本文關(guān)鍵詞：寧波鄞州農(nóng)村合作銀行微小貸款業(yè)務(wù)發(fā)展研究　出處：《南京農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：小微企業(yè)融資難問題普遍存在,絕大部分小微企業(yè)具有經(jīng)營不規(guī)范、管理不科學(xué)、報表不健全、經(jīng)營壽命短、抗風(fēng)險能力弱、信用風(fēng)險高又缺乏抵押擔(dān)保物等普遍特點(diǎn),再加上正規(guī)金融機(jī)構(gòu)傾向于認(rèn)為服務(wù)小微企業(yè)具有“成本投入高,潛在風(fēng)險大”等問題,一直以來都不愿意參與小微企業(yè)的金融服務(wù)。但是,從近年來的數(shù)據(jù)顯示,小微企業(yè)卻是解決就業(yè)的主要渠道,我國很多創(chuàng)業(yè)者往往是從小微企業(yè)起步。作為世界上人口最多的國家,大力發(fā)展小微企業(yè)對于我國解決就業(yè)、穩(wěn)定社會和促進(jìn)經(jīng)濟(jì)社會和諧健康發(fā)展,無疑都具有重要的戰(zhàn)略意義。同時,有一部分創(chuàng)業(yè)者從經(jīng)營小微企業(yè)起步,經(jīng)過一段時間的磨煉,逐步成長為優(yōu)秀的企業(yè)家,其原來經(jīng)營的小微企業(yè)也逐漸成長為小企業(yè)、中型企業(yè),甚至大企業(yè),從而在國民經(jīng)濟(jì)中扮演起更關(guān)鍵的角色,發(fā)揮著更重要的作用。因此,小微企業(yè)的重要性顯然不應(yīng)被低估,解決小微企業(yè)融資難問題意義深遠(yuǎn)。 本文綜合運(yùn)用文獻(xiàn)梳理、理論分析、經(jīng)驗總結(jié)與實證研究等方法,基于微小客戶融資難問題,確立研究視角和論文框架。第一章簡要交待研究背景和意義,展示目前國內(nèi)外對微小貸款研究的現(xiàn)狀以及本論文可能存在的創(chuàng)新和不足；第二章界定了微小貸款的定義和客戶范疇,并介紹了微小貸款的相關(guān)理論基礎(chǔ)；第三章主要是引入三家國內(nèi)外開展微貸業(yè)務(wù)機(jī)構(gòu)的成功實踐經(jīng)驗,為寧波鄞州農(nóng)村合作銀行(以下簡稱鄞州銀行)開展微貸業(yè)務(wù)提供借鑒；第四章概述了鄞州銀行近三年來在引入德國IPC公司微貸技術(shù)支持下的微小貸款運(yùn)作現(xiàn)狀,并調(diào)查分析該行微小貸款業(yè)務(wù)特征及存在的一些問題并提出相應(yīng)的工作措施。第五章運(yùn)用德國IPC公司的微貸技術(shù),結(jié)合案例分析,將現(xiàn)金流分析技術(shù)運(yùn)用于具體操作層面,更加切實地展現(xiàn)了微貸業(yè)務(wù)的處理流程；最后是對論文作總結(jié)回顧,并提出政策建議。 實踐表明,基于現(xiàn)金流分析的信貸調(diào)查分析技術(shù)是卓有成效的,鄞州銀行通過引入該項技術(shù),有效緩解了轄區(qū)內(nèi)小微企業(yè)的生產(chǎn)和發(fā)展問題。在今后的發(fā)展過程中,需要不斷充實隊伍建設(shè)、優(yōu)化業(yè)務(wù)流程、培育健康信貸文化以及創(chuàng)新信貸產(chǎn)品等舉措,才能確保項目取得長期可持續(xù)健康發(fā)展。
[Abstract]:The financing problem of small and micro enterprises is very common. Most of them have non-standard management, unscientific management, imperfect financial statements, short operating life and weak ability to resist risks. High credit risk and lack of collateral are common characteristics, plus formal financial institutions tend to think that service small and micro enterprises have "high cost investment, high potential risk" and other issues. There has been a reluctance to participate in the financial services of small and micro enterprises, but from recent years data show that small and micro enterprises are the main source of employment. As the most populous country in the world, the development of small and micro enterprises will solve the problem of employment, stabilize the society and promote the harmonious and healthy development of economy and society. At the same time, some entrepreneurs from the start of small and micro enterprises, after a period of time, gradually grow into excellent entrepreneurs. Its original small and micro enterprises also gradually grow into small enterprises, medium-sized enterprises, and even large enterprises, thus playing a more critical role in the national economy, playing a more important role. Obviously, the importance of small and micro enterprises should not be underestimated. It is of great significance to solve the financing difficulties of small and micro enterprises. In this paper, literature review, theoretical analysis, empirical summary and empirical research are used to establish the research perspective and framework based on the difficulty of micro-client financing. The first chapter briefly describes the research background and significance. To show the current domestic and foreign research on micro-credit status and this paper may be innovative and inadequate; The second chapter defines the definition of micro-credit and customer category, and introduces the theoretical basis of micro-credit; The third chapter mainly introduces the successful practical experience of three domestic and foreign micro-loan business institutions, and provides reference for Ningbo Yinzhou Rural Cooperative Bank (hereinafter referred to as Yinzhou Bank) to carry out micro-loan business. Chapter 4th summarizes the operating status of Yinzhou Bank in the past three years under the support of the introduction of IPC technology. And investigate and analyze the characteristics of the bank's micro-loan business and some problems and put forward the corresponding work measures. Chapter 5th uses the micro-loan technology of IPC Company of Germany combined with a case study. The cash flow analysis technology is applied to the specific operation level, which shows the processing process of the micro-loan business more effectively. Finally, the paper is summarized and reviewed, and put forward policy recommendations. Practice shows that the credit investigation and analysis technology based on cash flow analysis is effective, Yinzhou Bank through the introduction of this technology. Effectively alleviate the production and development of small and micro enterprises in the area. In the future development process, we need to constantly enrich the team building, optimize business processes, foster a healthy credit culture and innovative credit products and other measures. To ensure long-term sustainable and healthy development of the project.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F276.3

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