工商银行七台河分行中小企业贷款业务发展策略研究
发布时间：2018-10-24 20:17
【摘要】：随着政府鼓励大众创业,企业贷款业务正在逐渐增多,尤其在地市级城市,贷款业务的主体正在由大中型企业向中小型企业过渡。作为贷款业务的资金提供方,如何有效快速并含有一定保障措施的进行企业贷款业务,已经成为重点关注的对象。本研究的着眼点为资源型城市的企业贷款业务,由原来的大型国有企业逐渐转变为中小型企业,运用SWOT分析法,对现有企业贷款业务的外部环境的机遇与挑战、内部优势与劣势进行了基本分析,指出现有中小型企业具有的规模小、资金需求小、企业信用低和融资渠道单一等特点,同时银行内部虽然现今在中小企业贷款上属于领先地位,但由于黑龙江产业结构单一,人才流失十分严重,对未来继续扩大中小企业贷款业务的可能性产生了一定影响。在此基础上,针对银行出现的内部人员建设不足,内部机制不完善,以及外部环境问题进行了简要剖析。提出了对于银行企业贷款业务的总体思路,并相应的提出了几点创新策略。在本研究的最后,对于七台河市工商银行企业贷款业务的保障措施上,分别从内部机制、人力资源、创新发展和内外部合作四个方面提出了建议。本研究对七台河市工商银行中小企业贷款业务中存在的问题进行了剖析,并在此基础上给出解决策略。同时,七台河市处在资源型城市正在转型的阶段中,在工商银行对中小企业的贷款方面,这对于国内其他相类似的城市以及银行具有一定的借鉴意义。
[Abstract]:As the government encourages the masses to start a business, the enterprise loan business is increasing gradually, especially in the prefectural city, the main body of the loan business is transitioning from the large and medium-sized enterprises to the small and medium-sized enterprises. As the fund provider of loan business, how to carry on the enterprise loan business effectively, quickly and with certain safeguard measures has become the focus of attention. This study focuses on the enterprise loan business in resource-based cities, from the original large state-owned enterprises to small and medium-sized enterprises. Using SWOT analysis, the external environment of the existing enterprise loan business opportunities and challenges. This paper analyzes the internal advantages and disadvantages, and points out that the existing small and medium-sized enterprises have the characteristics of small scale, small capital demand, low enterprise credit and single financing channel, etc. At the same time, although the bank is in the leading position in SME loan at present, due to the single industrial structure of Heilongjiang Province, the brain drain is very serious, which has a certain impact on the possibility of further expanding the loan business of SMEs in the future. On this basis, this paper briefly analyzes the problems of the internal staff construction, the imperfect internal mechanism and the external environment of the bank. This paper puts forward the general idea of the loan business of the bank enterprise, and puts forward some innovative strategies accordingly. At the end of this study, some suggestions are put forward from four aspects: internal mechanism, human resources, innovation and development, and internal and external cooperation on the guarantee measures of enterprise loan business of Qitaihe Industrial and Commercial Bank. This paper analyzes the problems existing in the SME loan business of Qitaihe Industrial and Commercial Bank, and puts forward the solving strategies. At the same time, Qitaihe City is in the stage of transformation of resource-based cities, which has certain reference significance for other similar cities and banks in China in the aspect of ICBC loans to small and medium-sized enterprises.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3;F275
本文编号：2292441
[Abstract]:As the government encourages the masses to start a business, the enterprise loan business is increasing gradually, especially in the prefectural city, the main body of the loan business is transitioning from the large and medium-sized enterprises to the small and medium-sized enterprises. As the fund provider of loan business, how to carry on the enterprise loan business effectively, quickly and with certain safeguard measures has become the focus of attention. This study focuses on the enterprise loan business in resource-based cities, from the original large state-owned enterprises to small and medium-sized enterprises. Using SWOT analysis, the external environment of the existing enterprise loan business opportunities and challenges. This paper analyzes the internal advantages and disadvantages, and points out that the existing small and medium-sized enterprises have the characteristics of small scale, small capital demand, low enterprise credit and single financing channel, etc. At the same time, although the bank is in the leading position in SME loan at present, due to the single industrial structure of Heilongjiang Province, the brain drain is very serious, which has a certain impact on the possibility of further expanding the loan business of SMEs in the future. On this basis, this paper briefly analyzes the problems of the internal staff construction, the imperfect internal mechanism and the external environment of the bank. This paper puts forward the general idea of the loan business of the bank enterprise, and puts forward some innovative strategies accordingly. At the end of this study, some suggestions are put forward from four aspects: internal mechanism, human resources, innovation and development, and internal and external cooperation on the guarantee measures of enterprise loan business of Qitaihe Industrial and Commercial Bank. This paper analyzes the problems existing in the SME loan business of Qitaihe Industrial and Commercial Bank, and puts forward the solving strategies. At the same time, Qitaihe City is in the stage of transformation of resource-based cities, which has certain reference significance for other similar cities and banks in China in the aspect of ICBC loans to small and medium-sized enterprises.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3;F275
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