邮储银行湖南省分行小企业贷款业务发展研究

发布时间：2019-01-14 17:02

【摘要】：2011年，中国银监会发布了《关于支持商业银行进一步改进小企业金融服务的通知》，其主要内容为推行银行的小企业贷款业务。同年，邮储银行总行就小企业贷款提出本行的定义，并把小企业贷款作为重要项目推行到全国各分支行。小企业发展至今日，在我国的国民经济中占据了不可忽视的地位，加之近年来全球经济不景气和我国经济转型带来的影响，小企业的生存环境恶化，小企业贷款的经营状况堪忧，许多小企业缺乏资金维系自身的生存和发展。因此，小企业贷款业务亟待发展，对小企业贷款发展的研究也就被提上了重要日程。在阐述湖南省小企业贷款的基本现状后，本文就邮储银行湖南省分行小企业贷款业务的发展现状作了阐述。根据在小企业信贷中心采集的数据以及对现状进行的分析，从邮储银行小企业贷款在湖南的业务发展中存在的不足或风险，组织架构导致的贷款效率问题以及小企业贷款风险监控三个方面提出了邮储银行湖南省分行小企业贷款业务发展所面临的突出问题。由于后发劣势和体制限制、创新不足，邮储银行湖南省分行的小企业贷款业务相对滞后，加之小企业和地域特点以及总行小企业贷款政策的影响，造成了部分项目的集中度过高；岗位及职责设置的不合理、团队沟通协作的缺乏以及部门专门化程度不足等原因，，导致了小企业贷款的效率低下；风险监控存在漏洞，则是信息不对称、对客户评级存在主观因素以及缺乏完善的内部控制体系造成的。面对这些问题，本文提出了相应的改进方案，主要包括三个方面。一是改进现有贷款模式，建立以战略事业部制为构架的“信贷工厂”模式来替换现在的分行集权模式；二是创建邮储银行小企业客户的B2B电商平台并与快乐购的B2C平台相套嵌，用以提供便利的金融服务；三是从客户细分和市场定位、员工内控制度以及完善风险监控机制三个点对风险监控体系提出了改进。文章最后针对前面的改进方案提出了补充建议，包括针对小企业贷款组织架构改进方案的打造“信贷工厂”的专业化队伍，针对套嵌式电商金融服务平台的进一步推行互联网金融与电子金融，以及针对完善风险监控体系的提升员工风险意识和改进分行自我风险监控和内部系统平台等。其目的在于让改进方案能更为顺利的得以实施，从而促使邮储银行湖南省分行的小企业贷款业务得以健康快速的发展。
[Abstract]:In 2011, the China Banking Regulatory Commission (CBRC) issued a Circular on supporting Commercial Banks to further improve their Financial Services for small Enterprises, the main content of which is the promotion of small business loans by banks. In the same year, the head office of the Postal savings Bank put forward its definition of small business loans and extended them to all branches of the country as an important project. The development of small enterprises to this day has occupied an important position in the national economy of our country. In addition, the global economic recession in recent years and the impact of China's economic transformation have resulted in the deterioration of the living environment of small enterprises. Many small businesses lack the funds to maintain their survival and development. Therefore, the small business loan business needs to be developed urgently, and the research on the small enterprise loan development has been put on the important agenda. After expounding the basic situation of small enterprise loan in Hunan Province, this paper expounds the present situation of the development of small enterprise loan business in Hunan Branch of Postal savings Bank. According to the data collected in the small Enterprise Credit Center and the analysis of the present situation, the problems or risks existing in the business development of the small enterprise loan from the Postal savings Bank in Hunan, The problems of loan efficiency caused by organizational structure and loan risk monitoring of small enterprises are discussed in this paper. The outstanding problems in the development of small enterprise loan business in Hunan Branch of Postal savings Bank are put forward. Due to the disadvantages of the post savings bank and institutional constraints, and the lack of innovation, the small business loan business of the Postal savings Bank Hunan Branch lags behind, in addition to the influence of the small business and geographical characteristics of the postal savings bank, as well as the small business loan policy of the head office. The concentration of some projects is too high; The unreasonable establishment of posts and responsibilities, the lack of team communication and cooperation, and the insufficient degree of specialization of departments lead to the low efficiency of small business loans; There are loopholes in risk monitoring, which are caused by information asymmetry, subjective factors to customer rating and lack of perfect internal control system. In the face of these problems, this paper puts forward the corresponding improvement plan, mainly includes three aspects. The first is to improve the existing loan model and establish a "credit factory" model based on the Ministry of Strategic undertakings system to replace the current centralized branch mode; The second is to create a B2B e-commerce platform for small business customers of the Postal savings Bank and set it up with the B2C platform of Happy purchase in order to provide convenient financial services; The third is to improve the risk monitoring system from three aspects: customer segmentation and market positioning, employee internal control system and perfect risk monitoring mechanism. At the end of the paper, the author puts forward some supplementary suggestions for the improvement scheme, including the construction of a "credit factory" specialized team for the improvement of the loan organization structure of small enterprises. Aiming at the further implementation of Internet finance and electronic finance for the embedded e-commerce financial service platform, the paper also aims at improving the risk awareness of employees and improving the branch self-risk monitoring and internal system platform. The aim is to make the improvement scheme more smoothly and promote the development of the small business loan business of the Postal savings Bank Hunan Branch in a healthy and rapid manner.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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