基于洛阳银行实践的城商行小微企业信贷服务模式探究

发布时间：2018-03-30 12:09

本文选题：城商行　切入点：小微企业　出处：《西安建筑科技大学》2014年硕士论文

【摘要】：进入“十二五”期间，随着国民经济步入低速增长，结构转型步伐加快，作为中国经济最活跃的群体，同时也是最脆弱的群体，小微企业经营规模小、风险承受能力低、缺乏抵质押品、融资渠道狭窄等问题凸显，支持小微企业又好又快发展，对于克服金融危机、房地产调控等宏观经济影响、保持经济健康较快发展并促进经济结构转型，具有深远的战略意义。从2008年银监会提出支持“六项机制”，到2011年中央经济工作会议推出支持小微企业“国九条”，国家支持小微企业的政策力度不断加大，解决小微企业担保难、融资难，推动小微企业发展已成为中小商业银行的重点服务领域。与此同时，小微企业这片蓝海也被越来越多的商业银行发掘和进军，坚持服务小微企业市场定位，在服务小微企业方面力求做专、做细、做精，形成独特的竞争优势，已成为各家银行尤其城市商业银行转型的重要契机和真正的亮点所在。本文在文献研究的基础上，对小微信贷服务从理论层面进行了概念解析、信贷技术基础理论分析、世界主要国家小微企业信贷服务模式对比、国内银行小微企业信贷服务模式分析等；然后，对洛阳市小微企业信贷服务现状进行了分析，，包括洛阳市小微企业概况、洛阳市小微企业信贷需求现状、洛阳市小微企业信贷服务情况、洛阳市小微企业信贷面临的问题等；最后基于洛阳银行实践对小微企业信贷服务模式进行了探究，包括洛阳银行支持小微企业的服务模式、洛阳银行支持小微企业遇到的问题及困难、洛阳银行小微企业信贷服务改进建议等。本文将小微信贷作为研究视角，以IPC微贷技术理论为基础，以财务信息和软信息为要点，以交叉检验为手段，重视还款能力和还款意愿，通过“信贷工厂”模式和批量授信，创造高效灵活便捷的小微信贷服务模式，为城市商业银行对小微企业信贷服务提供参考。
[Abstract]:During the "12th Five-Year Plan" period, as the national economy has entered a low growth rate and the pace of structural transformation has been accelerated, as the most active and vulnerable group in China's economy, small and micro enterprises operate on a small scale and have low risk bearing capacity. Problems such as lack of collateral, narrow financing channels, and so on, support the sound and rapid development of small and micro enterprises, which can overcome the macroeconomic impact of the financial crisis, real estate regulation and control, maintain a healthy and rapid economic development, and promote economic structural transformation. From the 2008 CBRC's proposal to support the "six mechanisms" to the 2011 Central Economic work Conference to launch the "National Nine articles" to support small and micro enterprises, the state policy to support small and micro enterprises has been continuously increased. To solve the problem of guarantee and financing of small and micro enterprises, promoting the development of small and micro enterprises has become a key service area for small and medium-sized commercial banks. At the same time, the blue sea of small and micro enterprises has also been explored and expanded by more and more commercial banks. Sticking to the market orientation of serving small and micro enterprises, making every effort to do specialized, fine, fine, and forming unique competitive advantage in serving small and micro enterprises has become an important opportunity and a real bright spot for banks, especially city commercial banks. On the basis of literature research, this paper analyzes the concept of micro-credit service from the theoretical level, the basic theory of credit technology, and the comparison of credit service modes of small and micro enterprises in major countries of the world. Then, the present situation of credit service of small and micro enterprises in Luoyang City is analyzed, including the general situation of small and micro enterprises in Luoyang City, the present situation of credit demand of small and micro enterprises in Luoyang City, and so on. Finally, based on the practice of Luoyang Bank, this paper probes into the credit service model of small and micro enterprises, including the service mode of supporting small and micro enterprises by Luoyang Bank. Problems and difficulties encountered by Luoyang Bank in support of small and micro enterprises, and suggestions for improvement of credit services of small and micro enterprises in Luoyang Bank. This paper takes micro-credit as the research angle, based on the theory of IPC micro-loan technology, taking financial information and soft information as the main points, taking cross-test as the means, paying attention to repayment ability and repayment willingness, and granting credit through "credit factory" mode and batch credit. To create an efficient, flexible and convenient micro-credit service model to provide reference for city commercial banks to provide credit services to small and micro enterprises.
【学位授予单位】：西安建筑科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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