商业银行小微金融服务研究：信货工厂视角

发布时间：2018-10-17 18:14

【摘要】：改革开放以来,我国中小企业发展迅猛,为繁荣市场和扩大就业作出了巨大贡献。但是,中小企业由于财务信息制度不健全、经营业绩不稳定等原因,面临难以从银行融资的困境。近年来,在利率市场化的背景下,商业银行为增强竞争优势,开始积极开辟中小企业信贷这一蓝海领域。“信贷工厂”是指以流水线方式批量处理中小企业的信贷业务,结合国际商业银行流程再造的成功经验,“信贷工厂”这一新型中小企业信贷业务模式逐渐被商业银行认可,并陆续引入国内商业银行。本文结合商业银行现有“信贷工厂”模式的引入情况,试图分析该模式在我国解决中小企业信贷业务问题的实际效果,通过对不同类型商业银行的“信贷工厂”效率进行总结评价,为未来商业银行对此模式的发展提出政策建议。本文先是梳理银行规模与中小企业融资的关系、银行流程再造和“信贷工厂”模式的理论研究,为详细分析“信贷工厂”模式的产生发展、业务流程特点做好铺垫。随后分析了不同类型商业银行运作“信贷工厂”的实践案例,比较研究不同规模银行采用该模式的差异和效果。紧接着引入银行结构变量对“信贷工厂”的运行效率进行实证检验,其中包括业务效率分析和控制效率分析。通过运用比较分析、案例分析和实证分析,本文得出有关“信贷工厂”效率的结论有：(1)“信贷工厂”模式对国内商业银行而言整体有效,从业务效率看,该模式能够有效提高我国商业银行的中小企业信贷业务比重,从风险控制效率看,该模式能够从整体层面上有效控制中小企业信贷业务可能引致的风险；(2)引入“信贷工厂”模式对大银行而言更具价值,尤其体现在信贷风险控制方面；(3)不同类型商业银行在运行“信贷工厂”模式时呈现差异化。总而言之,本文通过对“信贷工厂”模式的经验总结和实证分析,认为该模式对不同规模的商业银行所产生的效率不同,故今后不同类型的商业银行对此模式的运作应有所调整和侧重。
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have developed rapidly and made great contributions to the prosperity of the market and the expansion of employment. However, because of the imperfect financial information system and unstable operating performance, SMEs are facing difficulties in financing from banks. In recent years, under the background of interest rate marketization, commercial banks, in order to enhance their competitive advantage, began to actively open up the blue sea area of SME credit. "Credit factory" means to deal with the credit business of small and medium-sized enterprises in batches by assembly line. Combined with the successful experience of international commercial bank process reengineering, "credit factory", a new type of SME credit business model, is gradually recognized by commercial banks. And the introduction of domestic commercial banks. Combined with the introduction of the existing "credit factory" model in commercial banks, this paper attempts to analyze the practical effect of the model in solving the credit business problems of small and medium-sized enterprises in China. By summarizing and evaluating the efficiency of "credit factory" of different types of commercial banks, this paper puts forward some policy suggestions for the development of this model in the future. This paper firstly combs the relationship between bank scale and SME financing, the theoretical study of bank process reengineering and "credit factory" model, and lays the groundwork for the detailed analysis of the emergence and development of "credit factory" model and the characteristics of business process. Then, the paper analyzes the practical cases of different types of commercial banks operating "credit factories", and compares the differences and effects of using this model in different scale banks. Then the bank structure variable is introduced to test the operation efficiency of "credit factory", including business efficiency analysis and control efficiency analysis. By using comparative analysis, case analysis and empirical analysis, this paper draws some conclusions about the efficiency of "credit factory": (1) the model of "credit factory" is effective for domestic commercial banks as a whole, and from the perspective of business efficiency, This model can effectively increase the proportion of SME credit business in commercial banks of our country. From the view of risk control efficiency, the model can effectively control the risk caused by SMEs credit business from the overall level; (2) introducing the "credit factory" model is more valuable to the big banks, especially in the aspect of credit risk control; (3) the different types of commercial banks are different when they run the "credit factory" model. In a word, through the experience summary and empirical analysis of the "credit factory" model, it is concluded that the efficiency of this model is different for commercial banks of different sizes. Therefore, the operation of this model should be adjusted and emphasized by different types of commercial banks in the future.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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