發(fā)布時間：2018-02-04 09:41

  本文關鍵詞： 重慶HH小額貸款公司 戰(zhàn)略管理 SWOT分析　出處：《西南財經(jīng)大學》2013年碩士論文　論文類型：學位論文

【摘要】：在我國金融業(yè)改革力度不斷加大、金融產(chǎn)品創(chuàng)新不斷加速的背景下,國家積極嘗試建立新的小型金融機構,以健全我國金融機構體系,解決“三農(nóng)”和中小微企業(yè)融資難題。小額貸款,作為一種金融服務的創(chuàng)新模式,對豐富我國金融機構種類、規(guī)范民間融資市場、促進民營經(jīng)濟健康發(fā)展起到了重要的作用。 重慶HH小額貸款公司(簡稱HH公司)成立于2008年,是重慶市第一家小額貸款公司。2009年HH成都小額貸款公司注冊成立,標志著操作規(guī)范、手續(xù)合法的民間小額貸款業(yè)務率先在西部重慶、成都正式登臺。HH公司目前在重慶、成都、天津、沈陽、南寧、長春等設有營業(yè)機構。 目前,HH公司在經(jīng)營過程中面臨著激烈的行業(yè)競爭。同時,公司內(nèi)部在發(fā)展過程中也存在許多問題,如職業(yè)團隊建設落后、融資困難、信貸與信息技術相對落后等。 本文是筆者經(jīng)過EMBA兩年多時間學習,應用自身所學戰(zhàn)略管理知識,對自己所在HH公司的發(fā)展進行探析。本文目的是通過明晰公司目前存在的突出問題,分析其所處的內(nèi)外部環(huán)境,找出原因,進而找出解決問題的方法和建議,使HH公司更好地為小額貸款群體服務,從而促進HH公司的全面健康與可持續(xù)發(fā)展。本文共分四個章節(jié)： 第一章HH公司概述。本章首先概述了國內(nèi)小額貸款的基本情況和發(fā)展小額貸款的意義。然后概述了HH公司的目標群體、業(yè)務特點、主要經(jīng)營特點。最后給出了HH公司在當前發(fā)展中存在的突出問題。 第二章HH公司戰(zhàn)略分析。本章首先對HH公司進行外部宏觀環(huán)境分析；其次,對HH公司所處整體行業(yè)環(huán)境進行波特五力分析；最后,運用SWOT分析模型,總結出了HH公司內(nèi)部的優(yōu)勢與劣勢、外部的機遇與威脅。通過本章對HH公司所處內(nèi)外部環(huán)境各因素及公司SWOT矩陣所進行地分析,為第三章HH公司制定發(fā)展戰(zhàn)略提供了依據(jù)。 第三章HH公司發(fā)展戰(zhàn)略制定。本章在前一章對HH公司戰(zhàn)略分析的基礎上,明確提出了HH公司的發(fā)展目標,制定出了HH公司的總體戰(zhàn)略和發(fā)展戰(zhàn)略,并在發(fā)展目標和發(fā)展戰(zhàn)略的指導下制定公司的業(yè)務戰(zhàn)略。 第四章HH公司發(fā)展戰(zhàn)略實施與控制。本章圍繞HH公司存在的突出問題,從建立公司戰(zhàn)略規(guī)劃體系、構建符合上市要求的公司治理機制、建立精細化、全流程的風險管理體系、加強職業(yè)團隊建設和人力資源管理、構建多元化融資體系、開發(fā)創(chuàng)新微型信貸技術和管理技術、強化公司戰(zhàn)略控制措施等七個方面,提出了HH公司發(fā)展戰(zhàn)略實施與控制的具體建議。 筆者期望通過本文能使HH公司及時、有效地應對公司經(jīng)營管理過程中所面臨的各種內(nèi)外部環(huán)境變化,并結合公司自身實際能力提出有效的應對措施,然后嚴格地按照相應解決措施去執(zhí)行,從而為HH公司的長遠發(fā)展打下堅實的基礎。 由于筆者實際經(jīng)驗和所學知識有限,文中錯誤、紕漏之處,請各位專家學者指正。謹致以衷心的感謝!
[Abstract]:Under the background that the reform of our financial industry is increasing and the innovation of financial products is accelerating, our country is actively trying to establish a new small financial institution to perfect the financial institution system of our country. Microfinance, as an innovative model of financial services, will enrich the types of financial institutions in China and standardize the private financing market. Promoting the healthy development of private economy has played an important role. Chongqing HH Microloan Company (HH Company) was founded in 2008, is the first microfinance company in Chongqing. HH Chengdu Microloan Company was registered in 2009, marking the standard of operation. At present, HH Company has set up business organizations in Chongqing, Chengdu, Tianjin, Shenyang, Nanning, Changchun and so on in Chongqing, Chengdu, Tianjin, Shenyang, Nanning, Changchun and so on. At present, HH Company is facing fierce industry competition in the process of operation. At the same time, there are many problems in the development process of the company, such as the backward construction of professional team and the difficulty of financing. Credit and information technology are relatively backward. This article is the author after more than two years of EMBA learning, the application of their own knowledge of strategic management. The purpose of this paper is to analyze the internal and external environment of HH company, and then find out the methods and suggestions to solve the problem. To make HH Company better serve the microfinance community, thus promoting the overall health and sustainable development of HH Company. This paper is divided into four chapters: The first chapter is an overview of HH Company. This chapter firstly summarizes the basic situation of domestic microfinance and the significance of developing microfinance. Then it outlines the target group and business characteristics of HH Company. Finally, the prominent problems of HH Company in the current development are given. The second chapter is the strategic analysis of HH Company. Secondly, the whole industry environment of HH Company is analyzed by Porter five Forces. Finally, using SWOT analysis model, summed up the internal strengths and weaknesses of HH. This chapter analyzes the factors of HH company's internal and external environment and the company's SWOT matrix, which provides the basis for the third chapter HH company's development strategy. The third chapter is about the development strategy of HH Company. Based on the analysis of HH Company's strategy in the previous chapter, this chapter clearly puts forward the development goal of HH Company, and formulates the overall strategy and development strategy of HH Company. And under the guidance of the development goals and development strategy to formulate the company's business strategy. Chapter 4th HH company development strategy implementation and control. This chapter focuses on the outstanding problems of HH company, from the establishment of company strategic planning system, construction of corporate governance mechanism in line with the requirements of listing, the establishment of fine. The whole process of risk management system, strengthen the professional team construction and human resources management, build a diversified financing system, develop innovative micro-credit technology and management technology, strengthen the company strategy control measures. Some suggestions on the implementation and control of HH company's development strategy are put forward. The author hopes to make HH company timely and effectively respond to all kinds of internal and external environmental changes in the course of management and put forward effective measures. Then strictly according to the corresponding measures to implement, thus laying a solid foundation for the long-term development of HH. Due to the author's practical experience and knowledge is limited, the text errors, flaws, please correct the experts and scholars. I would like to express my heartfelt thanks!
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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