本文關(guān)鍵詞： 中小企業(yè) 信貸工廠 問題 原因 管理措施　出處：《蘭州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：解決中小企業(yè)融資困難的問題,對于國有大型商業(yè)銀行中國銀行的分支甘肅分行來說既是履行社會(huì)責(zé)任的義務(wù),又是拓寬業(yè)務(wù)領(lǐng)域的機(jī)遇,同時(shí)也是在同業(yè)積極發(fā)展中小企業(yè)業(yè)務(wù)的情況下應(yīng)對競爭的現(xiàn)實(shí)要求。 甘肅中行“信貸工廠”模式運(yùn)行以來,取得了一定的成果,但是還存在一些問題。分析這些問題及其原因,提出改進(jìn)的措施,有利于促進(jìn)甘肅中行的中小企業(yè)業(yè)務(wù)發(fā)展、實(shí)現(xiàn)企業(yè)價(jià)值最大化,有利于更好地履行央企的社會(huì)責(zé)任,有利于促進(jìn)甘肅中小企業(yè)的發(fā)展,有利于促進(jìn)城鎮(zhèn)化和地方經(jīng)濟(jì)發(fā)展。 論文分析了“信貸工廠”模式目前存在的問題,主要包括授信客戶行業(yè)集中度太高,業(yè)務(wù)區(qū)域發(fā)展不平衡,營銷進(jìn)展緩慢、業(yè)務(wù)規(guī)模很小,風(fēng)險(xiǎn)管理工作質(zhì)量不高。 論文分析了導(dǎo)致這些問題的原因,主要是“信貸工廠”不能很好地應(yīng)對外部環(huán)境對甘肅中小企業(yè)發(fā)展的不利影響,中小企業(yè)階段性融資需求整體不足,“信貸工廠”較低的審批權(quán)限和大風(fēng)險(xiǎn)審批框架缺乏競爭力。 論文提出了相應(yīng)的改進(jìn)措施,主要包括完善“信貸工廠”模式營銷渠道和體系管理,提高“信貸工廠”模式從業(yè)人員專業(yè)水平,豐富“信貸工廠”模式的風(fēng)險(xiǎn)管理手段,強(qiáng)化供應(yīng)鏈金融思想、促進(jìn)產(chǎn)品創(chuàng)新,建設(shè)良好的授信文化。
[Abstract]:To solve the problem of financing difficulties of small and medium-sized enterprises, it is not only the obligation to fulfill social responsibility, but also the opportunity to broaden the scope of business for the branch of Gansu Branch of Bank of China, a large state-owned commercial bank. At the same time, it is also in the industry to actively develop small-and-medium-sized businesses to deal with the actual requirements of competition. Since the operation of "credit factory" mode of Bank of China in Gansu Province, some achievements have been made, but there are still some problems. This paper analyzes these problems and their causes, and puts forward some measures for improvement. It is helpful to promote the business development of the small and medium-sized enterprises in Bank of Gansu, to maximize the enterprise value, to better perform the social responsibility of the central enterprises, and to promote the development of the small and medium-sized enterprises in Gansu Province. It is conducive to promoting urbanization and local economic development. The paper analyzes the existing problems of the "credit factory" model, including the high concentration of credit customer industry, the unbalanced development of business area, the slow progress of marketing, and the small scale of business. The quality of risk management is not high. This paper analyzes the causes of these problems, mainly because the "credit factory" can not cope with the adverse effects of external environment on the development of small and medium-sized enterprises in Gansu Province, and the overall financing needs of small and medium-sized enterprises are insufficient. Low approval authority and large-risk approval framework for credit factories are not competitive. The paper puts forward the corresponding improvement measures, mainly including perfecting the marketing channel and system management of the "credit factory" mode, and improving the professional level of the "credit factory" model employees. It enriches the risk management means of "credit factory" mode, strengthens the thought of supply chain finance, promotes product innovation, and builds a good credit culture.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F832.4

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本文編號：1466579