中信银行小微企业融资服务案例分析

发布时间：2018-07-23 14:52

【摘要】：当前国家通过运用财政、税收、金融等经济手段，希望引导小微企业能够得到健康发展，但现实中小微企业发展最为迫切的融资难题依然处于突破前的探索阶段，，未能获得彻底解决。商业银行作为经济社会发展中最直接的融资主体，理应承担起这份社会责任，为小微企业发展给予更多的支持和帮助，但出于企业规范程度、贷款资金风险和服务观念的原因，商业银行往往将小微企业融资拒之门外。本文从小微企业融资需求出发，通过从小微企业、商业银行、国家扶持政策等方面寻找分析融资困境成因，以商业银行作为破解小微企业融资难题的主体，分析提出商业银行在融资方式转变、经营方式调整和内部结构优化等方面，对改善小微企业融资服务的具体措施。并以此作为理论指导和经验支持，由中信银行广州分行对广州华林玉器商圈开展小微企业融资服务调研，本中对调研背景、调研方法、调研实施所涉商圈基本情况、商圈专业市场商户特点、经营方式、融资习惯等分别给予了详细介绍，利用实践调查中取得的经验数据和掌握到的小微融资服务发展经验教训，为中信银行广州分行更好推动发展小微企业融资业务，改善服务质量提供了借鉴意义。中信银行广州分行当前在小微企业融资方面，虽然一直保持较快增长，贷款质量亦较为良好，但在业务发展上仍存在地区发展不均衡、产品丰富度与市场竞争力不足、营销体系组织架构不科学、专职团队和人员考核不完善等诸多不足。文中最后，结合前文探讨改善小微企业融资的具体措施和在广州华林玉器商圈调研中取得的经验成果，分别从控制小微企业融资风险、降低小微融资成本、提高小微融资银行收益三个方面，提出中信银行广州分行发展小微企业融资服务的建议。
[Abstract]:At present, through the use of financial, tax, financial and other economic means, the country hopes to guide the small and micro enterprises to get healthy development, but in reality, the most urgent financing problem for the development of small and micro enterprises is still in the exploration stage before the breakthrough. There is no definitive solution. As the most direct financing subject in the economic and social development, commercial banks should assume this social responsibility and give more support and help to the development of small and micro enterprises. Commercial banks tend to shut out small-and-micro-enterprise financing. Starting from the financing needs of small and micro enterprises, this paper analyzes the causes of financing difficulties from the aspects of small and micro enterprises, commercial banks and state support policies, and takes commercial banks as the main body to solve the financing problems of small and micro enterprises. This paper analyzes and puts forward some concrete measures to improve the financing service of small and micro enterprises in the aspects of the change of financing mode, the adjustment of management mode and the optimization of internal structure of commercial banks. With this as theoretical guidance and empirical support, the Guangzhou Branch of CITIC Bank conducted a survey on the financing services of small and micro enterprises in Guangzhou's Hualin Jade Business District. In this paper, the research background, research methods, and the basic situation of the business circles involved in the investigation and implementation are given. The characteristics, business methods and financing habits of the specialized market in the business district are introduced in detail, and the experience data obtained from the practical investigation and the experience and lessons learned in the development of micro-financing services are used. It provides a reference for CITIC Bank Guangzhou Branch to promote the development of small and micro enterprise financing business and improve the service quality. Although the Guangzhou Branch of CITIC Bank has maintained a relatively rapid growth in financing for small and micro enterprises and the quality of loans has been relatively good, there are still regional imbalances in business development, and the product richness and market competitiveness are insufficient. Marketing system organizational structure is not scientific, full-time team and personnel assessment is not perfect and many other deficiencies. Finally, combined with the previous discussion on the specific measures to improve the financing of small and micro enterprises and the empirical results obtained in the investigation of Guangzhou Hualin Jade Market, respectively, from controlling the financing risk of small and micro enterprises and reducing the cost of small and micro financing, In order to improve the profit of micro-financing bank, the paper puts forward the suggestion of developing financing service of small and micro-enterprise in Guangzhou branch of CITIC bank.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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