ZGS银行宁夏分行小微企业信贷业务创新研究

发布时间：2018-06-26 19:57

本文选题：商业银行 + 小微企业　；参考：《西北大学》2013年硕士论文

【摘要】：随着世界经济一体化的进程加快,我国的经济也得到了迅猛发展,其中属小型与微型企业的发展最为迅速,现如今小微企业已经成为我国创建和谐社会与发展社会主义经济的重要支柱。小微企业为我国实现经济快速增长、促进市场繁荣、鼓励技术创新和扩大基层就业奠定了重要的基石,其灵活的转向运行机制和较强的市场适应能力,大力的推动了我国体制改革、经济发展、社会和谐和对外开放的局面。小微企业的影响之深远,尤其表现在优化我国经济结构、提高市场效率、完善市场经济体制等诸多方面。但是目前我国的商业银行信贷业务正面临着严峻的考验和残酷的竞争,随着世界各国金融市场的快速发展和我国对外开放的程度不断提高,现今的金融产品已经不能满足社会经济生活的实际需求。在这种压力重重,竞争激烈的环境下,“蓝海”作为新一代的信贷战略产品应运而生。为顺应现代经济形势,ZGS银行宁夏分行将调整业务结构,在信贷业务上寻找新的目标,全面开拓小微企业信贷业务市场。本论文围绕ZGS银行为小微企业提供创新性信贷业务为中心。通过对国内外商业银行针对中小企业信贷业务的研究、实施现状,探讨商业银行开展小微企业信贷业务的必要性,深入分析ZGS银行宁夏分行在促进小微企业信贷业务中出现的一系列问题,提出ZGS银行小微企业新型信贷业务的发展策略,创新小微企业信贷支持业务的优化模式,从而使ZGS银行在小微企业信贷业务占据一席之地,完善业务结构,增强ZGS银行在业内的市场竞争力,使ZGS银行发展的更大、更强。
[Abstract]:With the acceleration of the process of world economic integration, China's economy has also been rapidly developed, among which small and micro enterprises have the most rapid development. Nowadays, small and micro enterprises have become an important pillar of building a harmonious society and developing socialist economy in our country. Small and micro enterprises have laid an important foundation for our country to achieve rapid economic growth, promote market prosperity, encourage technological innovation and expand grass-roots employment. Vigorously promote our country's system reform, economic development, social harmony and opening to the outside world. The influence of small and micro enterprises is far-reaching, especially in optimizing our country's economic structure, improving market efficiency, perfecting market economy system and so on. However, at present, the credit business of commercial banks in our country is facing a severe test and cruel competition. With the rapid development of financial markets in various countries of the world and the continuous improvement of the degree of our country's opening to the outside world, Today's financial products have not been able to meet the actual needs of social and economic life. In this kind of pressure, the fierce competition environment, "Blue Sea" as a new generation of credit strategy products came into being. In order to adapt to the modern economic situation, ZGS Bank Ningxia Branch will adjust its business structure, look for new targets in credit business, and fully open up the credit market of small and micro enterprises. This thesis centers around ZGS Bank to provide innovative credit business for small and micro enterprises. Through the research of domestic and foreign commercial banks aiming at the credit business of small and medium-sized enterprises, the paper discusses the necessity of developing the small and micro enterprise credit business in commercial banks. This paper deeply analyzes a series of problems in promoting the credit business of small and micro enterprises in Ningxia Branch of ZGS Bank, puts forward the development strategy of the new type of credit business of small and micro enterprises of ZGS Bank, and innovates the optimization mode of credit support business of small and micro enterprises. So that ZGS bank in the small and micro enterprise credit business occupy a place, improve the business structure, enhance the market competitiveness of ZGS bank in the industry, make the development of ZGS bank bigger and stronger.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】