潍坊银行信贷业务拓展研究

发布时间：2018-01-22 21:52

本文关键词： 潍坊银行信贷拓展企业融资　出处：《兰州商学院》2014年硕士论文　论文类型：学位论文

【摘要】：长期以来，银行间接融资作为我国资金需求方融资的主要渠道，负责为经济建设筹集分配资金，是我国社会再生产顺利进行的重要纽带。在银行业务中，信贷业务是其最主要和最具盈利性的业务，占银行总资产规模的70%左右，努力拓展我国商业银行的信贷业务,对于提高银行收益、稳定金融环境、推动经济发展十分重要。因此,对我国商业银行信贷拓展进行研究具有重要的理论价值和现实意义。目前，我国银行的信贷业务面临许多困难。首先，我国的经济正经历由政策刺激向自主增长的有序转变，投资增速也有所降低，占银行信贷结构较大比例的投资类需求将逐渐走弱，银行信贷可能在较长时间内面临有效需求不足的问题。其次，，人民银行为了防止经济波动较大、调整经济结构，必然会调控社会融资总量，而在其职责范围内，理财产品无法通过货币政策调控，人民银行只能对银行信贷数额进行调整，信贷业务在这种情况下必然会受到影响。最后，多层次资本市场的发展和非银行机构的壮大将在资产和负债两端对银行产生冲击，优质客户资金“脱媒”的现象进一步显现，加剧了信贷非中介化的趋势，对银行信贷业务的开展产生了负面效应。信贷业务作为城市商业银行最重要的资产业务，是提高其盈利性、解决一系列现存问题的重要突破口。潍坊银行成立于1997年，在城市商业银行中有一定的代表性，本文通过对潍坊银行信贷拓展的研究，一方面希望能系统分析潍坊银行信贷业务的宏观环境、内部条件与竞争实力，以便对潍坊银行日常经营决策给予参考依据，另一方面通过对潍坊银行信贷业务优势、劣势、机遇和威胁的分析指出拓展信贷的可行性方案策略，有利于潍坊银行在未来的信贷投放中与时俱进创造需求、引导需求，以最先进的技术、最适合的产品、最有效率和最有价值的服务满足客户，实现信贷竞争力的动态更新与自身经营的最大利益。希望本文对潍坊银行信贷投放的发展起到促进作用，同时对城市商业银行发展的未来前景研究希望也能起到参考作用。
[Abstract]:For a long time, the bank indirect financing as the main channel of our country capital demand side financing, is responsible for raising and distributing the funds for the economic construction, is the important link which our country society reproduces smoothly, in the bank business. Credit business is the most important and most profitable business, accounting for about 70% of the total assets of banks. Try to expand the credit business of commercial banks in China, to improve bank earnings and stabilize the financial environment. It is very important to promote economic development. Therefore, it is of great theoretical and practical significance to study the credit expansion of commercial banks in China. At present, the credit business of Chinese banks is facing many difficulties. Firstly, the economy of our country is undergoing an orderly transition from policy stimulus to independent growth, and the growth rate of investment has also decreased. The investment demand, which accounts for a large proportion of the bank credit structure, will weaken gradually, and the bank credit may face the problem of insufficient effective demand for a long time. Secondly, in order to prevent the economic fluctuation, the people's Bank of China may face the problem of insufficient effective demand. Adjustment of economic structure will inevitably control the total amount of social financing, and in its scope of responsibility, financial products can not be regulated through monetary policy, the people's Bank of China can only adjust the amount of bank credit. Finally, the development of multi-level capital markets and the growth of non-bank institutions will impact banks at both ends of assets and liabilities. The phenomenon of "disintermediation" of high quality customer funds further appears, which intensifies the trend of disintermediation of credit, and has a negative effect on the development of bank credit business. As the most important asset business of city commercial bank, credit business is an important breakthrough to improve its profitability and solve a series of existing problems. Weifang Bank was established in 1997. In the city of commercial banks have a certain representation, this paper through the Weifang bank credit development research, on the one hand, hope to systematically analyze the macro environment of Weifang bank credit business, internal conditions and competitive strength. On the other hand, through the analysis of Weifang bank's credit business strengths, weaknesses, opportunities and threats, this paper points out the feasible scheme strategy to expand credit. Weifang Bank in the future in the credit investment with the times to create demand, guide demand, with the most advanced technology, the most suitable products, the most efficient and valuable services to meet customers. To realize the dynamic renewal of credit competitiveness and the best interests of its own operation. I hope this article will promote the development of Weifang bank credit. At the same time, the future prospects of the development of urban commercial banks hope to play a reference role.
【学位授予单位】：兰州商学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【引证文献】