本文選題：城商行　切入點：小微企業(yè)　出處：《西安建筑科技大學(xué)》2014年碩士論文

【摘要】：進入“十二五”期間，隨著國民經(jīng)濟步入低速增長，結(jié)構(gòu)轉(zhuǎn)型步伐加快，作為中國經(jīng)濟最活躍的群體，同時也是最脆弱的群體，小微企業(yè)經(jīng)營規(guī)模小、風(fēng)險承受能力低、缺乏抵質(zhì)押品、融資渠道狹窄等問題凸顯，支持小微企業(yè)又好又快發(fā)展，對于克服金融危機、房地產(chǎn)調(diào)控等宏觀經(jīng)濟影響、保持經(jīng)濟健康較快發(fā)展并促進經(jīng)濟結(jié)構(gòu)轉(zhuǎn)型，具有深遠的戰(zhàn)略意義。從2008年銀監(jiān)會提出支持“六項機制”，到2011年中央經(jīng)濟工作會議推出支持小微企業(yè)“國九條”，國家支持小微企業(yè)的政策力度不斷加大，解決小微企業(yè)擔(dān)保難、融資難，推動小微企業(yè)發(fā)展已成為中小商業(yè)銀行的重點服務(wù)領(lǐng)域。與此同時，小微企業(yè)這片藍海也被越來越多的商業(yè)銀行發(fā)掘和進軍，堅持服務(wù)小微企業(yè)市場定位，在服務(wù)小微企業(yè)方面力求做專、做細、做精，形成獨特的競爭優(yōu)勢，已成為各家銀行尤其城市商業(yè)銀行轉(zhuǎn)型的重要契機和真正的亮點所在。 本文在文獻研究的基礎(chǔ)上，對小微信貸服務(wù)從理論層面進行了概念解析、信貸技術(shù)基礎(chǔ)理論分析、世界主要國家小微企業(yè)信貸服務(wù)模式對比、國內(nèi)銀行小微企業(yè)信貸服務(wù)模式分析等；然后，對洛陽市小微企業(yè)信貸服務(wù)現(xiàn)狀進行了分析，，包括洛陽市小微企業(yè)概況、洛陽市小微企業(yè)信貸需求現(xiàn)狀、洛陽市小微企業(yè)信貸服務(wù)情況、洛陽市小微企業(yè)信貸面臨的問題等；最后基于洛陽銀行實踐對小微企業(yè)信貸服務(wù)模式進行了探究，包括洛陽銀行支持小微企業(yè)的服務(wù)模式、洛陽銀行支持小微企業(yè)遇到的問題及困難、洛陽銀行小微企業(yè)信貸服務(wù)改進建議等。 本文將小微信貸作為研究視角，以IPC微貸技術(shù)理論為基礎(chǔ)，以財務(wù)信息和軟信息為要點，以交叉檢驗為手段，重視還款能力和還款意愿，通過“信貸工廠”模式和批量授信，創(chuàng)造高效靈活便捷的小微信貸服務(wù)模式，為城市商業(yè)銀行對小微企業(yè)信貸服務(wù)提供參考。
[Abstract]:During the "12th Five-Year Plan" period, as the national economy has entered a low growth rate and the pace of structural transformation has been accelerated, as the most active and vulnerable group in China's economy, small and micro enterprises operate on a small scale and have low risk bearing capacity. Problems such as lack of collateral, narrow financing channels, and so on, support the sound and rapid development of small and micro enterprises, which can overcome the macroeconomic impact of the financial crisis, real estate regulation and control, maintain a healthy and rapid economic development, and promote economic structural transformation. From the 2008 CBRC's proposal to support the "six mechanisms" to the 2011 Central Economic work Conference to launch the "National Nine articles" to support small and micro enterprises, the state policy to support small and micro enterprises has been continuously increased. To solve the problem of guarantee and financing of small and micro enterprises, promoting the development of small and micro enterprises has become a key service area for small and medium-sized commercial banks. At the same time, the blue sea of small and micro enterprises has also been explored and expanded by more and more commercial banks. Sticking to the market orientation of serving small and micro enterprises, making every effort to do specialized, fine, fine, and forming unique competitive advantage in serving small and micro enterprises has become an important opportunity and a real bright spot for banks, especially city commercial banks. On the basis of literature research, this paper analyzes the concept of micro-credit service from the theoretical level, the basic theory of credit technology, and the comparison of credit service modes of small and micro enterprises in major countries of the world. Then, the present situation of credit service of small and micro enterprises in Luoyang City is analyzed, including the general situation of small and micro enterprises in Luoyang City, the present situation of credit demand of small and micro enterprises in Luoyang City, and so on. Finally, based on the practice of Luoyang Bank, this paper probes into the credit service model of small and micro enterprises, including the service mode of supporting small and micro enterprises by Luoyang Bank. Problems and difficulties encountered by Luoyang Bank in support of small and micro enterprises, and suggestions for improvement of credit services of small and micro enterprises in Luoyang Bank. This paper takes micro-credit as the research angle, based on the theory of IPC micro-loan technology, taking financial information and soft information as the main points, taking cross-test as the means, paying attention to repayment ability and repayment willingness, and granting credit through "credit factory" mode and batch credit. To create an efficient, flexible and convenient micro-credit service model to provide reference for city commercial banks to provide credit services to small and micro enterprises.
【學(xué)位授予單位】：西安建筑科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3

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