衡水建行大中型公司信贷业务发展对策研究

发布时间：2018-03-19 09:09

本文选题：衡水建行　切入点：大中型公司　出处：《河北大学》2013年硕士论文　论文类型：学位论文

【摘要】：衡水市是经济欠发达地区,经济总量较小,优质客户资源匮乏。近两年,随着中小股份制商业银行陆续在衡水设立网点,争夺客户资源,金融机构之间的竞争日益激烈。衡水建行在发展过程中面临着客户基础薄弱、信贷结构不合理、业务申报审批效率较低、激励机制落实不到位、人才储备滞后等瓶颈。再有,“金融脱媒”现象也开始对衡水建行大中型公司信贷业务带来一定冲击,传统大客户如老白干、冀衡集团开始寻求在资本市场融资。种种迹象表明,上述发展瓶颈对衡水建行大中型公司信贷业务发展带来了严重的制约。本文从大中型公司信贷的概念出发,采取理论研究与实际经验相结合的方法、在定性研究的基础上采取数据分析比较的方法,结合衡水建行大中型公司信贷业务发展环境及经营实际,详细分析该行大中型公司信贷业务存在的困难和挑战,提出了解决思路、发展对策和保障措施。本文提出的发展对策和保障措施对衡水建行应对外部发展环境、解决自身存在问题及应对发展过程中的困难及挑战具有一定的借鉴意义。
[Abstract]:Hengshui City is an underdeveloped area with a small economic volume and a shortage of high-quality customer resources. In the last two years, with the establishment of small and medium-sized joint-stock commercial banks in Hengshui, they have been competing for customer resources. The competition among financial institutions is increasingly fierce. Hengshui Construction Bank is faced with a weak customer base, unreasonable credit structure, low efficiency in business declaration and approval, and inadequate implementation of the incentive mechanism. Moreover, the phenomenon of "financial disintermediation" has also begun to impact the credit business of large and medium-sized companies in Hengshui Construction Bank. Traditional big clients such as Lao Bai Gan and Ji Heng Group have begun to seek financing in the capital market. The above development bottleneck to Hengshui Construction Bank large and medium-sized company credit business development has brought serious constraints. Based on the concept of credit for large and medium-sized companies, this paper adopts the method of combining theoretical research with practical experience, and adopts the method of data analysis and comparison on the basis of qualitative research. Combined with the development environment and management practice of the credit business of the large and medium-sized companies of Hengshui Construction Bank, this paper analyzes in detail the difficulties and challenges existing in the credit business of the large and medium-sized companies of the bank, and puts forward some solutions. The development countermeasures and safeguard measures put forward in this paper can be used for reference for Hengshui Construction Bank to deal with the external development environment, solve its own problems and deal with the difficulties and challenges in the process of development.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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