【摘要】：隨著我國(guó)經(jīng)濟(jì)的發(fā)展,中小企業(yè)在促進(jìn)國(guó)民經(jīng)濟(jì)發(fā)展、豐富市場(chǎng)經(jīng)濟(jì)活力、吸收大量城鄉(xiāng)就業(yè)等許多方面起著越來(lái)越重要的作用。但是相對(duì)的,中小企業(yè)因?yàn)槠湟?guī)模小財(cái)務(wù)制度不健全等原因,一直以來(lái)很難獲得與其經(jīng)濟(jì)貢獻(xiàn)相匹配的金融支持,中小企業(yè)的融資缺口嚴(yán)重影響著其發(fā)展壯大。銀行方面,隨著業(yè)內(nèi)競(jìng)爭(zhēng)的日趨激烈,不少銀行開始將注意力轉(zhuǎn)移到市場(chǎng)潛力巨大的中小企業(yè)甚至小微企業(yè)貸款業(yè)務(wù)之上,以求開拓新的穩(wěn)定的利潤(rùn)增長(zhǎng)點(diǎn)。 G行南寧分行的小微貸業(yè)務(wù)創(chuàng)新地應(yīng)用供應(yīng)鏈金融理論,開展集群營(yíng)銷業(yè)務(wù),創(chuàng)新的將在散戶情況下企業(yè)規(guī)模小、財(cái)務(wù)制度不健全等原因造成的信息不對(duì)稱問題放置在集群營(yíng)銷中解決,利用在集群背景下軟信息收集便利解決因信息不對(duì)稱造成的小微企業(yè)貸款難問題。本文以G行南寧分行小微企業(yè)貸款業(yè)務(wù)為研究對(duì)象,通過實(shí)地實(shí)習(xí)、訪談,問卷調(diào)查等方式,并結(jié)合相關(guān)文獻(xiàn),分析研究G行南寧分行小微企業(yè)貸款業(yè)務(wù)的優(yōu)缺點(diǎn),并針對(duì)其業(yè)務(wù)開展過程中具體存在的問題進(jìn)行分析,提出了以下改進(jìn)措施,一是擴(kuò)大小微業(yè)務(wù)范圍,逐步降低業(yè)務(wù)借鑒程度；二是標(biāo)準(zhǔn)化風(fēng)險(xiǎn)控制措施,探索建立“信貸工廠”業(yè)務(wù)模式；三是加強(qiáng)客戶經(jīng)理隊(duì)伍建設(shè),進(jìn)行系統(tǒng)性人才培養(yǎng)；四是加深市場(chǎng)開發(fā)層次,探索建立專業(yè)化支行。希望這些改進(jìn)措施和發(fā)展意見能對(duì)后續(xù)研究以及該行未來(lái)發(fā)展有微薄助益。
[Abstract]:With the development of China's economy, small and medium-sized enterprises play a more and more important role in promoting the development of national economy, enriching the vitality of market economy, absorbing a large number of urban and rural employment and so on. However, because of its small scale financial system is not perfect, it has been difficult for SMEs to obtain financial support matching with their economic contribution. The financing gap of SMEs seriously affects their development and growth. On the banking side, with the increasingly fierce competition in the industry, many banks have begun to turn their attention to the lending business of small and medium-sized enterprises or even small and micro enterprises with great market potential. In order to open up a new stable profit growth point, G Bank Nanning Branch's small micro-loan business innovatively applies the theory of supply chain finance to develop the cluster marketing business, and the innovative business will be small in the case of individual investors. The problem of information asymmetry caused by imperfect financial system is solved in cluster marketing, and the problem of small and micro enterprise loan caused by information asymmetry is solved by using soft information collection in the context of cluster. This paper takes the loan business of small and micro enterprises in Nanning Branch of G Bank as the research object, analyzes the advantages and disadvantages of the loan business of small and micro enterprises in Nanning Branch by means of field practice, interview, questionnaire, and other relevant documents. Based on the analysis of the specific problems in the process of business development, the following improvement measures are put forward, one is to expand the scope of small and micro business and gradually reduce the business reference level, the other is to standardize the risk control measures, To explore the establishment of "credit factory" business model; third, to strengthen the construction of customer managers, to carry out systematic personnel training; fourth, to deepen the level of market development, and to explore the establishment of specialized branches. It is hoped that these improvements and development advice will be of little help to the follow-up study and to the future development of the bank.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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本文編號(hào)：2137920