G行南宁分行小微企业贷款业务调研报告

发布时间：2018-07-22 15:33

【摘要】：随着我国经济的发展,中小企业在促进国民经济发展、丰富市场经济活力、吸收大量城乡就业等许多方面起着越来越重要的作用。但是相对的,中小企业因为其规模小财务制度不健全等原因,一直以来很难获得与其经济贡献相匹配的金融支持,中小企业的融资缺口严重影响着其发展壮大。银行方面,随着业内竞争的日趋激烈,不少银行开始将注意力转移到市场潜力巨大的中小企业甚至小微企业贷款业务之上,以求开拓新的稳定的利润增长点。 G行南宁分行的小微贷业务创新地应用供应链金融理论,开展集群营销业务,创新的将在散户情况下企业规模小、财务制度不健全等原因造成的信息不对称问题放置在集群营销中解决,利用在集群背景下软信息收集便利解决因信息不对称造成的小微企业贷款难问题。本文以G行南宁分行小微企业贷款业务为研究对象,通过实地实习、访谈,问卷调查等方式,并结合相关文献,分析研究G行南宁分行小微企业贷款业务的优缺点,并针对其业务开展过程中具体存在的问题进行分析,提出了以下改进措施,一是扩大小微业务范围,逐步降低业务借鉴程度；二是标准化风险控制措施,探索建立“信贷工厂”业务模式；三是加强客户经理队伍建设,进行系统性人才培养；四是加深市场开发层次,探索建立专业化支行。希望这些改进措施和发展意见能对后续研究以及该行未来发展有微薄助益。
[Abstract]:With the development of China's economy, small and medium-sized enterprises play a more and more important role in promoting the development of national economy, enriching the vitality of market economy, absorbing a large number of urban and rural employment and so on. However, because of its small scale financial system is not perfect, it has been difficult for SMEs to obtain financial support matching with their economic contribution. The financing gap of SMEs seriously affects their development and growth. On the banking side, with the increasingly fierce competition in the industry, many banks have begun to turn their attention to the lending business of small and medium-sized enterprises or even small and micro enterprises with great market potential. In order to open up a new stable profit growth point, G Bank Nanning Branch's small micro-loan business innovatively applies the theory of supply chain finance to develop the cluster marketing business, and the innovative business will be small in the case of individual investors. The problem of information asymmetry caused by imperfect financial system is solved in cluster marketing, and the problem of small and micro enterprise loan caused by information asymmetry is solved by using soft information collection in the context of cluster. This paper takes the loan business of small and micro enterprises in Nanning Branch of G Bank as the research object, analyzes the advantages and disadvantages of the loan business of small and micro enterprises in Nanning Branch by means of field practice, interview, questionnaire, and other relevant documents. Based on the analysis of the specific problems in the process of business development, the following improvement measures are put forward, one is to expand the scope of small and micro business and gradually reduce the business reference level, the other is to standardize the risk control measures, To explore the establishment of "credit factory" business model; third, to strengthen the construction of customer managers, to carry out systematic personnel training; fourth, to deepen the level of market development, and to explore the establishment of specialized branches. It is hoped that these improvements and development advice will be of little help to the follow-up study and to the future development of the bank.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

【参考文献】