小微信贷业务现状考察及其在国有商业银行的发展策略
发布时间：2019-02-20 09:06
【摘要】：小微企业是社会发展和国民经济的重要基础，在增加收入、扩大就业、改善民生、促进稳定等方面具有举足轻重的作用。近年来，国内小微企业信贷业务发展迅猛，并获得了政府一系列积极的政策支持。然而发展大势之下，我国小微企业信贷业务依然存在诸如信息不对称阻碍风险管理、运营吞吐瓶颈日现、法律地位及监管问题突出等问题。尤为值得一提的是，银行作为小微企业信贷业务发展的重要参与者，其在业务开展及服务方面尚存在较大改进空间，某种程度上加剧了小微企业融资难的困顿局面，也使得相关领域的思考与创新具有现实意义。 纵观国内目前主流的小微企业信贷模式，主要包括：①以深圳地区较早发展起来的小贷公司为代表的小额贷款公司模式；②以捷信为代表的消费金融模式；③以平安信用保证保险为代表的保险模式；④以阿里巴巴为代表的电子商务平台模式；⑤以宜信为代表的P2P互联网模式；⑥以渣打银行、国家开发银行、中国建设银行、民生银行、招商银行等为代表的各类银行模式。各模式互有利弊，具有借鉴意义。 作为国有股份制商业银行的代表，交通银行小微企业信贷业务发展态势良好，贷款规模持续增长，，不良贷款率处于较低水平，风险总体可控。但也应看到，交行小微企业信贷业务的发展也同时面临着来自业务发展及经营管理模式两方面的压力。面对这一挑战，笔者建议未来可通过：①清晰业务边界、②健全管理架构、③改善运营模式、④优化激励考核、⑤创新业务产品、⑥紧抓风险管理等途径，助推交通银行小微信贷业务转型升级，迎来更大发展。
[Abstract]:Small and micro-enterprises are the important foundation of social development and national economy, and play an important role in increasing income, expanding employment, improving people's livelihood and promoting stability. In recent years, the domestic small and micro-enterprise credit business develops rapidly, and has obtained a series of active policy support from the government. However, under the development trend, there are still some problems such as information asymmetry hindering risk management, operation bottleneck day, legal status and supervision problems in the credit business of small and micro-enterprises in our country. In particular, as an important participant in the development of microenterprise credit operations, banks still have much room for improvement in business development and services, which to some extent exacerbates the difficult situation of financing for small and micro enterprises. Also make the relevant field of thinking and innovation has practical significance. The main credit models of small and micro enterprises in China include: (1) the small loan companies developed earlier in Shenzhen, (2) the consumption finance model represented by Jexin; (3) Insurance mode represented by Ping an credit guarantee insurance; (4) E-commerce platform model represented by Alibaba; (5) P2P Internet model represented by Yixin; Standard Chartered Bank, China Development Bank, China Construction Bank, Minsheng Bank, China Merchants Bank, etc. Each model has advantages and disadvantages, has the reference significance. As the representative of the state-owned joint-stock commercial banks, the credit business of the small and micro-enterprises of the Bank of Communications develops well, the loan scale continues to increase, the rate of non-performing loans is in a relatively low level, and the risk is generally controllable. However, it should also be seen that the development of small and micro-enterprise credit business is also facing pressure from the business development and management model. In the face of this challenge, the author suggests that in the future, the following ways can be adopted: (1) clear business boundary, (2) sound management structure, (3) improvement of operation mode, (4) optimization of incentive assessment, (5) innovation of business products, (6) grasping risk management, etc. Promote Bank of Communications small and micro-credit business transformation and upgrading, ushered in greater development.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2427033
[Abstract]:Small and micro-enterprises are the important foundation of social development and national economy, and play an important role in increasing income, expanding employment, improving people's livelihood and promoting stability. In recent years, the domestic small and micro-enterprise credit business develops rapidly, and has obtained a series of active policy support from the government. However, under the development trend, there are still some problems such as information asymmetry hindering risk management, operation bottleneck day, legal status and supervision problems in the credit business of small and micro-enterprises in our country. In particular, as an important participant in the development of microenterprise credit operations, banks still have much room for improvement in business development and services, which to some extent exacerbates the difficult situation of financing for small and micro enterprises. Also make the relevant field of thinking and innovation has practical significance. The main credit models of small and micro enterprises in China include: (1) the small loan companies developed earlier in Shenzhen, (2) the consumption finance model represented by Jexin; (3) Insurance mode represented by Ping an credit guarantee insurance; (4) E-commerce platform model represented by Alibaba; (5) P2P Internet model represented by Yixin; Standard Chartered Bank, China Development Bank, China Construction Bank, Minsheng Bank, China Merchants Bank, etc. Each model has advantages and disadvantages, has the reference significance. As the representative of the state-owned joint-stock commercial banks, the credit business of the small and micro-enterprises of the Bank of Communications develops well, the loan scale continues to increase, the rate of non-performing loans is in a relatively low level, and the risk is generally controllable. However, it should also be seen that the development of small and micro-enterprise credit business is also facing pressure from the business development and management model. In the face of this challenge, the author suggests that in the future, the following ways can be adopted: (1) clear business boundary, (2) sound management structure, (3) improvement of operation mode, (4) optimization of incentive assessment, (5) innovation of business products, (6) grasping risk management, etc. Promote Bank of Communications small and micro-credit business transformation and upgrading, ushered in greater development.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
【参考文献】
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本文编号：2427033
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