本文選題：農(nóng)村商業(yè)銀行 + 小微貸　； 參考：《華北電力大學(北京)》2017年碩士論文

【摘要】：“小微貸業(yè)務(wù)”主要是指商業(yè)銀行面向個體工商戶、小微企業(yè)及業(yè)主等特定人群發(fā)放的短周期、小額信貸業(yè)務(wù)�！靶∥①J”是當前發(fā)展普惠金融的熱點產(chǎn)品,現(xiàn)已成為農(nóng)村商業(yè)銀行發(fā)展普惠金融,服務(wù)“三農(nóng)”,改善民生的新型業(yè)務(wù)模式,為農(nóng)村商業(yè)銀行的可持續(xù)發(fā)展探索出一條行之有效的路徑。小微貸業(yè)務(wù)的大力發(fā)展雖然促進了小微企業(yè)的發(fā)展,活躍了小微經(jīng)濟,但是在實際運營過程中小微貸業(yè)務(wù)存在客戶對象信用條件差、素質(zhì)不高、國家支持力度小、市場環(huán)境復雜、管理模式搭建不清晰等問題。因此,分析農(nóng)村商業(yè)銀行發(fā)展小微貸業(yè)務(wù)的必要性和可行性,以及小微貸業(yè)務(wù)運營過程中所面臨的問題,對小微貸業(yè)務(wù)的健康發(fā)展以及更好的服務(wù)大眾具有重要的實踐意義,同時為農(nóng)村商業(yè)銀行的可持續(xù)發(fā)展提供了有效途徑。本文首先介紹了棗莊農(nóng)村商業(yè)銀行的發(fā)展歷程和經(jīng)營現(xiàn)狀,就目前棗莊農(nóng)商銀行出現(xiàn)的經(jīng)營困境進行了深入剖析,提出適應(yīng)棗莊農(nóng)村商業(yè)銀行業(yè)務(wù)發(fā)展的新模式,即小微貸業(yè)務(wù)管理模式。然后,介紹小微貸業(yè)務(wù)的特點和優(yōu)勢,及其在國內(nèi)外發(fā)展的現(xiàn)狀,并對棗莊農(nóng)商銀行發(fā)展小微貸業(yè)務(wù)的必要性和可行性進行了探討。并從六個方面,即小微貸業(yè)務(wù)的需求、小微貸業(yè)務(wù)的產(chǎn)品、小微貸業(yè)務(wù)的定價、小微貸業(yè)務(wù)的營銷、小微貸業(yè)務(wù)的流程及小微貸業(yè)務(wù)的人力資源構(gòu)建等來闡述小微貸業(yè)務(wù)管理模式的構(gòu)建。然后對小微貸業(yè)務(wù)的風險管理和財務(wù)管理兩方面進行了重點剖析。最后以棗莊地區(qū)某副食品牌代理商為例介紹了目前棗莊農(nóng)村商業(yè)銀行小微貸業(yè)務(wù)管理模式運行的狀況。
[Abstract]:"small micro-loan business" mainly refers to commercial banks for individual industrial and commercial households, small and micro enterprises and owners and other specific groups of people issued a short period, microfinance business. "small micro-loan" is a hot product in the current development of inclusive finance. It has become a new business model for rural commercial banks to develop inclusive finance, serve the "three rural areas, farmers" and improve people's livelihood. To explore an effective path for the sustainable development of rural commercial banks. Although the vigorous development of small and micro loan business has promoted the development of small and micro enterprises and activated the small and micro economy, in the actual operation process, the small micro loan business has poor customer credit conditions, low quality and low state support. The market environment is complex, the management pattern is not clear and so on. Therefore, it is of great practical significance to analyze the necessity and feasibility of the development of small and micro loan business in rural commercial banks, as well as the problems faced in the operation of small and micro loan business, which is of great practical significance to the healthy development of small and micro loan business and better service to the public. At the same time, it provides an effective way for the sustainable development of rural commercial banks. Firstly, this paper introduces the development course and management status of Zaozhuang Rural Commercial Bank, analyzes the management predicament of Zaozhuang Rural Commercial Bank, and puts forward a new mode to adapt to the development of Zaozhuang Rural Commercial Bank. That is small micro-loan business management model. Then, this paper introduces the characteristics and advantages of micro-loan business, and the present situation of its development at home and abroad, and discusses the necessity and feasibility of developing small micro-loan business in Zaozhuang Agricultural and Commercial Bank. And from six aspects, that is, the demand of the small micro-loan business, the products of the small micro-loan business, the pricing of the small micro-loan business, the marketing of the small micro-loan business, The process of small micro loan business and the human resource construction of small micro loan business are discussed to illustrate the construction of small micro loan business management mode. Then the risk management and financial management of micro-loan business are analyzed. Finally, taking a non-staple food brand agent in Zaozhuang area as an example, the paper introduces the running situation of the small micro-loan business management mode of Zaozhuang Rural Commercial Bank.
【學位授予單位】：華北電力大學(北京)
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4

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