本文關鍵詞： H銀行 小微企業(yè) 貸款　出處：《華中科技大學》2013年碩士論文　論文類型：學位論文

【摘要】：小微企業(yè)是我國國民經濟重要的組成部分，占我國企業(yè)總數(shù)的95%以上，在增加就業(yè)、促進經濟增長、科技創(chuàng)新與社會和諧穩(wěn)定等方面具有重要的作用。但目前小微企業(yè)卻面臨融資難的重大困境。與此同時，，作為地方性城市商業(yè)銀行的H銀行也面臨著規(guī)模較小、資源有限和地域受限的發(fā)展束縛。隨著利率市場化進程的推進，H銀行只有集中優(yōu)勢與資源，選擇合適的目標市場，開發(fā)針對性強，有競爭力的金融產品才能開拓出一條獨具特色的差異化發(fā)展道路。量多面廣的小微企業(yè)金融市場正是H銀行謀求發(fā)展的突破口。本文就是探討在當前的外部經濟條件下，H銀行怎樣結合自身資源優(yōu)勢制定小微事業(yè)部的發(fā)展戰(zhàn)略。 本文首先介紹了企業(yè)戰(zhàn)略及其研究技術等用于本課題研究的理論。其次，通過PEST分析方法對H銀行小微事業(yè)部所處的政治、經濟、社會、技術以及競爭對手等外部環(huán)境進行了分析，然后對H銀行小微事業(yè)部內部的組織架構、人力資源、產品情況和盈利能力進行了分析。同時，利用SWOT分析方法歸納出H銀行小微事業(yè)部的優(yōu)勢、劣勢、機遇和挑戰(zhàn)，并結合H銀行自身特點，根據(jù)戰(zhàn)略匹配，將打造小微品牌，迅速擴大市場份額和完善風控體系，有效控制風險作為H銀行小微事業(yè)部的發(fā)展戰(zhàn)略。最后，根據(jù)既定戰(zhàn)略明確市場定位和目標，并將集中優(yōu)勢重點突破和差異化作為戰(zhàn)略指導思想，從人力資源、組織架構、營銷策略和風險管理四方面提出適合H銀行小微事業(yè)部發(fā)展的職能戰(zhàn)略。
[Abstract]:Small and micro enterprises are an important part of our national economy, accounting for more than 95% of the total number of enterprises in China, increasing employment and promoting economic growth. Science and technology innovation and social harmony and stability play an important role, but at present small and micro enterprises are faced with a major dilemma of financing. At the same time, as a local city commercial bank, H bank is also facing a relatively small scale. With the advancement of the interest rate marketization process, the bank can only concentrate its advantages and resources, select the appropriate target market, and develop with strong pertinence. Only competitive financial products can open up a unique road of differentiated development. The financial market of small and micro enterprises with a wide range of quantities is the breakthrough for bank H to seek development. This article is to discuss the current external economy. Under conditions. How H bank combines its own resource advantage to formulate the development strategy of small microbusiness department. Firstly, this paper introduces the theory of enterprise strategy and its research technology used in this research. Secondly, through the method of PEST analysis, the paper analyzes the politics, economy and society of the small and micro business department of H bank. Technology and competitors and other external environments are analyzed, and then the internal structure, human resources, product situation and profitability of the small microunit of H Bank are analyzed. Using the SWOT analysis method to sum up the strengths, weaknesses, opportunities and challenges of the small microbusiness department of H Bank, and combining with the characteristics of H Bank, according to the strategic matching, will build a small micro-brand. Rapidly expand market share and improve risk control system, effectively control risk as the development strategy of small and micro unit of H bank. Finally, according to the established strategy to clarify the market positioning and objectives. Taking the breakthrough and differentiation of concentrated advantage as the strategic guiding ideology, this paper puts forward a functional strategy suitable for the development of small and micro unit of H Bank from four aspects: human resources, organizational structure, marketing strategy and risk management.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F272;F832.33

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