商业银行中小企业贷款外包研究

发布时间：2018-01-04 01:27

本文关键词：商业银行中小企业贷款外包研究　出处：《云南财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：金融服务外包是外包产业的重要组成部分，近年来，随着我国银行业、保险业等金融主体业务的不断变化，服务外包领域不断开放且迅猛发展。20世纪90年代，我国银行业开始涉足外包，从早期的IT系统外包，逐渐延伸至信用卡外包、ATM外包、人力资源外包，直至最近的贷款外包。外包已成为提高效率、改善企业流程，优化企业结构的的必然选择。一直以来，中小企业都存在融资难、贷款难的现象，从商业银行角度分析，主要是由于商业银行对中小企业提供贷款服务的成本高，风险大，为解决这种困境，只有通过对银行贷款业务流程的优化来改变。目前，最主要的解决方法就是外包。通过外包，不仅可以利用服务供应商的优势弥补银行自身内部资源不足，降低经营成本，还可以更好地控制银行风险，提升服务水平，，并且通过对贷款业务流程的重新设计获得更高的商业价值。商业银行将中小企业贷款外包成为适合银行持续发展的新思路，不仅积极响应了国家扶持中小企业的政策，帮助中小企业持续健康发展，也为商业银行另觅出新的发展道路，可谓是一举数得。本文通过理论论述和定性分析，对当前新型的商业银行中小企业贷款外包展开研究。首先对商业银行中小企业贷款外包的产生背景，研究目的和意义作了介绍；其次对商业银行中小企业贷款外包的概念、特点、发展动因及发展现状进行阐述；再次从价值链理论的角度出发，对商业银行中小企业贷款流程分析，并依据核心竞争力理论和交易费用理论，对中小企业贷款外包环节进行分析，并结合已有商业银行与第三方机构的具体实践合作进行了分类探讨；最后对商业银行中小企业贷款外包的风险和防范提出建议。由于当前国内关于贷款外包的文献资料较少，商业银行中小企业贷款外包也属于新兴金融创新，具体实践也刚刚兴起，因此，本文的研究角度比较新颖，对于已经展开或即将展开的贷款外包银行有一定的参考性，增强了实用性。
[Abstract]:Financial service outsourcing is an important part of outsourcing industry. In recent years, with the banking, insurance and other financial main business changes. In 90s, China's banking industry began to set foot in outsourcing, from the early IT system outsourcing to credit card outsourcing and ATM outsourcing. Outsourcing of human resources, until recently, has become an inevitable choice for improving efficiency, improving enterprise flow and optimizing enterprise structure. From the perspective of commercial banks, it is mainly due to the high cost and high risk of commercial banks to provide loan services to SMEs. In order to solve this dilemma, only through the optimization of the bank loan business process to change. At present, the most important solution is outsourcing. Not only can we make use of the advantages of service providers to make up for the lack of internal resources of banks, reduce operating costs, but also better control the risks of banks, improve the level of services. And through the re-design of the loan business process to obtain higher commercial value. Commercial banks will be suitable for small and medium-sized enterprises to outsource loans for the sustainable development of the new thinking. It not only responds positively to the government's policy of supporting small and medium-sized enterprises, helps them to develop healthily and sustainably, but also finds a new way for commercial banks to develop. Through theoretical discussion and qualitative analysis, this paper studies the new type of SME loan outsourcing in commercial banks. Firstly, the background of SME loan outsourcing in commercial banks is introduced. The purpose and significance of the research are introduced. Secondly, the concept, characteristics, development motivation and current situation of loan outsourcing for small and medium-sized enterprises in commercial banks are expounded. Thirdly, from the perspective of value chain theory, this paper analyzes the SME loan process of commercial banks, and analyzes the SME loan outsourcing process based on the core competitiveness theory and transaction cost theory. Combined with the practical cooperation between commercial banks and third party institutions, the paper discusses the classification of the existing commercial banks. Finally, the paper puts forward some suggestions on the risk and prevention of loan outsourcing of small and medium-sized enterprises in commercial banks. Due to the lack of domestic literature on loan outsourcing, commercial banks SMEs loan outsourcing is also a new financial innovation, the specific practice has just arisen, therefore, the research angle of this paper is relatively novel. It has a certain reference for the loan outsourcing banks that have been launched or are about to be launched, and enhances the practicability.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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