most of the existing literatures are based on the support of the government to the small and micro enterprises, the role of the guarantee system and the construction of the financial service system, and there is no research on the importance of the commercial banks as the main implementing body of the financial business of the small and micro enterprises. This paper will study the financial business of small and micro enterprises in China from the angle of X bank, which is of great significance to understand the financial business of small and micro enterprises and to promote the innovation and sustainable development of financial business of small and micro enterprises in our country. The research in this paper has some reference significance for the future development of other commercial banks in the small and micro enterprise financial business. Based on the research and practice of financial business of small and micro enterprises at home and abroad over the years, this paper analyzes the external and internal environment of financial business of small and micro enterprises in X Bank by using the relatively formed strategic management theory and related analysis methods. This paper summarizes the opportunities, threats, internal advantages and disadvantages faced by the small and micro enterprises of X Bank. The SWOT analysis model is used to analyze the strategies that can be adopted in the financial business of the small and micro enterprises of X Bank. Then combining the strength of X bank and the strategic development goal of financial business of small and micro enterprise of x bank, the paper puts forward the specific strategic implementation plan of financial business of small and micro enterprise of x bank.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

【相似文献】