本文選題：湖南省農(nóng)業(yè)銀行　切入點：中小企業(yè)　出處：《湖南大學》2013年碩士論文　論文類型：學位論文

【摘要】：近年來，長沙地區(qū)的中小企業(yè)在數(shù)量和規(guī)模上發(fā)展快速，成為經(jīng)濟發(fā)展的發(fā)動機和推動器。同時，長沙地區(qū)銀行業(yè)金融機構(gòu)已經(jīng)意識到中小企業(yè)客戶群體拓展帶來的巨大利益，中小企業(yè)信貸市場的競爭越來越激烈。中國農(nóng)業(yè)銀行總行提出了大力發(fā)展中小企業(yè)信貸業(yè)務、積極搶占中小企業(yè)信貸市場的經(jīng)營戰(zhàn)略，這對湖南省農(nóng)行營業(yè)部發(fā)展中小企業(yè)信貸業(yè)務提出了更高的要求。然而，農(nóng)行營業(yè)部正處于銀行改制后的轉(zhuǎn)型期，其信貸業(yè)務發(fā)展戰(zhàn)略仍延續(xù)“雙大”戰(zhàn)略，對中小企業(yè)客戶重視不足。因而，如何促進湖南省農(nóng)行營業(yè)部中小企業(yè)信貸業(yè)務拓展成為一個值得研究的課題。 本文首先對選題的背景、意義，國內(nèi)外相關(guān)文獻，以及研究的內(nèi)容和方法進行了簡要的介紹；然后，針對湖南省農(nóng)行營業(yè)部的基本情況及在開展中小企業(yè)信貸業(yè)務過程中出現(xiàn)的問題及原因進行分析，并結(jié)合該業(yè)務發(fā)展的宏微觀環(huán)境，SWOT分析該行發(fā)展中小企業(yè)信貸業(yè)務的優(yōu)劣勢及機會和威脅；接著，根據(jù)湖南省農(nóng)行營業(yè)部特點，著重從信貸業(yè)務戰(zhàn)略定位、營銷組合策略、豐富擔保品種、建立科學的中小企業(yè)信貸業(yè)務評價體系等4個方面進行策略設計；最后，為確保中小企業(yè)信貸業(yè)務拓展策略的順利實施，完善了相應的組織及評價體系保障，并對策略實施效果進行了綜合評價。 本文的研究意義在于，通過對湖南省分行農(nóng)行營業(yè)部開展中小企業(yè)信貸業(yè)務的分析，提出更為適合長沙本地的中小企業(yè)信貸需求特點和符合農(nóng)行湖南省分行營業(yè)部實際情況的中小企業(yè)信貸業(yè)務發(fā)展策略，對農(nóng)行湖南省分行營業(yè)部發(fā)展中小企業(yè)信貸業(yè)務具有一定的指導作用。
[Abstract]:In recent years, small and medium-sized enterprises in Changsha have developed rapidly in number and scale, and become the engine and driver of economic development. At the same time, the banking and financial institutions in Changsha have realized the huge benefits brought by the expansion of small and medium-sized enterprises' customer groups. The competition in the credit market of small and medium-sized enterprises is becoming more and more intense. The head office of Agricultural Bank of China has put forward the management strategy of vigorously developing the credit business of small and medium-sized enterprises and actively seizing the credit market of small and medium-sized enterprises. This puts forward higher requirements for the development of small and medium-sized enterprises' credit business by the Business Department of Agricultural Bank of Hunan Province. However, Agricultural Bank of China's business department is in the transition period after the reform of the banking system, and its credit business development strategy still continues the "double big" strategy. Therefore, it is worth studying how to promote the development of SME credit business in Agricultural Bank of Hunan Province. In this paper, the background, significance, domestic and foreign literature, and research contents and methods of the topic are briefly introduced. According to the basic situation of Hunan Agricultural Bank's business department and the problems and reasons in the process of developing the small and medium-sized enterprises' credit business, Combined with the macro and micro environment of the business development, SWOT analyzes the advantages and disadvantages, opportunities and threats of the bank's development of small and medium-sized enterprises' credit business, and then, according to the characteristics of Hunan Agricultural Bank's business department, it focuses on the strategic positioning of the credit business and the marketing mix strategy. In order to ensure the smooth implementation of the SME credit business expansion strategy, the corresponding organization and evaluation system is improved, and four aspects of strategy design are carried out to enrich the guarantee varieties and establish a scientific evaluation system for SMEs' credit business, and finally, to ensure the smooth implementation of the SME credit business expansion strategy, The implementation effect of the strategy is evaluated synthetically. The significance of this paper lies in the analysis of the credit business of small and medium-sized enterprises carried out by the branch of Agricultural Bank of Hunan Province. Put forward the development strategy of SME credit business, which is more suitable for the characteristics of credit demand of small and medium-sized enterprises in Changsha and the actual situation of the business department of Agricultural Bank of Hunan Province. Agricultural Bank of Hunan Branch Business Department to develop small and medium-sized credit business has a certain role in guidance.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F276.3;F832.4

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