“邯銀微貸”批量化作業(yè)金融產(chǎn)品設(shè)計(jì)
發(fā)布時(shí)間：2018-12-18 11:40
【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)體制的進(jìn)一步完善以及國(guó)家政策的鼓勵(lì),小微企業(yè)作為一支后起之秀,近年來無論在數(shù)量上還是在質(zhì)量上都有了很大提高,在我國(guó)市場(chǎng)經(jīng)濟(jì)中發(fā)揮的作用也越來越大,成為了我國(guó)經(jīng)濟(jì)結(jié)構(gòu)的一個(gè)重要組成部分。但是長(zhǎng)久以來,一方面小微企業(yè)由于發(fā)展的需要有著很強(qiáng)的金融服務(wù)需求,另一方面卻由于自身規(guī)模小、資產(chǎn)少、擔(dān)保弱等特點(diǎn)又很難從正規(guī)金融機(jī)構(gòu)貸到資金,即使能夠貸到資金,也往往要付出比大中型企業(yè)高出幾倍的利息成本和更加繁瑣嚴(yán)苛的審批手續(xù),這就使得很多利潤(rùn)率不高和對(duì)資金需求急切的小微企業(yè)對(duì)銀行貸款望而卻步。從商業(yè)銀行的角度來說,傳統(tǒng)小微信貸技術(shù)由于貸款金額小,成本高,收益難以覆蓋風(fēng)險(xiǎn)而不具備可持續(xù)性。因此,小微企業(yè)融資難問題成為近年來普遍關(guān)注的焦點(diǎn)問題,尤其是金融危機(jī)爆發(fā)以來,我國(guó)宏觀經(jīng)濟(jì)面臨下行壓力,對(duì)外貿(mào)易疲軟,勞動(dòng)力成本及原材料成本卻持續(xù)上漲,小微企業(yè)普遍面臨資金短缺的困境。與此同時(shí),隨著我國(guó)金融市場(chǎng)改革的不斷深入和金融脫媒趨勢(shì)的不斷加強(qiáng),我國(guó)銀行業(yè)傳統(tǒng)市場(chǎng)利潤(rùn)空間日益收縮,只能紛紛將渠道下沉,小微企業(yè)逐漸成為各家商業(yè)銀行角逐的主戰(zhàn)場(chǎng),探索適合自身情況、可持續(xù)發(fā)展的小微信貸技術(shù)成為當(dāng)前商業(yè)銀行亟待解決的問題。 在這場(chǎng)新的戰(zhàn)場(chǎng)上,城商行發(fā)揮自身優(yōu)勢(shì),利用自身決策鏈條短、貼近小微企業(yè)的特點(diǎn),紛紛發(fā)力,開發(fā)出針對(duì)小微企業(yè)的微貸業(yè)務(wù)模式和創(chuàng)新產(chǎn)品。目前在微貸實(shí)際業(yè)務(wù)當(dāng)中主要有兩種操作模式,一種是一對(duì)一的單戶營(yíng)銷模式,另一種是商業(yè)銀行亟待探討和建立的批量化開發(fā)模式。前者操作模式在微貸業(yè)務(wù)開始初期對(duì)于客戶經(jīng)理的鍛煉和營(yíng)銷終端的建立都是必要的,但隨著業(yè)務(wù)規(guī)模的擴(kuò)大,該操作模式成本高、效率低等弊端大大限制了微貸業(yè)務(wù)的進(jìn)一步做大做強(qiáng)。所以,批量化操作成為具備一定微貸業(yè)務(wù)基礎(chǔ)的城商行一致選擇,也是微貸業(yè)務(wù)未來發(fā)展的趨勢(shì)。 邯鄲銀行自2011年初與德國(guó)IPC公司就小微貸款進(jìn)行項(xiàng)目合作以來,兩年多的時(shí)間取得了很大的成績(jī),隨著業(yè)務(wù)的逐漸增多以及團(tuán)隊(duì)規(guī)模的日益增大,一對(duì)一的傳統(tǒng)作業(yè)模式已經(jīng)不能滿足當(dāng)前的業(yè)務(wù)需求,在已經(jīng)培養(yǎng)出一批專業(yè)技能成熟的客戶經(jīng)理,建立起一定的品牌知名度和擁有大量小微終端客戶之后,邯鄲銀行微貸業(yè)務(wù)批量化作業(yè)的條件已經(jīng)初步具備,在此基礎(chǔ)之上,設(shè)計(jì)與批量化作業(yè)相適應(yīng)的金融產(chǎn)品就成為邯鄲銀行微貸中心目前亟待解決的問題。本文的選題目的就是將相關(guān)微貸業(yè)務(wù)理論與邯鄲銀行微貸業(yè)務(wù)實(shí)際情況相結(jié)合,設(shè)計(jì)出適合邯鄲銀行自身情況的可批量化作業(yè)微貸金融創(chuàng)新產(chǎn)品,以期提高邯鄲銀行微貸業(yè)務(wù)的市場(chǎng)競(jìng)爭(zhēng)力和經(jīng)濟(jì)效益,為廣大小微客戶提供更加便捷和成本更低的金融服務(wù),同時(shí)對(duì)區(qū)域性中小城商行微貸業(yè)務(wù)相關(guān)理論完善也是一種有益探索。
[Abstract]:With the further improvement of the market economic system of our country and the encouragement of the national policy, the small micro-enterprises as a post-start show, in recent years have been greatly improved in quantity or in quality, and the role of the small-scale enterprises in the market economy of our country is becoming more and more important, It has become an important part of our country's economic structure. But for a long time, on the one hand, the small micro-enterprise has a strong financial service demand due to the need of development, and on the other hand it is difficult to loan from the formal financial institution to the fund because of its small size, small assets, weak guarantee, etc., even if the fund can be lent, It is also often necessary to pay more interest costs and more onerous approval procedures than large and medium-sized enterprises, which makes a lot of profit margins high and small micro-enterprises that are eager for capital need to be prohibitive for bank loans. From the perspective of commercial banks, the traditional small-micro-credit technology is not sustainable because the