兰州农商银行小微企业信贷业务扩展策略研究

发布时间：2018-08-13 21:36

【摘要】：小微企业已经成为包括几大国有控股银行在内的各家银行竞争的重要市场,市场对优质小微企业客户的争夺加剧,银行挖掘潜在优质客户的能力和水平有待进一步提高。作为地方性银行,兰州农商银行需要设立与本区域经济发展相适应的信贷业务发展模式。本文在对区域经济发展态势和产业数据进行全方位掌握和分析的基础上,重点对小微企业在社会经济发展中的贡献占比及发展态势进行关注,比照兰州农商银行在帮助小微企业发展,提供信贷资金支持时的优势及劣势,进一步明确兰州农商银行打造零售银行和社区银行的战略定位,将小微企业作为最主要的目标客户群体,采取有效的举措,不断创新完善小微信贷模式,推动小微金融业务发展,提升兰州农商银行在助力小微市场方面的竞争力和品牌影响力。本文主要从宏观、微观两个层面,以小微企业和兰州农商银行为研究对象,阐述了影响扩展小微企业信贷业务的主要因素。除了小微企业自身因素外,兰州农商银行小微企业获取资金融通的银行资金品种创新力度不足、缺乏小微企业专营部门、客户经理团队建设滞后、银企信息不对称、小微企业信贷流程与方式不完善、信贷风险控制水平低等。因此兰州农商银行在进一步拓展小微企业信贷服务业务的过程中应当从坚持市场定位、创新信贷产品、设立小微企业专营部门、多措并举缓解信息不对称、完善小微企业信贷流程及方式和提高小微企业信贷风险控制水平等方面入手改革相应机构的职能,更新企业经营理念,最终达到兰州农商银行小微企业信贷业务拓展的目标。
[Abstract]:Small and micro enterprises have become an important market for banks including several state-owned holding banks to compete. The competition for customers of high quality small and micro enterprises in the market has intensified. The ability and level of banks to tap potential high quality customers need to be further improved. As a local bank, Lanzhou Agricultural and Commercial Bank needs to set up a credit business development model suitable for the regional economic development. Based on the analysis of regional economic development situation and industrial data, this paper focuses on the contribution of small and micro enterprises in social and economic development. Comparing with the advantages and disadvantages of Lanzhou Agricultural and Commercial Bank in helping small and micro enterprises to develop and providing credit capital support, the strategic position of Lanzhou Agricultural and Commercial Bank to build retail and community banks is further clarified. Taking small and micro enterprises as the main target customer group, taking effective measures, continuously innovating and perfecting the small and micro credit model, promoting the development of small and micro finance business, To enhance the competitiveness and brand influence of Lanzhou Agricultural Commercial Bank in helping small and micro markets. This paper mainly from the macro and micro two levels, small and micro enterprises and Lanzhou Agricultural and Commercial Bank as the research object, elaborated the main factors that affect the expansion of small and micro enterprise credit business. In addition to the small and micro enterprises themselves, the small and micro enterprises of Lanzhou Agricultural and Commercial Bank have insufficient innovation in the variety of bank funds, lack of exclusive departments of small and micro enterprises, lagging behind in the construction of client managers' teams, and asymmetric information between banks and enterprises. Small and micro-enterprise credit process and mode is not perfect, credit risk control level is low. Therefore, in the process of further expanding the credit service business of small and micro enterprises, Lanzhou Agricultural and Commercial Bank should persist in market orientation, innovate credit products, set up exclusive departments of small and micro enterprises, and do more to alleviate information asymmetry. In order to improve the credit flow and mode of small and micro enterprises and improve the credit risk control level of small and micro enterprises, we should reform the functions of the corresponding organizations and renew the management concept of enterprises, so as to reach the goal of expanding the credit business of small and micro enterprises of Lanzhou Agricultural and Commercial Bank.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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