發(fā)布時間：2018-05-03 01:21

  本文選題：商業(yè)銀行 + 小微企業(yè)��； 參考：《華中科技大學(xué)》2013年碩士論文

【摘要】：隨著我國社會經(jīng)濟(jì)體制的不斷完善和金融體制的改革發(fā)展，國內(nèi)小微企業(yè)呈現(xiàn)出良好的發(fā)展形式和強(qiáng)烈的發(fā)展需求，，但是各種條件影響下，無法得到商業(yè)銀行全方位的和及時的金融服務(wù)。同時，我國社會經(jīng)濟(jì)市場化迅速推進(jìn)，我國商業(yè)銀行之間的行業(yè)競爭也越演越烈，業(yè)務(wù)戰(zhàn)略方向的轉(zhuǎn)型迫在眉梢。因此，商業(yè)銀行小微企業(yè)金融服務(wù)發(fā)展成為我國當(dāng)前各界共同關(guān)注的重要問題。 本文主要從如何完善我國商業(yè)銀行小微企業(yè)金融服務(wù)的角度來闡述，通過對我國商業(yè)銀行小微企業(yè)金融服務(wù)的研究，來探討我國商業(yè)銀行小微企業(yè)金融服務(wù)發(fā)展的必要性，并分析我國商業(yè)銀行小微企業(yè)金融服務(wù)發(fā)展的可行性，最終提出切實可行的策略建議。本文從對商業(yè)銀行小微企業(yè)金融服務(wù)相關(guān)概念的闡述出發(fā)，在此基礎(chǔ)上，分析了我國小微企業(yè)為了保證正常經(jīng)營發(fā)展，對商業(yè)銀行金融服務(wù)的需求情況，并且重點分析了我國商業(yè)銀行對小微企業(yè)金融服務(wù)現(xiàn)狀。雖然我國商業(yè)銀行在對小微企業(yè)金融服務(wù)方面做了一定的努力，但依然無法完全滿足小微企業(yè)的資金需求，嚴(yán)重影響了商業(yè)銀行和小微企業(yè)的可持續(xù)發(fā)展。可見，我國商業(yè)銀行小微企業(yè)金融服務(wù)的改革和完善亟待解決。為此，本文從我國商業(yè)銀行利益、小微企業(yè)面臨的經(jīng)營困難、國外發(fā)展經(jīng)驗及發(fā)展條件等幾個方面分析了我國商業(yè)銀行小微企業(yè)金融服務(wù)發(fā)展的可行性，得出了我國商業(yè)銀行小微企業(yè)金融服務(wù)發(fā)展必要性的結(jié)論。最后，本文從農(nóng)業(yè)銀行的內(nèi)部組織結(jié)構(gòu)、客戶選擇方法、經(jīng)營策略、營銷手段、創(chuàng)新發(fā)展以及風(fēng)險管控等方面，重點提出我國商業(yè)銀行完善小微企業(yè)金融服務(wù)的模式和策略。我國商業(yè)銀行需要繼續(xù)強(qiáng)化小微企業(yè)客戶關(guān)系創(chuàng)建管理，把服務(wù)模式確定在客戶選擇階段、金融產(chǎn)品營銷階段、優(yōu)質(zhì)客戶的維護(hù)拓展階段以及存量客戶的挖潛階段，制定相應(yīng)的金融服務(wù)策略。
[Abstract]:With the continuous improvement of China's social and economic system and the reform and development of the financial system, domestic small and micro enterprises have shown a good form of development and strong development needs, but under the influence of various conditions, Lack of access to commercial banks all-round and timely financial services. At the same time, with the rapid development of our country's social and economic marketization, the trade competition among commercial banks in our country is becoming more and more intense, and the transformation of business strategy direction is pressing at the top of the eyebrow. Therefore, the development of small and micro-enterprise financial services of commercial banks has become an important issue of common concern in all walks of life in our country. From the angle of how to perfect the financial service of the small and micro enterprises of the commercial banks of our country, this paper discusses the necessity of the development of the financial services of the small and micro enterprises of the commercial banks of our country through the research of the financial services of the small and micro enterprises of the commercial banks of our country. Finally, the paper analyzes the feasibility of the development of small and micro enterprises' financial services in China's commercial banks, and finally puts forward some feasible suggestions. Based on the analysis of the related concepts of the financial services of small and micro enterprises in commercial banks, this paper analyzes the demand for the financial services of commercial banks in order to ensure the normal operation and development of the small and micro enterprises in our country. It also analyzes the current situation of commercial banks' financial services to small and micro enterprises. Although China's commercial banks have made some efforts in the financial services of small and micro enterprises, they still can not fully meet the financial needs of small and micro enterprises, which seriously affect the sustainable development of commercial banks and small and micro enterprises. Therefore, the reform and perfection of the small and micro-enterprise financial service of commercial banks in our country need to be solved urgently. Therefore, this paper analyzes the feasibility of the development of the financial service of the small and micro enterprises in China from the following aspects: the interests of commercial banks in our country, the difficulties faced by small and micro enterprises, the development experience of foreign countries and the development conditions, etc. The conclusion is drawn that it is necessary for the development of the financial services of the small and micro enterprises of commercial banks in our country. Finally, from the aspects of internal organization structure, customer selection method, management strategy, marketing means, innovation and development, risk management and control, this paper puts forward the mode and strategy of perfecting the financial service of small and micro enterprises in China's commercial banks. The commercial banks of our country need to continue to strengthen the customer relationship creation management of small and micro enterprises, and determine the service mode in the stage of customer selection, the stage of financial product marketing, the stage of maintenance and expansion of high quality customers, and the stage of tapping the potential of customers in stock. Formulate the corresponding financial service strategy.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33;F276.3

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