PF银行长春分行小微企业信贷相关问题研究

发布时间：2019-04-02 20:01

【摘要】：本文以PF银行长春分行小微企业信贷业务为研究对象,首先阐述了研究背景、研究意义和小微企业信贷业务的相关理论;然后结合PF银行长春分行基本情况,重点阐述PF银行长春分行发展小微企业信贷业务的必然性;以及PF银行长春分行小微企业信贷业务的现状;总结PF银行长春分行小微企业信贷业务存在的问题主要有:其专业化运营程度不高、风险管控能力较低、创新性金融产品不足、贷款审批操作不规范以及信贷风险管理不规范;同时从PF银行长春分行、小微企业和其他方面三个角度分析PF银行长春分行小微企业信贷业务存在问题的原因。针对PF银行长春分行小微企业信贷业务所存在的问题,本文提出如下的解决对策:首先,提高PF银行长春分行小微企业信贷专业化运营水平;其次,提升PF银行长春分行针对小微企业的风险管控能力;第三,增加PF银行长春分行小微企业金融产品的创新能力;第四,完善PF银行长春分行针对小微企业的信贷审批流程;第五,加强PF银行长春分行小微企业信贷风险控制与管理。本文的研究过程及结论对PF银行长春分行小微企业信贷业务的发展具有一定的参考作用,结合相关理论知识和实际情况,提出科学的解决对策,对于促进PF银行长春分行小微企业信贷业务的持续健康发展具有重要的现实意义。
[Abstract]:This paper takes the small and micro enterprise credit business of PF Bank Changchun Branch as the research object. Firstly, it expounds the research background, the significance of the research and the related theory of the small micro enterprise credit business. Then, combining with the basic situation of PF Bank Changchun Branch, this paper focuses on the inevitability of PF Bank Changchun Branch developing small and micro-enterprise credit business, as well as the current situation of PF Bank Changchun Branch small and Micro-enterprise credit business. This paper summarizes the problems existing in the credit business of small and micro-enterprises in Changchun Branch of PF Bank: the degree of professional operation is not high, the ability of risk control is low, the innovative financial products are insufficient, the operation of loan approval is not standardized and the management of credit risk is not standardized. At the same time from the PF Bank Changchun Branch, small and micro-enterprises and other aspects of the three aspects of the PF Bank Changchun Branch of small and micro-enterprise credit business problems. In view of the problems existing in the small and micro-enterprise credit business of PF Bank Changchun Branch, this paper puts forward the following solutions: firstly, to improve the professional operation level of small and micro-enterprise credit of PF Bank Changchun Branch; Secondly, to enhance the risk control ability of PF Bank Changchun Branch for small and micro-enterprises; third, to increase the innovation ability of small and micro-enterprise financial products of PF Bank Changchun Branch; Fourth, improve the PF bank Changchun branch for small and micro-enterprise credit approval process; fifth, strengthen PF bank Changchun branch small and micro-enterprise credit risk control and management. The research process and conclusion of this paper can be used as a reference for the development of small and micro-enterprise credit business of PF Bank Changchun Branch. Combined with the relevant theoretical knowledge and practical situation, the scientific solutions are put forward. It is of great practical significance to promote the sustainable and healthy development of small and micro-enterprise credit business of PF Bank Changchun Branch.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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