“邯银微贷”批量化作业金融产品设计
发布时间：2018-12-18 11:40
【摘要】：随着我国市场经济体制的进一步完善以及国家政策的鼓励,小微企业作为一支后起之秀,近年来无论在数量上还是在质量上都有了很大提高,在我国市场经济中发挥的作用也越来越大,成为了我国经济结构的一个重要组成部分。但是长久以来,一方面小微企业由于发展的需要有着很强的金融服务需求,另一方面却由于自身规模小、资产少、担保弱等特点又很难从正规金融机构贷到资金,即使能够贷到资金,也往往要付出比大中型企业高出几倍的利息成本和更加繁琐严苛的审批手续,这就使得很多利润率不高和对资金需求急切的小微企业对银行贷款望而却步。从商业银行的角度来说,传统小微信贷技术由于贷款金额小,成本高,收益难以覆盖风险而不具备可持续性。因此,小微企业融资难问题成为近年来普遍关注的焦点问题,尤其是金融危机爆发以来,我国宏观经济面临下行压力,对外贸易疲软,劳动力成本及原材料成本却持续上涨,小微企业普遍面临资金短缺的困境。与此同时,随着我国金融市场改革的不断深入和金融脱媒趋势的不断加强,我国银行业传统市场利润空间日益收缩,只能纷纷将渠道下沉,小微企业逐渐成为各家商业银行角逐的主战场,探索适合自身情况、可持续发展的小微信贷技术成为当前商业银行亟待解决的问题。 在这场新的战场上,城商行发挥自身优势,利用自身决策链条短、贴近小微企业的特点,纷纷发力,开发出针对小微企业的微贷业务模式和创新产品。目前在微贷实际业务当中主要有两种操作模式,一种是一对一的单户营销模式,另一种是商业银行亟待探讨和建立的批量化开发模式。前者操作模式在微贷业务开始初期对于客户经理的锻炼和营销终端的建立都是必要的,但随着业务规模的扩大,该操作模式成本高、效率低等弊端大大限制了微贷业务的进一步做大做强。所以,批量化操作成为具备一定微贷业务基础的城商行一致选择,也是微贷业务未来发展的趋势。 邯郸银行自2011年初与德国IPC公司就小微贷款进行项目合作以来,两年多的时间取得了很大的成绩,随着业务的逐渐增多以及团队规模的日益增大,一对一的传统作业模式已经不能满足当前的业务需求,在已经培养出一批专业技能成熟的客户经理,建立起一定的品牌知名度和拥有大量小微终端客户之后,邯郸银行微贷业务批量化作业的条件已经初步具备,在此基础之上,设计与批量化作业相适应的金融产品就成为邯郸银行微贷中心目前亟待解决的问题。本文的选题目的就是将相关微贷业务理论与邯郸银行微贷业务实际情况相结合,设计出适合邯郸银行自身情况的可批量化作业微贷金融创新产品,以期提高邯郸银行微贷业务的市场竞争力和经济效益,为广大小微客户提供更加便捷和成本更低的金融服务,同时对区域性中小城商行微贷业务相关理论完善也是一种有益探索。
[Abstract]:With the further improvement of the market economic system of our country and the encouragement of the national policy, the small micro-enterprises as a post-start show, in recent years have been greatly improved in quantity or in quality, and the role of the small-scale enterprises in the market economy of our country is becoming more and more important, It has become an important part of our country's economic structure. But for a long time, on the one hand, the small micro-enterprise has a strong financial service demand due to the need of development, and on the other hand it is difficult to loan from the formal financial institution to the fund because of its small size, small assets, weak guarantee, etc., even if the fund can be lent, It is also often necessary to pay more interest costs and more onerous approval procedures than large and medium-sized enterprises, which makes a lot of profit margins high and small micro-enterprises that are eager for capital need to be prohibitive for bank loans. From the perspective of commercial banks, the traditional small-micro-credit technology is not sustainable because the loan amount is small, the cost is high, and the income is difficult to cover the risk. Therefore, the difficulty of the financing of the small-sized enterprises has become the focus of the general attention in recent years, especially since the financial crisis, the macro-economy of our country faces downward pressure, the foreign trade is weak, the labor cost and the raw material cost continue to rise, Small and micro-enterprises generally face the plight of the shortage of funds. At the same time, with the deepening of the reform of the financial market in our country and the strengthening of the trend of the financial demergence, the profit space of the traditional Chinese banking market is shrinking, and the channel can only be sunk, and the small micro-enterprise gradually becomes the main battlefield for every commercial bank to compete. The small micro-credit technology, which is suitable for its own situation and sustainable development, has become an urgent problem to be solved in the current commercial bank. In this new field, the city business has its own advantages, its own decision-making chain is short, close to the characteristics of the small micro-enterprise, the force is developed, and the micro-loan business model and the innovative production for the small micro-enterprise are developed. At present, there are two modes of operation in the actual business of the micro-loan, one is one-to-one single-account marketing mode, and the other is the batch development model that the commercial bank needs to explore and establish. The former mode of operation is necessary for the exercise of the account manager and the establishment of the marketing terminal at the beginning of the beginning of the micro-loan business, but with the expansion of the business scale, the cost of the operation mode is high and the efficiency is low, so that the micro-loan business can be further It is also the trend of the future development of the micro-loan business. As business grows and the size of the team grows, one-to-one traditional mode of operation has not been able to meet the current industry After a number of professional and mature customer managers have been developed and a certain brand awareness and a large number of small micro-terminal customers have been established, the conditions for the batch operation of the micro-loan business of the Bank of China have been preliminarily provided, On the basis of the above, the design and batch operation of the financial products will become the micro-loan center of the Bank of China. The purpose of this paper is to combine the theory of the relevant micro-loan business with the actual situation of the micro-loan business of the Bank of China, and to design the micro-loan financial innovation product which is suitable for the self-condition of the Bank of China, with a view to improving the market competitiveness of the micro-loan business of the Bank of China and the market economy. It also provides a more convenient and cost-effective financial service for the small and medium-sized micro-customers, and the theory of the micro-loan business of the small and medium-sized and small-sized enterprises is also a kind of financial service.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2385797
