商业银行小微金融服务业务模式研究

发布时间：2018-05-15 23:07

本文选题：商业银行 + 小微金融　；参考：《华中师范大学》2017年硕士论文

【摘要】：随着中国经济的持续增长和经济转型的推进,小微企业在我国经济中的重要性日益提高。但一直以来,小微企业由于自身及外部原因,较难得到商业银行的金融服务。目前,由于国家政策的导向,也为了在利率市场化和金融脱媒的挑战下成功转型,商业银行已经注意到小微企业的融资需求,开始努力拓展小微金融业务。但是,小微企业融资需求的特殊性对商业银行的小微金融服务模式提出了挑战。自2008年小微金融概念提出以来,各家银行纷纷转型,加快推出小微贷款产品,对小微业务机构进行调整,设立小微金融专营机构,并不断创新小微金融业务模式,形成了各式小微金融业务模式。本课题首先在分析了我国小微企业融资需求特征和商业银行金融服务之间存在矛盾的基础上,指明了商业银行小微金融服务缺失的原因。接着对我国商业银行几种典型的小微金融业务模式进行了详细介绍和剖析,包括互联网金融下商业银行小微金融服务的新模式。同时,对我国不同类型商业银行开展小微金融的比较优势和各自主要业务产品做了比较分析,并介绍了一些国外银行开展小微金融服务的成功经验。最后对我国商业银行创新小微金融业务模式,提升小微金融服务水平提出相应的对策建议。
[Abstract]:With the continuous growth of China's economy and the promotion of economic transformation, the importance of small and micro enterprises in China's economy is increasing day by day. However, it has been difficult for small and micro enterprises to obtain the financial services of commercial banks because of their own and external reasons. At present, due to the guidance of national policy and the successful transformation under the challenge of interest rate marketization and financial disintermediation, commercial banks have paid attention to the financing needs of small and micro enterprises and started to expand their small and micro finance business. However, the particularity of the financing needs of small and micro enterprises challenges the small and micro financial service model of commercial banks. Since the introduction of the Microfinance concept in 2008, banks have transformed themselves to accelerate the introduction of microlending products, restructure microfinancial institutions, set up micro-finance franchisees, and continuously innovate the microfinance business model. Formed a variety of small and micro-finance business model. Based on the analysis of the contradiction between the characteristics of financing needs of small and micro enterprises in China and the financial services of commercial banks, this paper points out the reasons for the lack of small and micro financial services in commercial banks. Then several typical small and micro financial business models of commercial banks in China are introduced and analyzed in detail, including the new model of small and micro financial services of commercial banks under Internet finance. At the same time, this paper makes a comparative analysis of the comparative advantages of different types of commercial banks in China and their main business products, and introduces the successful experiences of some foreign banks in carrying out small and micro finance services. Finally, it puts forward the corresponding countermeasures and suggestions to the commercial banks of our country to innovate the small and micro financial business model and to improve the level of the small and micro finance service.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

【参考文献】