平安银行海口分行小微企业贷款业务管理研究

发布时间：2018-05-10 05:37

本文选题：小微企业 + 贷款　；参考：《海南大学》2014年硕士论文

【摘要】：小微企业是我国国民经济和社会发展的重要组成部分,已成为推动我国经济发展的重要力量。为解决小微企业经营困难、融资难等问题,国务院和相关部委连续出台了一系列扶持小微企业的政策举措,这些措施对商业银行发展小微企业贷款业务具有利好的促进作用。由于利率市场化进程加快,以及商业银行受到资本流动性的影响,将会重点选择盈利性好的目标客户,而小微企业贷款综合收益较高,其现已成为各家银行争先抢占的市场。但各家商业银行对小微企业市场采取粗放式的开发模式,通过发放贷款获取高额的利差收入。随着市场竞争的加剧,小微企业贷款业务精细化的管理模式越来越受到关注。本文根据平安银行海口分行小微企业贷款业务的发展现状,并采用SW0T分析法和实证分析法,分析了其在小微企业贷款业务管理方面存在的问题和面临的市场竞争,研究了小微企业贷款的相关理论,以及国内外商业银行的先进经验和模式,试图通过创建新型渠道、优化创新担保方式、实施利率浮动制、监控结算资金、建立银企交流平台、用活政府支持政策等措施,优化平安银行海口分行现有管理模式,帮助其在小微企业贷款领域获得竞争优势,并把控小微企业贷款风险。另一方面,也帮助小微企业降低贷款利息成本和隐性成本,以及便利地获得贷款融资。并加强小微企业与商业银行之间的联系,促进银企之间的合作,发挥银行在小微企业成长过程中的帮扶作用。本文将通过分析平安银行小微企业贷款业务管理方面存在的问题,提出一系列的解决措施和建议,努力推动平安银行海口分行小微企业贷款业务的发展、探寻高效的批量销售小微企业贷款模式,研究可靠的小微企业贷款风险把控模式,最大限度地解决小微企业贷款难和成本高的问题。
[Abstract]:Small and micro enterprises are an important part of the national economy and social development in China, and have become an important force to promote the economic development of our country. In order to solve the problems of difficult operation and difficult financing of small and micro enterprises, the State Council and relevant ministries have issued a series of policies and measures to support small and micro enterprises in succession. These measures have a positive effect on the development of small and micro enterprise loan business in commercial banks. Due to the accelerated process of interest rate marketization and the influence of capital liquidity, commercial banks will focus on the target customers with good profitability, while small and micro enterprises will have a higher comprehensive return on loans, which has become the market that banks scramble to occupy first. However, commercial banks adopt an extensive development model for the market of small and micro enterprises, and obtain high interest income by issuing loans. With the aggravation of market competition, more and more attention has been paid to the fine management mode of small and micro-enterprise loan business. According to the present situation of small and micro enterprise loan business in Haikou Branch of Ping an Bank, this paper analyzes the problems and market competition in the management of small and micro enterprise loan business by using SW0T analysis and empirical analysis. This paper studies the relevant theory of small and micro enterprise loan, as well as the advanced experience and model of domestic and foreign commercial banks, and attempts to establish a platform for exchange between banks and enterprises by creating new channels, optimizing the innovative guarantee methods, implementing the interest rate floating system, monitoring settlement funds, and establishing a platform for exchange between banks and enterprises. The existing management mode of Haikou Branch of Ping an Bank should be optimized with government support policy to help it gain competitive advantage in the field of small and micro enterprise loan and control the risk of small and micro enterprise loan. On the other hand, it also helps small and micro-enterprises reduce interest costs and hidden costs on loans and facilitate access to loan financing. And strengthen the relationship between small and micro enterprises and commercial banks, promote the cooperation between banks and enterprises, and give full play to the role of banks in the growth of small and micro enterprises. By analyzing the problems existing in the management of the small and micro enterprise loan business of Ping an Bank, this paper puts forward a series of measures and suggestions to promote the development of the small and micro enterprise loan business of Haikou Branch of Ping an Bank. In order to solve the problem of difficult loan and high cost of small and micro enterprises, a reliable loan risk control model for small and micro enterprises is studied in order to find out an efficient loan model for small and micro enterprises.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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