中国银行湖南省分行“信贷工厂”模式研究

发布时间：2018-05-17 22:16

本文选题：融资难 + 中小企业　；参考：《中南大学》2014年硕士论文

【摘要】：中小企业融资难一直困扰着中国政府和企业。中国中小企业融资的主要来源是商业银行、非银行金融机构提供的间接融资,但是因为中小企业的抗风险能力低、存活时间短、信用级别低、贷款数额小等特点,再加上外部环境和金融危机的影响,使得各金融机构对中小企业普遍“惜贷”,如何在风险可控的情况下,用一种合适的方式为中小企业提供融资服务,成为各家金融机构必须面对和思考的问题。本文结合国内学者关于融资难的成因分析和国外学者相关信贷理论研究,从中国银行湖南省分行现有三大授信模式出发,分析存在问题和不足,并在此基础上提出了构建中国银行湖南省分行信贷工厂模式的基本思路。本文从客户准入角度、授信流程和风控角度以及授信金额和定价水平角度分析了现有信贷模式的不足之处,指出应通过构建专营机构、设计标准流程、开发个性产品、建立专门服务体系等方法来搭建全新的融资服务体系。在具体实施中,从业务规划、行业调研、流程设计、产品策略4个方面进行了详细论证,并给予管理、风控和人员三大保障措施,确保了模式的顺利实施。本文的研究成果,对提升中国银行湖南省分行中小企业融资服务水平有一定的实际参考价值,将增加中小企业融资的可获得性,也为其他金融机构解决中小企业融资难题提供了新思路。
[Abstract]:The financing difficulty of medium and small-sized enterprises has been perplexing the Chinese government and enterprises all the time. The main sources of financing for small and medium-sized enterprises in China are indirect financing provided by commercial banks and non-bank financial institutions. However, because of the small and medium-sized enterprises' ability to resist risks, short survival time, low credit level, and small amount of loans, etc. Coupled with the impact of the external environment and the financial crisis, financial institutions are generally "reluctant to lend" to SMEs, and how to provide financing services to SMEs in a suitable way under conditions of controllable risk, Become the problem that each financial institution must face and think about. Based on the analysis of the causes of financing difficulties of domestic scholars and the research of relevant credit theories of foreign scholars, this paper analyzes the existing problems and shortcomings from the existing three credit modes of Hunan Branch of Bank of China. On this basis, the paper puts forward the basic idea of constructing the credit factory model of Bank of China Hunan Branch. This paper analyzes the shortcomings of the existing credit model from the point of view of customer access, credit flow and wind control, credit amount and pricing level, and points out that individual products should be developed through the construction of franchisees, the design of standard processes, and the development of individual products. Establish special service system and other methods to build a new financing service system. In the process of implementation, it is demonstrated in detail from four aspects of business planning, industry investigation, process design and product strategy, and three safeguards, management, wind control and personnel, are given to ensure the smooth implementation of the model. The research results of this paper have some practical reference value for improving the financing service level of small and medium-sized enterprises in Bank of China Hunan Branch, which will increase the availability of financing for small and medium-sized enterprises. Also for other financial institutions to solve the financing problems of small and medium-sized enterprises to provide new ideas.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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