發(fā)布時間：2018-01-16 05:06

  本文關鍵詞：D銀行湖北省分行中小企業(yè)貸款績效評價研究　出處：《華中科技大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 中小企業(yè)貸款績效 平衡記分卡 社會責任 層次分析法 模糊綜合評價法

【摘要】：過去商業(yè)銀行為降低信貸風險,貸款往往提供給年銷售收入3,000萬元以上的大型客戶,導致一批批中小企業(yè)陷入融資難的困境。據(jù)統(tǒng)計,2013年我國中小企業(yè)創(chuàng)造的最終產(chǎn)品和服務價值相當于國內生產(chǎn)總值(GDP)總量的60%,完成了80%以上的新產(chǎn)品開發(fā)。從目前市場情況來看,各商業(yè)銀行之間因為產(chǎn)品和服務的同質化問題比較嚴重,相互爭奪客戶,搶奪存款資源的情況較為普遍。此外,互聯(lián)網(wǎng)金融的創(chuàng)新模式提供給中小企業(yè)更容易便捷的融資方式,導致商業(yè)銀行的中小企業(yè)貸款競爭越來越激烈。D銀行湖北省分行(以下簡稱“D銀行”)自2003年開展中小企業(yè)貸款業(yè)務以來,與政府、小額信貸公司長期合作的創(chuàng)新貸款模式使其保持低廉的成本優(yōu)勢,積極帶動湖北省內經(jīng)濟發(fā)展。本文通過創(chuàng)新Kaplan和Norton提出的平衡記分卡四個維度,重點突顯D銀行履行社會責任這塊,形成了由財務維度、客戶維度、內部流程維度、學習和成長維度和社會責任維度組成的平衡記分卡指標體系,以綜合評價中小企業(yè)貸款績效。評價結果顯示,2013年D銀行中小企業(yè)貸款業(yè)務整體表現(xiàn)為比較滿意,值得關注的是其財務維度和客戶維度。因此,針對D銀行發(fā)展中小企業(yè)貸款業(yè)務,在宏觀層面,建議政府部門盡快構建完善的中小企業(yè)信用風險識別和計量體系;在微觀層面,建議D銀行采取最優(yōu)用戶體驗的創(chuàng)新銀行模式以及提高其固定資金貸款收入這塊的貸款利率,而維持流動資金貸款這塊的貸款利率不變。最后,通過采納上述合理建議,D銀行能長期實現(xiàn)差異化和盈利化,也就是既和商業(yè)銀行中小企業(yè)貸款方式明顯不同,又能顯著支持實體經(jīng)濟的持續(xù)發(fā)展。
[Abstract]:In the past, in order to reduce the credit risk, commercial banks often provided loans to large customers with annual sales income of more than 3, 10,000 yuan, resulting in a lot of small and medium-sized enterprises falling into the dilemma of financing. According to statistics. In 2013, the final product and service value created by the small and medium-sized enterprises in our country was equal to the gross domestic product (GDP) of 80% or more, and more than 80% new products were developed. Due to the homogeneity of products and services, the commercial banks compete with each other for customers and seize the resources of deposits. In addition, it is very common for commercial banks to solve the problem of homogenization of products and services. The innovative mode of Internet finance provides small and medium-sized enterprises with easier and more convenient financing methods. As a result of the commercial banks of SMEs loan competition is becoming more and more fierce .D Bank Hubei Branch (hereinafter referred to as "D Bank") since 2003 to launch the SME loan business, with the government. The innovative lending model of long-term cooperation of microfinance companies allows them to maintain low cost advantages. By innovating the four dimensions of balanced Scorecard proposed by Kaplan and Norton, this paper highlights D Bank's social responsibility and forms the financial dimension. Customer dimension, internal process dimension, learning and growth dimension and social responsibility dimension constitute of balanced scorecard index system to comprehensively evaluate SME loan performance. The evaluation results show. In 2013, the small and medium-sized enterprise loan business of bank D was satisfied, and the financial dimension and customer dimension were worthy of attention. Therefore, in view of the development of small and medium-sized enterprises loan business in D bank, it was at the macro level. It is suggested that government departments should establish a perfect credit risk identification and measurement system for small and medium-sized enterprises as soon as possible. At the micro level, it is suggested that bank D should adopt the innovative banking model of the optimal user experience and raise the loan interest rate of its fixed capital loan income, while keeping the loan rate of the working capital loan unchanged. Finally. By adopting the above reasonable suggestions, Bank D can achieve differentiation and profitability for a long time, that is, it can support the sustainable development of the real economy significantly, which is different from the loan mode of small and medium-sized enterprises in commercial banks.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3

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