哈尔滨汇仁通小额贷款公司发展战略研究

发布时间：2018-03-01 05:09

本文关键词： 小额贷款发展战略 SWOT分析可持续性　出处：《燕山大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，小额贷款公司在我国蓬勃发展，尤其对小微企业的发展的促进作用，在整个国民经济中，展现活力。自2009年以来，黑龙江省小额贷款公司在全省各地逐渐兴起，而哈尔滨汇仁通小额贷款公司作为本地首批成立的小额贷款公司，一直发挥领头羊左右，不断拓展经营，公司规模不断扩大。本文通过分析哈尔滨汇仁通小额贷款公司的现状，对小额贷款公司的发展战略问题提出思考，并提出合理性对策和建议。首先，本文对小额贷款公司发展战略的研究背景与研究意义进行了概述，从不同的学者研究角度介绍了小额贷款公司发展战略的国内外研究现状，以及研究方法和研究内容；并且简述了小额贷款公司的特征及主要发展历程，对战略管理的相关理论做了阐述。其次，对哈尔滨小额贷款公司的外部环境进行分析，运用五力竞争模型分析其竞争对手，具代表性的有哈尔滨银行和区域担保公司；对于哈尔滨汇仁通小额贷款公司内部经营环境进行分析，主要分析的是公司的资源及能力。再次，根据经营实际提出公司发展目标，归纳出哈尔滨汇仁通小额贷款公司的优劣势、机会和威胁，同时运用SWOT矩阵分析得出增长型的发展战略。最后，为保障汇仁通发展战略的实施，提出了加强公司内部建设，提高核心竞争力；加强自身风险管理；创新公司经营模式和产品创新等措施，并提出公司发展诉求。
[Abstract]:In recent years, microfinance companies have developed vigorously in our country, especially in promoting the development of small and micro enterprises, showing vitality in the whole national economy. Since 2009, small loan companies in Heilongjiang Province have gradually risen in various parts of the province. And Harbin Huirentong Microloan Company, as the first batch of local microfinance companies, has been playing the leading role, expanding its business and expanding the scale of the company. Based on the analysis of the present situation of Huirentong Microloan Company in Harbin, this paper puts forward some thoughts on the development strategy of Huirentong Microloan Company, and puts forward some reasonable countermeasures and suggestions. First of all, this paper summarizes the research background and significance of the development strategy of microfinance companies, and introduces the domestic and foreign research status, research methods and research contents of the development strategies of microfinance companies from different scholars' perspectives. And the characteristics and main development history of microfinance companies are briefly described, and the related theories of strategic management are expounded. Secondly, the paper analyzes the external environment of Harbin Microloan Company, and analyzes its competitors by using the five-force competition model. The representative ones are Harbin Bank and Regional guarantee Company. This paper analyzes the internal operating environment of Harbin Huirentong Microloan Company, mainly analyzes the resources and capabilities of the company. Thirdly, according to the actual management of the company development objectives, summed up the advantages and disadvantages of Harbin Huirentong microfinance company, opportunities and threats, at the same time, using SWOT matrix analysis to obtain the growth development strategy. Finally, in order to ensure the implementation of Huirentong's development strategy, this paper puts forward some measures, such as strengthening the internal construction of the company, improving the core competitiveness, strengthening its own risk management, innovating the company's business model and product innovation, and putting forward the company's development demands.
【学位授予单位】：燕山大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272;F832.4

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