卓信金控小微信贷管理研究

发布时间：2018-03-03 11:10

本文选题：小微企业　切入点：卓业贷　出处：《沈阳大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着金融改革的不断深入,非银行金融机构获得了巨大的发展空间,逐步成为了商业银行的重要补充,成为了国家金融行业中举足轻重的角色。十八大以来,李克强总理大力鼓励发展民间资本运作,开展普惠金融,鼓励创办民间非银行金融机构,引入民间资本推动中小微企业资金运作。我国的非银行金融机构最重要的盈利业务即贷款业务,由于我国目前融资体系较为单一,从金融机构获取贷款融资几乎成为了多数企业的唯一大额债务资金来源,极大程度的决定了企业的生死存亡,同时也是中国经济发展的原动力以及经济调控的有力抓手。然而,小微企业的贷款难、融资贵问题非常突出,如何突破小微企业贷款难的瓶颈问题一直是社会经济良性发展的重要课题。本论文从宏观和微观两个角度出发,运用经济学和金融学的相关理论对卓信金控集团面向小微企业的信贷政策的现状以及未来发展趋势进行深入剖析,并利用SWOT分析法详细分析卓信金控及卓信金控信贷产品“卓业贷”在面向小微企业的信贷支持政策和创新金融产品的优势与不足,提出适合卓信金控贷款发展的有效策略。本文经过研究认为卓信金控的“卓业贷”产品由于从设计初期便坚持以服务小微企业为宗旨,因此在小微企业信贷市场的竞争中取得了先机。但同时经研究也发现,“卓业贷”并非是专门为小微企业设计的信贷产品,因此,存在着模式陈旧、便捷性差等一系列问题。通过SWOT分析文章还提出了相应的未来发展策略,同时也参考了国内国际各方面的经验提出了经过创新与改进的新的经营模式。
[Abstract]:With the deepening of financial reform, non-bank financial institutions have gained a huge space for development, which has gradually become an important supplement to commercial banks and a pivotal role in the national financial industry. Since the 18 National Congress, Premier Li Keqiang strongly encouraged the development of private capital operations, the development of inclusive finance, and the establishment of non-governmental non-bank financial institutions. Private capital is introduced to promote the capital operation of small and medium-sized enterprises. The most important profitable business of non-bank financial institutions in China is the loan business, because the financing system of our country is relatively single at present. Obtaining loan financing from financial institutions has almost become the only major source of debt financing for most enterprises, which to a great extent determines the life and death of enterprises, and is also the driving force of China's economic development and the power of economic regulation and control. However, The problem of financing is very prominent. How to break through the bottleneck of small and micro enterprise loan is always an important issue in the benign development of social economy. By using the relevant theories of economics and finance, the present situation and future development trend of credit policy for small and micro enterprises in Zhuo Xin Jin Control Group are deeply analyzed. The advantages and disadvantages of Zhuo Xin Jin control and Zhuo Xin Jin control credit products "Zhuoye loan" in the credit support policy for small and micro enterprises and innovative financial products are analyzed in detail by using SWOT analysis method. This paper proposes an effective strategy for the development of Zhuo Xin Jin controlled loan. Through the research, this paper considers that Zhuo Xin Jin control's "Zhuoye loan" products adhere to the aim of serving small and micro enterprises since the beginning of the design. Therefore, in the competition of the credit market of small and micro enterprises, we got the first chance. But at the same time, the study also found that "Zhuoye loan" is not a credit product specially designed for small and micro enterprises, so there is an old model. A series of problems such as poor convenience and so on. Through the analysis of SWOT, the paper also puts forward the corresponding future development strategy, and at the same time, it also puts forward a new business model through innovation and improvement, referring to the experience of domestic and international aspects.
【学位授予单位】：沈阳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【相似文献】