loan amount is small, the cost is high, and the income is difficult to cover the risk. Therefore, the difficulty of the financing of the small-sized enterprises has become the focus of the general attention in recent years, especially since the financial crisis, the macro-economy of our country faces downward pressure, the foreign trade is weak, the labor cost and the raw material cost continue to rise, Small and micro-enterprises generally face the plight of the shortage of funds. At the same time, with the deepening of the reform of the financial market in our country and the strengthening of the trend of the financial demergence, the profit space of the traditional Chinese banking market is shrinking, and the channel can only be sunk, and the small micro-enterprise gradually becomes the main battlefield for every commercial bank to compete. The small micro-credit technology, which is suitable for its own situation and sustainable development, has become an urgent problem to be solved in the current commercial bank. In this new field, the city business has its own advantages, its own decision-making chain is short, close to the characteristics of the small micro-enterprise, the force is developed, and the micro-loan business model and the innovative production for the small micro-enterprise are developed. At present, there are two modes of operation in the actual business of the micro-loan, one is one-to-one single-account marketing mode, and the other is the batch development model that the commercial bank needs to explore and establish. The former mode of operation is necessary for the exercise of the account manager and the establishment of the marketing terminal at the beginning of the beginning of the micro-loan business, but with the expansion of the business scale, the cost of the operation mode is high and the efficiency is low, so that the micro-loan business can be further It is also the trend of the future development of the micro-loan business. As business grows and the size of the team grows, one-to-one traditional mode of operation has not been able to meet the current industry After a number of professional and mature customer managers have been developed and a certain brand awareness and a large number of small micro-terminal customers have been established, the conditions for the batch operation of the micro-loan business of the Bank of China have been preliminarily provided, On the basis of the above, the design and batch operation of the financial products will become the micro-loan center of the Bank of China. The purpose of this paper is to combine the theory of the relevant micro-loan business with the actual situation of the micro-loan business of the Bank of China, and to design the micro-loan financial innovation product which is suitable for the self-condition of the Bank of China, with a view to improving the market competitiveness of the micro-loan business of the Bank of China and the market economy. It also provides a more convenient and cost-effective financial service for the small and medium-sized micro-customers, and the theory of the micro-loan business of the small and medium-sized and small-sized enterprises is also a kind of financial service.
