枣庄农村商业银行小微贷业务管理模式研究

发布时间：2018-05-13 20:46

本文选题：农村商业银行 + 小微贷　；参考：《华北电力大学(北京)》2017年硕士论文

【摘要】：“小微贷业务”主要是指商业银行面向个体工商户、小微企业及业主等特定人群发放的短周期、小额信贷业务。“小微贷”是当前发展普惠金融的热点产品,现已成为农村商业银行发展普惠金融,服务“三农”,改善民生的新型业务模式,为农村商业银行的可持续发展探索出一条行之有效的路径。小微贷业务的大力发展虽然促进了小微企业的发展,活跃了小微经济,但是在实际运营过程中小微贷业务存在客户对象信用条件差、素质不高、国家支持力度小、市场环境复杂、管理模式搭建不清晰等问题。因此,分析农村商业银行发展小微贷业务的必要性和可行性,以及小微贷业务运营过程中所面临的问题,对小微贷业务的健康发展以及更好的服务大众具有重要的实践意义,同时为农村商业银行的可持续发展提供了有效途径。本文首先介绍了枣庄农村商业银行的发展历程和经营现状,就目前枣庄农商银行出现的经营困境进行了深入剖析,提出适应枣庄农村商业银行业务发展的新模式,即小微贷业务管理模式。然后,介绍小微贷业务的特点和优势,及其在国内外发展的现状,并对枣庄农商银行发展小微贷业务的必要性和可行性进行了探讨。并从六个方面,即小微贷业务的需求、小微贷业务的产品、小微贷业务的定价、小微贷业务的营销、小微贷业务的流程及小微贷业务的人力资源构建等来阐述小微贷业务管理模式的构建。然后对小微贷业务的风险管理和财务管理两方面进行了重点剖析。最后以枣庄地区某副食品牌代理商为例介绍了目前枣庄农村商业银行小微贷业务管理模式运行的状况。
[Abstract]:"small micro-loan business" mainly refers to commercial banks for individual industrial and commercial households, small and micro enterprises and owners and other specific groups of people issued a short period, microfinance business. "small micro-loan" is a hot product in the current development of inclusive finance. It has become a new business model for rural commercial banks to develop inclusive finance, serve the "three rural areas, farmers" and improve people's livelihood. To explore an effective path for the sustainable development of rural commercial banks. Although the vigorous development of small and micro loan business has promoted the development of small and micro enterprises and activated the small and micro economy, in the actual operation process, the small micro loan business has poor customer credit conditions, low quality and low state support. The market environment is complex, the management pattern is not clear and so on. Therefore, it is of great practical significance to analyze the necessity and feasibility of the development of small and micro loan business in rural commercial banks, as well as the problems faced in the operation of small and micro loan business, which is of great practical significance to the healthy development of small and micro loan business and better service to the public. At the same time, it provides an effective way for the sustainable development of rural commercial banks. Firstly, this paper introduces the development course and management status of Zaozhuang Rural Commercial Bank, analyzes the management predicament of Zaozhuang Rural Commercial Bank, and puts forward a new mode to adapt to the development of Zaozhuang Rural Commercial Bank. That is small micro-loan business management model. Then, this paper introduces the characteristics and advantages of micro-loan business, and the present situation of its development at home and abroad, and discusses the necessity and feasibility of developing small micro-loan business in Zaozhuang Agricultural and Commercial Bank. And from six aspects, that is, the demand of the small micro-loan business, the products of the small micro-loan business, the pricing of the small micro-loan business, the marketing of the small micro-loan business, The process of small micro loan business and the human resource construction of small micro loan business are discussed to illustrate the construction of small micro loan business management mode. Then the risk management and financial management of micro-loan business are analyzed. Finally, taking a non-staple food brand agent in Zaozhuang area as an example, the paper introduces the running situation of the small micro-loan business management mode of Zaozhuang Rural Commercial Bank.
【学位授予单位】：华北电力大学(北京)
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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