C行H省分行小企业信贷业务发展研究

发布时间：2018-01-14 17:31

本文关键词：C行H省分行小企业信贷业务发展研究　出处：《广西大学》2015年硕士论文　论文类型：学位论文

【摘要】：近年来,我国小企业不断发展,成为市场经济的重要组成部分和推进社会生产力发展的重要力量。但是,小企业实现可持续发展难度较大。一方面是由于当前复杂且多变的经济形势,另一方面则是由于融资难度高、成本大、渠道少等一系列因素的严重制约。在商业银行同业竞争越来越激烈的大环境下,各大商业银行逐渐开始重视小企业信贷业务。本文以H省小企业信贷业务发展情况为立足点,以C行H省分行小企业信贷业务为研究对象,深入研究C行H省分行小企业信贷业务发展情况,并结合实际对C行H省分行小企业信贷业务外部发展环境予以分析。本文在详细阐述C行H省分行小企业信贷业务发展现状的基础上,进一步具体阐述该业务相关信贷产品。并从产品政策、区域资源分配、风险控制观念及业务流程等四方面具体分析C行H省分行小企业信贷业务目前存在的主要问题。为促进C行H省分行加快发展小企业信贷业务,本文针对所存在的问题从改变产品政策、平衡区域资源、加强风险控制管理、简化业务流程等四个方面提出具体对策建议,以期能够对C行H省分行稳步推进小企业信贷业务发展提供有益参考。
[Abstract]:In recent years, the development of small enterprises in China has become an important part of the market economy and an important force to promote the development of social productive forces. It is difficult for small enterprises to achieve sustainable development, on the one hand because of the current complex and changeable economic situation, on the other hand, because of the high difficulty of financing and high cost. A series of factors, such as lack of channels, are seriously restricted. Under the environment of increasingly fierce competition among commercial banks. The major commercial banks gradually began to attach importance to the small enterprise credit business. This paper takes the development of the small enterprise credit business in H province as the foothold, and the C bank H branch small enterprise credit business as the research object. Further study the development of small enterprise credit business in C bank H province branch. Combined with the actual analysis of the external development environment of small enterprise credit business in C bank H branch, this paper expounds the current situation of small enterprise credit business development in C line H branch in detail. Further elaborate the business related credit products. And from the product policy, regional resource allocation. Four aspects of risk control concept and business process are analyzed in detail to analyze the main problems existing in the credit business of small enterprises in line C and H province branch, in order to accelerate the development of credit business of small enterprises in line H branch of C bank. This paper puts forward specific countermeasures and suggestions from four aspects: changing product policy, balancing regional resources, strengthening risk control management and simplifying business process. In order to provide a useful reference for C line H province branch to steadily promote the development of small business credit business.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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