【學(xué)位授予單位】：河北金融學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4
本文編號(hào)：2385797
[Abstract]:With the further improvement of the market economic system of our country and the encouragement of the national policy, the small micro-enterprises as a post-start show, in recent years have been greatly improved in quantity or in quality, and the role of the small-scale enterprises in the market economy of our country is becoming more and more important, It has become an important part of our country's economic structure. But for a long time, on the one hand, the small micro-enterprise has a strong financial service demand due to the need of development, and on the other hand it is difficult to loan from the formal financial institution to the fund because of its small size, small assets, weak guarantee, etc., even if the fund can be lent, It is also often necessary to pay more interest costs and more onerous approval procedures than large and medium-sized enterprises, which makes a lot of profit margins high and small micro-enterprises that are eager for capital need to be prohibitive for bank loans. From the perspective of commercial banks, the traditional small-micro-credit technology is not sustainable because the loan amount is small, the cost is high, and the income is difficult to cover the risk. Therefore, the difficulty of the financing of the small-sized enterprises has become the focus of the general attention in recent years, especially since the financial crisis, the macro-economy of our country faces downward pressure, the foreign trade is weak, the labor cost and the raw material cost continue to rise, Small and micro-enterprises generally face the plight of the shortage of funds. At the same time, with the deepening of the reform of the financial market in our country and the strengthening of the trend of the financial demergence, the profit space of the traditional Chinese banking market is shrinking, and the channel can only be sunk, and the small micro-enterprise gradually becomes the main battlefield for every commercial bank to compete. The small micro-credit technology, which is suitable for its own situation and sustainable development, has become an urgent problem to be solved in the current commercial bank. In this new field, the city business has its own advantages, its own decision-making chain is short, close to the characteristics of the small micro-enterprise, the force is developed, and the micro-loan business model and the innovative production for the small micro-enterprise are developed. At present, there are two modes of operation in the actual business of the micro-loan, one is one-to-one single-account marketing mode, and the other is the batch development model that the commercial bank needs to explore and establish. The former mode of operation is necessary for the exercise of the account manager and the establishment of the marketing terminal at the beginning of the beginning of the micro-loan business, but with the expansion of the business scale, the cost of the operation mode is high and the efficiency is low, so that the micro-loan business can be further It is also the trend of the future development of the micro-loan business. As business grows and the size of the team grows, one-to-one traditional mode of operation has not been able to meet the current industry After a number of professional and mature customer managers have been developed and a certain brand awareness and a large number of small micro-terminal customers have been established, the conditions for the batch operation of the micro-loan business of the Bank of China have been preliminarily provided, On the basis of the above, the design and batch operation of the financial products will become the micro-loan center of the Bank of China. The purpose of this paper is to combine the theory of the relevant micro-loan business with the actual situation of the micro-loan business of the Bank of China, and to design the micro-loan financial innovation product which is suitable for the self-condition of the Bank of China, with a view to improving the market competitiveness of the micro-loan business of the Bank of China and the market economy. It also provides a more convenient and cost-effective financial service for the small and medium-sized micro-customers, and the theory of the micro-loan business of the small and medium-sized and small-sized enterprises is also a kind of financial service.
【學(xué)位授予單位】：河北金融學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4
【參考文獻(xiàn)】
相關(guān)期刊論文 前1條
1 華衛(wèi)國(guó);劉鶴智;周亮;;南京商業(yè)銀行中小企業(yè)貸款定價(jià)研究[J];時(shí)代金融;2009年12期
，本文編號(hào)：2385797
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