本文關(guān)鍵詞： 中國銀行 中小企業(yè) 信貸工廠 授信政策　出處：《內(nèi)蒙古大學》2012年碩士論文　論文類型：學位論文

【摘要】：中國銀行近年來積極貫徹國家扶持中小企業(yè)發(fā)展的方針政策,將中小企業(yè)業(yè)務(wù)提高到了戰(zhàn)略發(fā)展的地位,并作為改善業(yè)務(wù)結(jié)構(gòu)、客戶結(jié)構(gòu)和調(diào)整戰(zhàn)略方針的重中之重來推進。 按照中國銀行業(yè)監(jiān)督管理委員會提出的“利率的風險定價機制、獨立核算機制、高效的貸款審批機制、激勵約束機制、專業(yè)化的人員培訓機制、違約信息通報機制”六項機制,從總行到省級分行專門成立了中小企業(yè)業(yè)務(wù)部,負責中小企業(yè)的授信融資業(yè)務(wù),從審批效率、產(chǎn)品創(chuàng)新、服務(wù)領(lǐng)域等方面進行改革,并與戰(zhàn)略合作伙伴新加坡淡馬錫旗下的富登金融控股公司合作開發(fā)了“富登／淡馬錫”發(fā)展模式。該模式是以“流程銀行”為核心,梳理出“端對端”的完整流程圖,引入“信貸工廠”進行標準化作業(yè),并通過規(guī)范標準作業(yè)程序來保證流程的效率和客戶服務(wù)品質(zhì)。 本文以中國銀行內(nèi)蒙古分行為實例,結(jié)合內(nèi)蒙古自治區(qū)中小企業(yè)發(fā)展現(xiàn)狀、中小企業(yè)對自治區(qū)經(jīng)濟發(fā)展的貢獻,以及內(nèi)蒙古自治區(qū)中小企業(yè)融資狀況,分析內(nèi)蒙古中小企業(yè)融資難的原因,并詳細介紹中國銀行內(nèi)蒙古分行中小企業(yè)信貸金融模式的基本情況,同時就新模式業(yè)務(wù)的優(yōu)勢和存在的問題進行細致闡述,對下一步業(yè)務(wù)的持續(xù)快速發(fā)展提出相應(yīng)的對策建議。
[Abstract]:In recent years, the Bank of China has actively carried out the policy of supporting the development of small and medium-sized enterprises, raised the business of small and medium-sized enterprises to the status of strategic development, and promoted it as the most important part of improving the business structure, customer structure and adjusting the strategic policy. According to the "risk pricing mechanism of interest rate, independent accounting mechanism, efficient loan approval mechanism, incentive and restraint mechanism, professional personnel training mechanism," as proposed by the China Banking Regulatory Commission, The six mechanisms, from the head office to the provincial branch, have set up a small and medium-sized enterprise business department to be responsible for the credit granting and financing business of small and medium-sized enterprises, and carry out reforms in the areas of examination and approval efficiency, product innovation, service fields, etc. And has developed the "Forden / Temasek" development model in cooperation with its strategic partner Temasek Financial holding Company of Singapore. The model is a complete flowchart of "End-to-End" with "process Bank" as the core. Introduction of "credit factory" for standardized operations, and standard operating procedures to ensure the efficiency of the process and customer service quality. This paper takes the Inner Mongolia Branch of the Bank of China as an example, combined with the development of small and medium-sized enterprises in Inner Mongolia Autonomous region, the contribution of SMEs to the economic development of the Autonomous region, and the financing situation of SMEs in Inner Mongolia Autonomous region. This paper analyzes the reasons for the financing difficulties of the small and medium-sized enterprises in Inner Mongolia, and introduces in detail the basic situation of the credit finance model of the small and medium-sized enterprises in the Inner Mongolia Branch of Bank of China. At the same time, the advantages and problems of the new model are elaborated in detail. Put forward the corresponding countermeasure suggestion to the next step business continuous fast development.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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