本文選題：哈爾濱銀行 + 小企業(yè)��； 參考：《哈爾濱工業(yè)大學》2013年碩士論文

【摘要】：我國小企業(yè)在國民經濟發(fā)展中發(fā)揮著越來越重要的作用。政府對小企業(yè)的健康快速發(fā)展高度重視，先后出臺了一系列促進小企業(yè)發(fā)展的的財稅、金融政策措施，小企業(yè)發(fā)展的外部環(huán)境不斷優(yōu)化。就地方政府而言，小企業(yè)的發(fā)展是可持續(xù)發(fā)展戰(zhàn)略能否成功推進的關鍵，小企業(yè)信貸業(yè)務的發(fā)展是當地商業(yè)銀行能否科學發(fā)展的關鍵。哈爾濱銀行作為以發(fā)展小額信貸作為發(fā)展戰(zhàn)略，以小企業(yè)信貸作為核心業(yè)務，立足本土服務中小的城市商業(yè)銀行，小企業(yè)信貸業(yè)務也在不斷的推進中遭遇了發(fā)展困境。從發(fā)展的角度考慮，持續(xù)改進小企業(yè)信貸業(yè)務經營和管理策略，推動小企業(yè)信貸業(yè)務快速發(fā)展，是哈爾濱銀行經營發(fā)展的必然要求。 本文對哈爾濱銀行小企業(yè)信貸業(yè)務經營管理中存在的問題進行了深入分析，，指出受思想觀念、信貸管理體制、外部發(fā)展環(huán)境等因素制約，哈爾濱銀行小企業(yè)信貸業(yè)務在信貸業(yè)務營銷、貸前調查、貸后管理、人員素質等各方面均存在不適應小企業(yè)信貸業(yè)務發(fā)展的問題。針對哈爾濱銀行小企業(yè)信貸業(yè)務發(fā)展中存在的問題，圍繞小企業(yè)信貸業(yè)務發(fā)展的戰(zhàn)略目標，緊密結合小企業(yè)信貸業(yè)務流程，提出了信貸人員管理、基于市場細分的多層次營銷、標準化貸前調查、集中化貸后管理和外部發(fā)展環(huán)境優(yōu)化等方面的策略建議。為確保各項發(fā)展策略得到有效實施，提出了設立集中化小企業(yè)信貸業(yè)務管理部門、建立發(fā)展策略支持系統(tǒng)、開展實施前培訓、高層管理者支持、溝通反饋渠道建設、小企業(yè)信貸業(yè)務質量控制、和諧發(fā)展環(huán)境建設等方面的保障措施。 本文的研究旨在為哈爾濱銀行發(fā)展小企業(yè)信貸業(yè)務提供合理化策略建議，助推哈爾濱銀行小企業(yè)信貸業(yè)務快速健康發(fā)展。
[Abstract]:Small enterprises in China are playing a more and more important role in the development of national economy. The government attaches great importance to the healthy and rapid development of small enterprises and has issued a series of fiscal and financial policies and measures to promote the development of small enterprises. The external environment for the development of small enterprises is constantly optimized. As far as local governments are concerned, the development of small enterprises is the key to the success of sustainable development strategy, and the development of small business credit is the key to the scientific development of local commercial banks. Harbin Bank as the development of micro-credit as a development strategy, small enterprise credit as the core business, based on the local service small city commercial bank, small enterprise credit business is also constantly in the process of development difficulties. From the point of view of development, it is an inevitable requirement for Harbin Bank to continuously improve the management and management strategy of credit business of small enterprises and promote the rapid development of credit business of small enterprises. This paper analyzes deeply the problems existing in the management of the credit business of the small enterprises of Harbin Bank, and points out that the problems are restricted by the ideologies, the credit management system, the external development environment, and so on. The credit business of the small enterprise of Harbin Bank is not suitable for the development of the credit business of the small enterprise in the aspects of credit business marketing, investigation before the loan, management after the loan, personnel quality and so on. In view of the problems existing in the development of the credit business of the small enterprises of Harbin Bank, the paper puts forward the management of credit personnel and the multi-level marketing based on the market segmentation, focusing on the strategic goal of the development of the credit business of the small enterprises and closely combining the credit business process of the small enterprises. Policy suggestions on standardized pre-loan survey, centralized post-loan management and external development environment optimization. In order to ensure the effective implementation of various development strategies, this paper puts forward the establishment of a centralized small business credit management department, the establishment of a development strategy support system, pre-implementation training, the support of senior managers, and the construction of communication and feedback channels. Small business credit quality control, harmonious development of environmental construction and other aspects of protection measures. The purpose of this paper is to provide rational suggestions for Harbin Bank to develop small enterprise credit business, and to promote the rapid and healthy development of Harbin bank small enterprise credit business.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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