發(fā)布時間：2018-05-28 13:32

  本文選題：小微金融 + 商貸通�。� 參考：《內(nèi)蒙古大學(xué)》2013年碩士論文

【摘要】：社會經(jīng)濟的發(fā)展在不斷進步,商業(yè)銀行是否能以單一依賴傳統(tǒng)的利差模式取得自身發(fā)展,答案是否定的,因為利率的市場化以及人民幣的國際化趨勢已嚴重影響了商業(yè)銀行的發(fā)展。民生銀行呼和浩特分行結(jié)合自身的資源優(yōu)勢,順應(yīng)目前經(jīng)濟金融環(huán)境的發(fā)展變化,調(diào)整了未來的發(fā)展戰(zhàn)略,在未來要重點發(fā)展小微金融業(yè)務(wù),將其作為民生銀行在未來競爭中戰(zhàn)略轉(zhuǎn)型的重要舉措。使民生銀行在當(dāng)?shù)爻蔀樽罹咛厣你y行和最有效益的銀行�！吧藤J通”業(yè)務(wù)的發(fā)展,解決了小微企業(yè)的融資難題,從另一角度來說民生銀行履行了社會責(zé)任,為社會和經(jīng)濟發(fā)展做出了杰出貢獻；“商貸通”業(yè)務(wù)的發(fā)展還使得民生銀行的業(yè)務(wù)結(jié)構(gòu)得到了優(yōu)化,有利于民生銀行擺脫銀行同質(zhì)化競爭的困境,走出一條差異化的發(fā)展之路。它不僅實現(xiàn)了財務(wù)績效目標(biāo)的突破,更體現(xiàn)了盈利模式的創(chuàng)新再造。當(dāng)前,民生銀行呼和浩特分行“商貸通”業(yè)務(wù)已在內(nèi)蒙古自治區(qū)內(nèi)全面開展,日益完善的組織架構(gòu),不斷豐富的產(chǎn)品服務(wù),都使民生銀行呼和浩特分行的品牌形象得到了廣泛的認可。在商業(yè)模式漸趨成熟,業(yè)務(wù)規(guī)模迅速提高的同時,也為民生銀行呼和浩特分行在內(nèi)蒙古的發(fā)展打下了堅實的基礎(chǔ)。 本文的研究方式采取理論與實證相結(jié)合的分析方法,對民生銀行呼和浩特分行小微企業(yè)貸款現(xiàn)狀進行了研究,從中找到了一些制約小微金融發(fā)展的不足之處,對出現(xiàn)的問題歸納出基本成因,提出了對小微金融發(fā)展的對策和建議,希望能夠在未來民生銀行呼和浩特分行解決小微金融發(fā)展問題上起到一定借鑒作用。
[Abstract]:With the development of social economy, whether commercial banks can achieve their own development by relying solely on the traditional spread mode, the answer is no. The marketization of interest rates and the internationalization of RMB have seriously affected the development of commercial banks. The Huhhot Branch of Minsheng Bank combined with its own resource advantages, adapted to the development and changes of the current economic and financial environment, adjusted its future development strategy, and focused on developing small and micro financial business in the future. As the Minsheng Bank in the future competition in the strategic transformation of an important measure. Minsheng Bank in the region to become the most characteristic banks and the most effective banks. The development of the business has solved the financing problem of small and micro enterprises, and from another point of view, Minsheng Bank has fulfilled its social responsibility and made outstanding contributions to the social and economic development. With the development of the business, the business structure of Minsheng Bank has been optimized, which is helpful for Minsheng Bank to get rid of the dilemma of homogeneity competition and walk out a different way of development. It not only achieves the breakthrough of financial performance goal, but also reflects the innovation and reengineering of profit model. At present, Minsheng Bank Hohhot Branch's "Business and loan Link" business has been fully developed in Inner Mongolia Autonomous region, with an increasingly perfect organizational structure and a continuous wealth of products and services. Both make the brand image of Hohhot branch of Minsheng Bank has been widely recognized. While the business model is maturing and the business scale is increasing rapidly, it also lays a solid foundation for the development of Huhhot Branch of Minsheng Bank in Inner Mongolia. The research method of this paper is based on the combination of theory and empirical analysis, the present situation of small and micro enterprise loans in Hohhot Branch of Minsheng Bank has been studied, and some deficiencies that restrict the development of small and micro finance have been found. This paper sums up the basic causes of the problems, and puts forward the countermeasures and suggestions for the development of microfinance, hoping to play a certain reference role in solving the problem of the development of small and micro finance in Huhehaote Branch of the people's livelihood Bank in the future.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F276.3;F832.4

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本文編號：1946906