农业银行常熟分行小微企业信贷业务发展研究

发布时间：2018-08-06 14:50

【摘要】：经济结构的转型使得国家对小微企业有了新的定义与要求,政策的支持、产业结构调整、新技术革命以及商业模式的创新,这些都给银行评估小微企业带去了新的挑战。因此,如何有效收集小微企业的信息、有效评估小微企业发展潜力是银行小微企业信贷业务的新任务。2011年6月由工信部、国家统计局、发改委、财政部联合颁布并实施《中小企业划型标准规定》,在高度重视小微企业发展的同时出台了配套的财政政策、税收政策。随后,我国各大国有股份制银行凭借雄厚的资金以及营销策略,主动地创新产品种类、提升服务层次,帮助小微企业不断提升、壮大。加强银行对小微企业评估的判断有助于我国各类银行对小微企业信贷业务的准确性和成熟性。小微企业自身发展的不稳定以及银行信息不对称导致对小微企业的辨识能力较弱。本文以中国农业银行股份有限公司常熟分行(以下简称农行常熟分行)为研究对象,由于农行常熟分行属于股份制银行,目的仍然是为了盈利;因此如何将农行常熟分行的盈利和有效支持小微企业发展结合起来,是银行业急需解决的问题。首先通过对国内外商业银行对小微企业开展信贷业务的原因、授信条件进行分析,进行相应的分类、整理,以及对国内外小微企业获取信贷的现状进行认识。其次从农行常熟分行目前的小微企业客户整体情况说明入手,通过外部经营环境、内部资源状况等方面分析,指出在农行常熟分行现行的制度下小微企业难以获得信贷的原因和农行常熟分行管理制度存在的问题,使农行常熟分行进一步认清其现状。再次通过前文的分析结果,找出造成这些问题的主要原因,包括银行业务操作机制的限定和小微企业自身经营的特点、包括小微企业信贷产品短缺等。最后基于当前农行常熟分行小微企业客户信贷业务难以获得信贷的问题和成因,提出针对性的措施,从而促进农行常熟分行壮大小微企业客户、提升小微企业信贷业务的发展,使农行常熟分行获得更大的利润空间。本文希望通过对农行常熟分行对小微企业信贷的研究,为我国银行对小微企业信贷业务提供案例支持。
[Abstract]:The transformation of economic structure makes the country have new definition and requirement for small and micro enterprises, policy support, industrial structure adjustment, new technology revolution and innovation of business model, all of which bring new challenges for banks to evaluate small and micro enterprises. Therefore, how to effectively collect information on small and micro enterprises and effectively assess their development potential is a new task for the credit business of small and micro enterprises in banks. June 2011, the Ministry of Industry and Information Technology, the National Bureau of Statistics, the National Development and Reform Commission, The Ministry of Finance jointly promulgated and implemented the "Standard for small and Medium-Sized Enterprises", which attached great importance to the development of small and micro enterprises, and at the same time issued a supporting fiscal policy and tax policy. Subsequently, with abundant funds and marketing strategies, the major state-owned joint-stock banks actively innovate product types, upgrade service levels, and help small and micro enterprises continue to upgrade and grow. Strengthening the judgment of small and micro enterprises is helpful to the accuracy and maturity of the credit business of all kinds of banks in China. The instability of the development of small and micro enterprises and the asymmetry of bank information lead to the weak identification ability of small and micro enterprises. This paper takes the Changshu Branch of Agricultural Bank of China (hereinafter referred to as Changshu Branch of Agricultural Bank of China) as the research object, because the Changshu branch of Agricultural Bank of China belongs to the joint-stock bank, the purpose is still to make a profit; Therefore, how to combine the profitability of Agricultural Bank of China Changshu Branch with the effective support for the development of small and micro enterprises is an urgent problem for the banking industry. Firstly, through the analysis of the reasons and credit conditions of domestic and foreign commercial banks to carry out credit business to small and micro enterprises, the corresponding classification and arrangement, as well as the understanding of the present situation of obtaining credit for domestic and foreign small and micro enterprises are carried out. Secondly, starting with the overall situation of small and micro enterprise customers in Changshu Branch of Agricultural Bank of China, and analyzing the external business environment and internal resource situation, The paper points out the reasons why it is difficult for small and micro enterprises to obtain credit under the current system of Agricultural Bank of China Changshu Branch and the problems existing in the management system of Agricultural Bank of China Changshu Branch. Through the above analysis, we find out the main causes of these problems, including the limitation of banking operation mechanism and the characteristics of small and micro enterprises' own operation, including the shortage of credit products for small and micro enterprises. Finally, based on the current problems and causes of the difficulty in obtaining credit for small and micro enterprises in Changshu Branch of Agricultural Bank of China, this paper puts forward targeted measures to promote the development of credit business of small and micro enterprises in Changshu Branch of Agricultural Bank of China, which will strengthen the customers of small and micro enterprises and promote the development of credit business of small and micro enterprises. Agricultural Bank of Changshu branch to obtain greater profit space. This paper hopes to provide case support for the credit of small and micro enterprises in China by studying the credit of small and micro enterprises in Changshu Branch of Agricultural Bank of China.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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