建设银行湖南分行小微企业信贷业务策略研究

发布时间：2018-05-25 04:37

本文选题：小微企业 + 信贷业务　；参考：《湖南农业大学》2014年硕士论文

【摘要】：当前,商业银行围绕大企业客户信贷业务竞争日趋激烈且效益越来越低。与此同时,大量愿意付出较高融资成本的小微企业却难以从银行获得贷款。如何面对大企业贷款利差收窄的新形势,优化银行业务结构、大力拓展小微企业信贷业务客户市场,有效增加新的盈利空间已成为商业银行转型发展的重要课题。基于此,本研究选择以湖南省为例,开展建设银行“小微企业信贷”发展策略研究。本研究在简要梳理国内外小微企业信贷研究文献的基础上,探讨了小微企业客户贷款需求及风险特征,在此基础上针对湖南省建设银行发展小微企业信贷业务的机遇与约束因素开展分析。小微企业发展势头良好,政策环境日益改善,为建设银行开展小微企业信贷创造了机遇。同时,其小微企业信贷业务发展也存在以下约束因素：部分小微企业亏损和信用度差；社会信用环境不佳；对发展小微企业及其信贷认识与政策落实没有到位；经营管理队伍薄弱,考核评价与激励机制缺失。最后,在借鉴西班牙桑坦德银行的经验的基础上,对湖南省建设银行小微企业信贷策略展开讨论,提出积极探索基于细分市场及小微企业需求的差别化发展；创新小微企业客户风险评价体系,强化小微企业信用评价模式与风险控制；优化其相适应的信贷服务流程；健全小微企业信贷业务发展激励机制和尽职免责制度。总之,要抓住国家大力支持小微企业发展的机遇,通过制度创新拓展小微企业信贷业务市场,创造建设银行新的业务和利润增长点。
[Abstract]:At present, the commercial banks focus on the large enterprise customer credit business competition is becoming more and more fierce and the benefit is getting lower and lower. At the same time, a large number of small and micro-enterprises willing to pay higher financing costs are struggling to get loans from banks. How to face the new situation of narrowing the spread of loan interest in large enterprises, optimize the structure of banking business, expand the customer market of credit business of small and micro enterprises, and effectively increase the new profit space have become an important subject of the transformation and development of commercial banks. Based on this, this study chooses Hunan Province as an example to study the development strategy of "small and micro enterprise credit" in China Construction Bank. On the basis of briefly combing the domestic and foreign literatures on the credit of small and micro enterprises, this study discusses the demand and risk characteristics of customer loans for small and micro enterprises. On this basis, this paper analyzes the opportunities and constraints of Hunan Construction Bank to develop small and micro enterprise credit business. The development momentum of small and micro enterprises is good and the policy environment is improving day by day, which creates an opportunity for the construction bank to carry out small and micro enterprise credit. At the same time, the development of the small and micro enterprises credit business also has the following constraints: some small and micro enterprises loss and poor credit, social credit environment is not good, the development of small and micro enterprises and their credit understanding and policy implementation is not in place; Management team is weak, evaluation and incentive mechanism is missing. Finally, based on the experience of Santander Bank of Spain, the credit strategy of small and micro enterprises of Hunan Construction Bank is discussed, and the differential development based on subdivision market and demand of small and micro enterprises is put forward. Innovating the customer risk evaluation system of small and micro enterprises, strengthening the credit evaluation mode and risk control of small and micro enterprises; optimizing the appropriate credit service flow; perfecting the incentive mechanism and due diligence system of credit business development of small and micro enterprises. In short, it is necessary to seize the opportunity for the state to support the development of small and micro enterprises, to expand the credit market of small and micro enterprises through institutional innovation, and to create new business and profit growth points of China Construction Bank.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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