MS银行上海分行小微金融产品服务优化分析

发布时间：2018-04-12 19:53

本文选题：小微金融 + 产品服务　；参考：《南昌大学》2017年硕士论文

【摘要】：我国金融市场竞争日益白热化,考虑到商业银行的金融产品同质化现象严重,客户的个性化金融需求越来越多,创新金融产品服务和打造“全系列”金融产品是商业银行特别是区域商业银行的发展方向。21世纪以来,伴随着我国电子商务活动特别是互联网金融的飞速发展,小微金融所针对的客户服务对象日益凸显出规模人群大、服务门槛低的特点;小微客户也愈发成为未来投资的四大主力客户之一,他们是未来经济发展的依仗群体。渠道扁平化与微利营销则是小微金融企业未来发展的必然趋势,小微客户群已成为我国经济增长的“第四利润源”。同时伴随着小微金融市场的日益壮大,小微企业融资难,“P2P”等新的服务类型和监管难题等新问题也逐渐被提上议程,成为商业银行创新金融产品,开拓业务“蓝海”所面临的新困难,随着技术的发展,线下金融企业和纯互联网金融企业的激烈竞争在客户关怀维度也考验活动类型的质量与效果,而线下金融部门和线上金融部门目标客户替代与重合则考验着活动效率的此消彼长的状态。小微金融是金融公司服务于小微企业这种特殊群体,并为他们活动提供特定产品和特定服务的过程。如何更好的提升企业服务品质,寻找新的获利增长点是小微金融产品设计的出发点和落脚点。本文依托现有主要产业政策,在分析目标对象小微金融活动质量同时,尝试对小微企业金融服务的等级进行行业评定,从而形成较规范化的行业标准;从MS银行小微金融服务的现有优势和障碍分析过程得出产品设计思路和产品服务的功能优化,并以具体的金融产品案例和服务流程做法进行现场分析,同时对小微金融产品活动所涉风险进行发掘和如何防范提出具体建议,并结合企业所在城市现实状况提出发展小微金融服务业的对策思路。通过全文分析,本文得出的基本结论有如下观点:一是目前我国特别是发达城市小微金融服务水平已从“数量式”发展过渡到了“内涵式”发展阶段;二是不同金融机构对小微金融产品的多层嵌套事实上已使得风险控制呈现“隐藏性”特点,这对不同体量的金融机构防范风险提出了新的挑战;三是MS银行小微金融产品发展存在客户类型不全面、盈利不稳定,这需要特定部门重塑组织架构和人力资源安排,同时部门的信息共享和互通是拓展业务利润稳定来源的关键。
[Abstract]:The competition in our financial market is becoming more and more intense. Considering the phenomenon of homogenization of financial products of commercial banks, customers' individualized financial needs are becoming more and more.Since the 21st century, the development direction of commercial banks, especially regional commercial banks, has been accompanied by the rapid development of e-commerce activities, especially Internet finance, in China.The customer service target of microfinance increasingly highlights the characteristics of large scale people and low service threshold. Small and micro customers have become one of the four main customers of future investment and they are the dependant group of the future economic development.Channel flattening and micro-profit marketing are the inevitable trend of the future development of micro-finance enterprises, and small customers have become the "fourth profit source" of our country's economic growth.At the same time, with the growing of the small and micro financial market, the financing of small and micro enterprises is difficult, "P2P" and other new service types and regulatory problems have gradually been put on the agenda, and become commercial banks innovative financial products.With the development of technology, the fierce competition between offline financial enterprises and pure Internet financial enterprises also tests the quality and effect of activity types in the dimension of customer care.Off-line financial sector and online financial sector target customer substitution and coincidence are testing the efficiency of activity one by one.Microfinance is the process by which financial companies serve a special group of small and micro enterprises and provide specific products and services for their activities.How to better improve the service quality of enterprises and find new profit growth point is the starting point and foothold of microfinancial product design.Based on the existing industrial policies, this paper tries to evaluate the financial service level of small and micro enterprises in order to form a more standardized industry standard by analyzing the quality of the small and micro financial activities of the target object at the same time.From the current advantage and obstacle analysis process of MS bank's small and micro financial service, the product design idea and the function optimization of product service are obtained, and the field analysis is carried out with specific financial product case and service flow method.At the same time, this paper explores the risks involved in the activities of microfinancial products and puts forward some specific suggestions on how to prevent them, and puts forward some countermeasures for the development of microfinancial service industry in light of the actual situation of the cities where the enterprises are located.Through the analysis of the full text, the basic conclusions of this paper are as follows: firstly, at present, the level of small and micro financial services in China, especially in the developed cities, has changed from the "quantitative" development to the "connotative" development stage;Second, the multi-layer nesting of small and micro financial products by different financial institutions has in fact made the risk control "hidden", which puts forward a new challenge for different financial institutions to prevent risks;Thirdly, the development of MS bank microfinancial products is characterized by incomplete customer types and unstable profits, which requires a special department to reshape its organizational structure and human resources arrangement. Meanwhile, information sharing and interoperability are the key to expand the steady source of business profits.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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