青铜峡市农村信用合作联社小微企业信贷业务发展策略研究

发布时间：2018-02-26 01:12

本文关键词： 青铜峡市农村信用合作联社小微企业信贷业务发展策略　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：党的十八届三中全会《决定》明确表示,要“增强并提高小微企业的创新意识与能力”、“加强对小微企业的扶持”。小微企业,是我国经济增长的重要推动力,近三年数据显示对我国GDP的贡献度均在60%以上,已成为促进国民经济发展与建设的强大助推器,在繁荣市场、推进技术创新、提供就业机会等方面发挥着重要作用;与此同时,小微企业凭借着自身灵活的运作体制、良好的适应能力为推动我国经济转型、结构调整做出了巨大贡献,不过融资难、贷款难一直是制约小微企业发展的主要因素。近几年,从政府到银行对如何解决这一问题进行了一系列探索和研究,但始终没有从根本上解决这一矛盾问题。另一方面,银行解决小微企业融资问题可以促进银行的发展,为银行生存发展带来活力和更大的市场。青铜峡市农村信用合作联社(下文统一简称青铜峡联社)是一家农村的中小型金融机构,在当地颇具影响力,并且在当地小微企业金融服务领域占有一定市场份额。本文以青铜峡联社为案例,以青铜峡联社小微企业信贷业务为研究对象,首先对青铜峡联社当前面临的各方面竞争进行了分析,提出持续发展小微企业信贷业务的重要性和抢占该市场的紧迫性;其次,通过运用SWOT分析,剖析青铜峡联社发展小微企业信贷业务的优势、劣势、机遇和威胁,制定青铜峡联社小微企业信贷业务发展策略,比如目标市场策略、产品策略、风险策略等,最后为保障小微企业信贷业务发展策略的有效实施,从机构设置、经营理念、绩效考核体系、流程建设、人才队伍建设等方面为青铜峡联社的小微企业信贷业务发展提出了具有建设性的意见和建议。
[Abstract]:The "decision" of the third Plenary session of the 18 CPC Central Committee clearly stated that it is necessary to "enhance and improve the innovative consciousness and ability of small and micro enterprises" and "strengthen the support for small and micro enterprises." small and micro enterprises are an important driving force for China's economic growth. The data of the past three years show that the contribution to GDP of our country is above 60%, and has become a powerful booster to promote the development and construction of national economy, which plays an important role in flourishing the market, promoting technological innovation, providing employment opportunities, etc. At the same time, With their flexible operating system and good adaptability, small and micro enterprises have made great contributions to promoting the economic transformation and structural adjustment of our country. However, the difficulty of financing and loans have been the main factors restricting the development of small and micro enterprises in recent years. From the government to the bank, a series of exploration and research on how to solve this problem have been carried out, but the contradiction has not been solved fundamentally. On the other hand, the bank can promote the development of the bank by solving the financing problem of small and micro enterprises. The Rural Credit Cooperation Association of Qingtongxia City (hereinafter referred to as Qingtongxia Association) is a small and medium-sized financial institution in rural areas with considerable influence in the local area. This paper takes Qingtongxia Association as an example, and takes the small and micro enterprise credit business of Qingtongxia Association as the research object. Firstly, this paper analyzes the competition in various aspects of Qingtongxia Association, and points out the importance of sustainable development of credit business of small and micro enterprises and the urgency of seizing the market. Secondly, through the use of SWOT analysis, To analyze the strengths, weaknesses, opportunities and threats of Qingtongxia Alliance in developing the credit business of small and micro enterprises, and to formulate the development strategy of the small and micro enterprise credit business of Qingtongxia Association, such as target market strategy, product strategy, risk strategy, etc. Finally, in order to ensure the effective implementation of small and micro enterprise credit business development strategy, from the establishment of institutions, business philosophy, performance appraisal system, process construction, Some constructive suggestions are put forward for the development of credit business of small and micro enterprises of Qingtongxia Association.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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