發(fā)布時(shí)間：2018-03-16 09:41

  本文選題：中國農(nóng)業(yè)銀行　切入點(diǎn)：中小企業(yè)信貸業(yè)務(wù)　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近幾年,海南省銀行業(yè)迅速發(fā)展,成為當(dāng)前海南經(jīng)濟(jì)的主要融資主體,隨著中信銀行、招商銀行、浦發(fā)銀行、華夏銀行、民生銀行的陸續(xù)入駐,在活躍海南金融業(yè)的同時(shí),也加劇了銀行業(yè)間的競爭程度,銀行業(yè)面臨新一輪洗牌。銀行面對(duì)大客戶盈利趨于穩(wěn)定的情況下,為增加盈利空間,提高競爭能力,響應(yīng)國家政策,紛紛轉(zhuǎn)戰(zhàn)中小企業(yè)客戶,開展中小企業(yè)信貸業(yè)務(wù)。 海南農(nóng)行中小企業(yè)信貸業(yè)務(wù)與同省其他銀行尤其是國有銀行相比,在整體規(guī)模、市場份額、業(yè)務(wù)擴(kuò)展速度方面都稍顯遜色。因此,探討海南農(nóng)行如何開展本省中小企業(yè)信貸業(yè)務(wù),無論是從響應(yīng)當(dāng)?shù)卣龀种行∑髽I(yè)政策、助推海南經(jīng)濟(jì)多元化發(fā)展的角度；還是從提高農(nóng)行海南省分行在本省的市場占有率、提高盈利能力的角度,都是一個(gè)值得研究的課題。 本文在當(dāng)前政府加大力度支持中小企業(yè)發(fā)展的大背景下,先從需求方與供給方兩方面分析海南省中小企業(yè)信貸業(yè)務(wù)的發(fā)展?fàn)顩r,了解所研究對(duì)象所處大環(huán)境,進(jìn)而運(yùn)用SWOT分析法,進(jìn)一步分析農(nóng)行開展中小企業(yè)信貸業(yè)務(wù)自身存在哪些優(yōu)勢與劣勢,怎樣利用外部機(jī)遇加強(qiáng)自身優(yōu)勢建設(shè),最后針對(duì)農(nóng)行自身劣勢提出相關(guān)建議以期完善其開展中小企業(yè)信貸業(yè)務(wù)戰(zhàn)略。
[Abstract]:In recent years, the banking industry of Hainan Province has developed rapidly and become the main financing body in the current Hainan economy. With the arrival of CITIC Bank, China Merchants Bank, Pudong Development Bank, Huaxia Bank, and Minsheng Bank, the Hainan financial industry has been enlivened at the same time. It has also intensified the degree of competition among the banks. The banking sector is facing a new round of reshuffling. In the face of stable profits for major customers, banks have turned to small and medium-sized customers in response to national policies in order to increase profit space, enhance competitiveness and respond to national policies. Developing credit business for small and medium-sized enterprises. Compared with other banks in the province, especially state-owned banks, the SME credit business of Agricultural Bank of Hainan is slightly inferior in terms of overall scale, market share and business expansion speed. To discuss how the Agricultural Bank of Hainan can carry out the credit business of small and medium-sized enterprises in this province, whether from the angle of responding to the local government's policy of supporting small and medium-sized enterprises and promoting the diversified development of Hainan's economy, or by increasing the market share of the Hainan Branch of the Agricultural Bank of China in this province. The angle that raises profit ability, be worth studying a topic. Under the background that the government is increasing its efforts to support the development of small and medium-sized enterprises (SMEs), this paper first analyzes the development situation of SMEs' credit business in Hainan Province from both the demand side and the supply side, and understands the general environment in which the research objects are located. Then using the SWOT analysis method, the author further analyzes the advantages and disadvantages of Agricultural Bank of China (ABC) in developing the credit business of small and medium-sized enterprises, and how to make use of the external opportunities to strengthen the construction of its own advantages. Finally, in view of the disadvantages of Agricultural Bank of China, some suggestions are put forward in order to perfect the credit business strategy of small and medium-sized enterprises.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F276.3;F832.4

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