【摘要】：小微企業(yè)是我國(guó)經(jīng)濟(jì)發(fā)展中的重要力量,小微企業(yè)融資難問題的解決對(duì)確保我國(guó)經(jīng)濟(jì)持續(xù)健康快速發(fā)展具有重大的戰(zhàn)略意義。包商銀行作為我國(guó)的商業(yè)銀行,在2005年就率先確立了“以小微企業(yè)為核心客戶”的市場(chǎng)定位,并學(xué)習(xí)借鑒國(guó)際先進(jìn)的小微企業(yè)信貸技術(shù),為廣泛的小企業(yè)客戶群體提供金融產(chǎn)品和服務(wù)。而傳統(tǒng)以大中型企業(yè)為主要信貸業(yè)務(wù)的信息系統(tǒng)無法適應(yīng)小微企業(yè)的金融服務(wù)需求,包商銀行在長(zhǎng)期服務(wù)于小微企業(yè)的經(jīng)驗(yàn)基礎(chǔ)上,逐步建設(shè)完成了基于小微企業(yè)金融服務(wù)的信息系統(tǒng)。 本文在分析小微企業(yè)金融服務(wù)運(yùn)作流程的基礎(chǔ)上,形成了包商銀行小微企業(yè)金融服務(wù)信息系統(tǒng)的總體結(jié)構(gòu),并詳細(xì)介紹了服務(wù)于小微企業(yè)金融業(yè)務(wù)的政策管理系統(tǒng)、客戶管理系統(tǒng)、業(yè)務(wù)受理系統(tǒng)、貸款管理系統(tǒng)、風(fēng)險(xiǎn)管理系統(tǒng)的建設(shè)情況。為商業(yè)銀行信息系統(tǒng)建設(shè)提供經(jīng)驗(yàn)借鑒。
[Abstract]:Small and micro-enterprise is an important force in the economic development of our country. The solution of financing difficulty of small and micro-enterprise is of great strategic significance to ensure the sustained, healthy and rapid development of our economy. As a commercial bank of our country, the contractor bank took the lead in establishing the market orientation of "taking small and micro enterprises as its core customers" in 2005, and learned to learn from the international advanced credit technology of small and micro enterprises. Provide financial products and services to a wide range of small business clients. However, the traditional information system with large and medium-sized enterprises as the main credit business cannot meet the financial service needs of small and micro-enterprises. On the basis of the experience of long-term service to small and micro-enterprises, Gradually completed the small and micro-enterprise financial services based on the information system. On the basis of analyzing the operation process of financial services of small and micro-enterprises, this paper forms the overall structure of the financial service information system of small and micro-enterprises of contractors' banks, and introduces in detail the policy management system which serves the financial services of small-and micro-enterprises. Customer management system, business acceptance system, loan management system, risk management system construction. Provide the experience for the commercial bank information system construction.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2;F276.3

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