本文關(guān)鍵詞：工行杭州城西支行小企業(yè)信貸業(yè)務(wù)發(fā)展策略研究　出處：《哈爾濱理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小企業(yè)信貸 大型商業(yè)銀行 小企業(yè)專營機(jī)構(gòu)

【摘要】：浙江省杭州市是我國民營經(jīng)濟(jì)先發(fā)之地,民營經(jīng)濟(jì)是促進(jìn)該地區(qū)經(jīng)濟(jì)發(fā)展的重要因素和強(qiáng)勁動力。統(tǒng)計顯示,2013年浙江省小企業(yè)綜合景氣指數(shù)排名全國第二。然而浙江省小企業(yè)生產(chǎn)經(jīng)營面臨的矛盾和問題也較為突出,其中融資問題是最普遍和關(guān)鍵的障礙因素。實踐中,商業(yè)銀行仍是小企業(yè)信貸資金的主要提供者,但目前商業(yè)銀行的信貸客戶結(jié)構(gòu)仍不均衡,銀行間同質(zhì)化競爭嚴(yán)重,對小企業(yè)群體的信貸服務(wù)效果不佳。中國工商銀行杭州城西支行作為國有大型銀行下屬的基層支行,是中國工商銀行設(shè)立的小企業(yè)服務(wù)專營機(jī)構(gòu)。城西支行如若要實現(xiàn)自身可持續(xù)發(fā)展,則要力圖發(fā)展小企業(yè)信貸業(yè)務(wù)。本文試圖從商業(yè)銀行破除小企業(yè)融資難問題出發(fā),根據(jù)城西支行自身特點,思考如何進(jìn)一步優(yōu)化對支行所在區(qū)域內(nèi)小企業(yè)的信貸服務(wù)策略,加快對小企業(yè)信貸投放。過去對小企業(yè)融資難問題的研究多以大力發(fā)展小型商業(yè)銀行的小企業(yè)融資為出發(fā)點。本文則從大型商業(yè)銀行基層支行角度出發(fā),研究和分析大型商業(yè)銀行基層支行作為小企業(yè)專營機(jī)構(gòu)如何發(fā)展小企業(yè)融資業(yè)務(wù)；如何在銀行間服務(wù)日趨同質(zhì)化的背景下,發(fā)揮自身優(yōu)勢,拓寬服務(wù)小企業(yè)市場的方式和渠道。本文首先分析研究國內(nèi)外小企業(yè)難以向商業(yè)銀行申請融資的相關(guān)理論,再對銀行小企業(yè)融資難的現(xiàn)狀進(jìn)行分析；其次結(jié)合工商銀行杭州城西支行目前小企業(yè)信貸現(xiàn)狀,借鑒國外大型銀行發(fā)展經(jīng)驗,對商業(yè)銀行目前實際存在的問題進(jìn)行分析和總結(jié)；然后提出城西支行對區(qū)域內(nèi)小企業(yè)市場進(jìn)行細(xì)分管理的建議,探尋城西支行服務(wù)小企業(yè)信貸發(fā)展的新策略,不斷優(yōu)化自身流程管理,積極開展業(yè)務(wù)創(chuàng)新,促進(jìn)支行發(fā)展戰(zhàn)略轉(zhuǎn)型升級。
[Abstract]:Hangzhou City of Zhejiang Province is the first place for the development of private economy in China. Private economy is an important factor and strong driving force to promote the economic development in this area. In 2013, Zhejiang Province ranked second in the comprehensive prosperity index of small enterprises in China. However, the contradictions and problems faced by small enterprises in Zhejiang Province are also prominent. The financing problem is the most common and key obstacle factor. In practice, commercial banks are still the main providers of credit funds for small enterprises, but the credit customer structure of commercial banks is still uneven. The homogeneous competition among banks is very serious, and the effect of credit services to small business groups is not good. Industrial and Commercial Bank of China Hangzhou West Branch is the basic branch of state-owned large banks. China Industrial and Commercial Bank of China set up a small business service franchisees. If the west branch of the city to achieve its own sustainable development. We should try to develop the small enterprise credit business. This paper tries to break down the financing difficulties of small enterprises from commercial banks, according to the characteristics of the western branch of the city. Consider how to further optimize the credit service strategy for small enterprises in the sub-branch area. In the past, most of the research on the financing difficulties of small enterprises is based on the development of small business financing of small commercial banks. This paper starts from the perspective of grass-roots branches of large commercial banks. To study and analyze how to develop the financing business of small enterprises by the basic branch of large commercial banks as a franchise of small enterprises; How to give play to their own advantages under the background of the increasingly homogenization of interbank services. Firstly, this paper analyzes and studies the relevant theories that small enterprises at home and abroad are difficult to apply for financing from commercial banks, and then analyzes the current situation of financing difficulties of small enterprises in banks. Secondly, combining with the current credit situation of small enterprises in Hangzhou West Branch of ICBC, and drawing on the development experience of foreign large banks, this paper analyzes and summarizes the problems existing in commercial banks at present. Then put forward the proposal of subdivision and management of the small enterprise market in the region, explore the new strategy of the West Branch to service the small enterprise credit development, constantly optimize its own process management, and actively carry out business innovation. Promote strategic transformation and upgrading of branch development.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3

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