本文選題：商業(yè)銀行 + 小微金融　； 參考：《華中師范大學》2017年碩士論文

【摘要】：隨著中國經(jīng)濟的持續(xù)增長和經(jīng)濟轉(zhuǎn)型的推進,小微企業(yè)在我國經(jīng)濟中的重要性日益提高。但一直以來,小微企業(yè)由于自身及外部原因,較難得到商業(yè)銀行的金融服務(wù)。目前,由于國家政策的導(dǎo)向,也為了在利率市場化和金融脫媒的挑戰(zhàn)下成功轉(zhuǎn)型,商業(yè)銀行已經(jīng)注意到小微企業(yè)的融資需求,開始努力拓展小微金融業(yè)務(wù)。但是,小微企業(yè)融資需求的特殊性對商業(yè)銀行的小微金融服務(wù)模式提出了挑戰(zhàn)。自2008年小微金融概念提出以來,各家銀行紛紛轉(zhuǎn)型,加快推出小微貸款產(chǎn)品,對小微業(yè)務(wù)機構(gòu)進行調(diào)整,設(shè)立小微金融專營機構(gòu),并不斷創(chuàng)新小微金融業(yè)務(wù)模式,形成了各式小微金融業(yè)務(wù)模式。本課題首先在分析了我國小微企業(yè)融資需求特征和商業(yè)銀行金融服務(wù)之間存在矛盾的基礎(chǔ)上,指明了商業(yè)銀行小微金融服務(wù)缺失的原因。接著對我國商業(yè)銀行幾種典型的小微金融業(yè)務(wù)模式進行了詳細介紹和剖析,包括互聯(lián)網(wǎng)金融下商業(yè)銀行小微金融服務(wù)的新模式。同時,對我國不同類型商業(yè)銀行開展小微金融的比較優(yōu)勢和各自主要業(yè)務(wù)產(chǎn)品做了比較分析,并介紹了一些國外銀行開展小微金融服務(wù)的成功經(jīng)驗。最后對我國商業(yè)銀行創(chuàng)新小微金融業(yè)務(wù)模式,提升小微金融服務(wù)水平提出相應(yīng)的對策建議。
[Abstract]:With the continuous growth of China's economy and the promotion of economic transformation, the importance of small and micro enterprises in China's economy is increasing day by day. However, it has been difficult for small and micro enterprises to obtain the financial services of commercial banks because of their own and external reasons. At present, due to the guidance of national policy and the successful transformation under the challenge of interest rate marketization and financial disintermediation, commercial banks have paid attention to the financing needs of small and micro enterprises and started to expand their small and micro finance business. However, the particularity of the financing needs of small and micro enterprises challenges the small and micro financial service model of commercial banks. Since the introduction of the Microfinance concept in 2008, banks have transformed themselves to accelerate the introduction of microlending products, restructure microfinancial institutions, set up micro-finance franchisees, and continuously innovate the microfinance business model. Formed a variety of small and micro-finance business model. Based on the analysis of the contradiction between the characteristics of financing needs of small and micro enterprises in China and the financial services of commercial banks, this paper points out the reasons for the lack of small and micro financial services in commercial banks. Then several typical small and micro financial business models of commercial banks in China are introduced and analyzed in detail, including the new model of small and micro financial services of commercial banks under Internet finance. At the same time, this paper makes a comparative analysis of the comparative advantages of different types of commercial banks in China and their main business products, and introduces the successful experiences of some foreign banks in carrying out small and micro finance services. Finally, it puts forward the corresponding countermeasures and suggestions to the commercial banks of our country to innovate the small and micro financial business model and to improve the level of the small and micro finance service.
【學位授予單位】：華中師范大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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