[Abstract]:With the further improvement of the market economic system of our country and the encouragement of the national policy, the small micro-enterprises as a post-start show, in recent years have been greatly improved in quantity or in quality, and the role of the small-scale enterprises in the market economy of our country is becoming more and more important, It has become an important part of our country's economic structure. But for a long time, on the one hand, the small micro-enterprise has a strong financial service demand due to the need of development, and on the other hand it is difficult to loan from the formal financial institution to the fund because of its small size, small assets, weak guarantee, etc., even if the fund can be lent, It is also often necessary to pay more interest costs and more onerous approval procedures than large and medium-sized enterprises, which makes a lot of profit margins high and small micro-enterprises that are eager for capital need to be prohibitive for bank loans. From the perspective of commercial banks, the traditional small-micro-credit technology is not sustainable because the loan amount is small, the cost is high, and the income is difficult to cover the risk. Therefore, the difficulty of the financing of the small-sized enterprises has become the focus of the general attention in recent years, especially since the financial crisis, the macro-economy of our country faces downward pressure, the foreign trade is weak, the labor cost and the raw material cost continue to rise, Small and micro-enterprises generally face the plight of the shortage of funds. At the same time, with the deepening of the reform of the financial market in our country and the strengthening of the trend of the financial demergence, the profit space of the traditional Chinese banking market is shrinking, and the channel can only be sunk, and the small micro-enterprise gradually becomes the main battlefield for every commercial bank to compete. The small micro-credit technology, which is suitable for its own situation and sustainable development, has become an urgent problem to be solved in the current commercial bank. In this new field, the city business has its own advantages, its own decision-making chain is short, close to the characteristics of the small micro-enterprise, the force is developed, and the micro-loan business model and the innovative production for the small micro-enterprise are developed. At present, there are two modes of operation in the actual business of the micro-loan, one is one-to-one single-account marketing mode, and the other is the batch development model that the commercial bank needs to explore and establish. The former mode of operation is necessary for the exercise of the account manager and the establishment of the marketing terminal at the beginning of the beginning of the micro-loan business, but with the expansion of the business scale, the cost of the operation mode is high and the efficiency is low, so that the micro-loan business can be further It is also the trend of the future development of the micro-loan business. As business grows and the size of the team grows, one-to-one traditional mode of operation has not been able to meet the current industry After a number of professional and mature customer managers have been developed and a certain brand awareness and a large number of small micro-terminal customers have been established, the conditions for the batch operation of the micro-loan business of the Bank of China have been preliminarily provided, On the basis of the above, the design and batch operation of the financial products will become the micro-loan center of the Bank of China. The purpose of this paper is to combine the theory of the relevant micro-loan business with the actual situation of the micro-loan business of the Bank of China, and to design the micro-loan financial innovation product which is suitable for the self-condition of the Bank of China, with a view to improving the market competitiveness of the micro-loan business of the Bank of China and the market economy. It also provides a more convenient and cost-effective financial service for the small and medium-sized micro-customers, and the theory of the micro-loan business of the small and medium-sized and small-sized enterprises is also a kind of financial service.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
【参考文献】
相关期刊论文 前1条
1 华卫国;刘鹤智;周亮;;南京商业银行中小企业贷款定价研究[J];时代金融;2009年12期
，本文编号：2385797
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