【摘要】：隨著政府鼓勵(lì)大眾創(chuàng)業(yè),企業(yè)貸款業(yè)務(wù)正在逐漸增多,尤其在地市級(jí)城市,貸款業(yè)務(wù)的主體正在由大中型企業(yè)向中小型企業(yè)過渡。作為貸款業(yè)務(wù)的資金提供方,如何有效快速并含有一定保障措施的進(jìn)行企業(yè)貸款業(yè)務(wù),已經(jīng)成為重點(diǎn)關(guān)注的對(duì)象。本研究的著眼點(diǎn)為資源型城市的企業(yè)貸款業(yè)務(wù),由原來(lái)的大型國(guó)有企業(yè)逐漸轉(zhuǎn)變?yōu)橹行⌒推髽I(yè),運(yùn)用SWOT分析法,對(duì)現(xiàn)有企業(yè)貸款業(yè)務(wù)的外部環(huán)境的機(jī)遇與挑戰(zhàn)、內(nèi)部?jī)?yōu)勢(shì)與劣勢(shì)進(jìn)行了基本分析,指出現(xiàn)有中小型企業(yè)具有的規(guī)模小、資金需求小、企業(yè)信用低和融資渠道單一等特點(diǎn),同時(shí)銀行內(nèi)部雖然現(xiàn)今在中小企業(yè)貸款上屬于領(lǐng)先地位,但由于黑龍江產(chǎn)業(yè)結(jié)構(gòu)單一,人才流失十分嚴(yán)重,對(duì)未來(lái)繼續(xù)擴(kuò)大中小企業(yè)貸款業(yè)務(wù)的可能性產(chǎn)生了一定影響。在此基礎(chǔ)上,針對(duì)銀行出現(xiàn)的內(nèi)部人員建設(shè)不足,內(nèi)部機(jī)制不完善,以及外部環(huán)境問題進(jìn)行了簡(jiǎn)要剖析。提出了對(duì)于銀行企業(yè)貸款業(yè)務(wù)的總體思路,并相應(yīng)的提出了幾點(diǎn)創(chuàng)新策略。在本研究的最后,對(duì)于七臺(tái)河市工商銀行企業(yè)貸款業(yè)務(wù)的保障措施上,分別從內(nèi)部機(jī)制、人力資源、創(chuàng)新發(fā)展和內(nèi)外部合作四個(gè)方面提出了建議。本研究對(duì)七臺(tái)河市工商銀行中小企業(yè)貸款業(yè)務(wù)中存在的問題進(jìn)行了剖析,并在此基礎(chǔ)上給出解決策略。同時(shí),七臺(tái)河市處在資源型城市正在轉(zhuǎn)型的階段中,在工商銀行對(duì)中小企業(yè)的貸款方面,這對(duì)于國(guó)內(nèi)其他相類似的城市以及銀行具有一定的借鑒意義。
[Abstract]:As the government encourages the masses to start a business, the enterprise loan business is increasing gradually, especially in the prefectural city, the main body of the loan business is transitioning from the large and medium-sized enterprises to the small and medium-sized enterprises. As the fund provider of loan business, how to carry on the enterprise loan business effectively, quickly and with certain safeguard measures has become the focus of attention. This study focuses on the enterprise loan business in resource-based cities, from the original large state-owned enterprises to small and medium-sized enterprises. Using SWOT analysis, the external environment of the existing enterprise loan business opportunities and challenges. This paper analyzes the internal advantages and disadvantages, and points out that the existing small and medium-sized enterprises have the characteristics of small scale, small capital demand, low enterprise credit and single financing channel, etc. At the same time, although the bank is in the leading position in SME loan at present, due to the single industrial structure of Heilongjiang Province, the brain drain is very serious, which has a certain impact on the possibility of further expanding the loan business of SMEs in the future. On this basis, this paper briefly analyzes the problems of the internal staff construction, the imperfect internal mechanism and the external environment of the bank. This paper puts forward the general idea of the loan business of the bank enterprise, and puts forward some innovative strategies accordingly. At the end of this study, some suggestions are put forward from four aspects: internal mechanism, human resources, innovation and development, and internal and external cooperation on the guarantee measures of enterprise loan business of Qitaihe Industrial and Commercial Bank. This paper analyzes the problems existing in the SME loan business of Qitaihe Industrial and Commercial Bank, and puts forward the solving strategies. At the same time, Qitaihe City is in the stage of transformation of resource-based cities, which has certain reference significance for other similar cities and banks in China in the aspect of ICBC loans to small and medium-sized enterprises.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F276.3;F275

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