本文選題：小微企業(yè) + 貸款��； 參考：《海南大學(xué)》2014年碩士論文

【摘要】：小微企業(yè)是我國國民經(jīng)濟(jì)和社會發(fā)展的重要組成部分,已成為推動我國經(jīng)濟(jì)發(fā)展的重要力量。為解決小微企業(yè)經(jīng)營困難、融資難等問題,國務(wù)院和相關(guān)部委連續(xù)出臺了一系列扶持小微企業(yè)的政策舉措,這些措施對商業(yè)銀行發(fā)展小微企業(yè)貸款業(yè)務(wù)具有利好的促進(jìn)作用。由于利率市場化進(jìn)程加快,以及商業(yè)銀行受到資本流動性的影響,將會重點選擇盈利性好的目標(biāo)客戶,而小微企業(yè)貸款綜合收益較高,其現(xiàn)已成為各家銀行爭先搶占的市場。但各家商業(yè)銀行對小微企業(yè)市場采取粗放式的開發(fā)模式,通過發(fā)放貸款獲取高額的利差收入。隨著市場競爭的加劇,小微企業(yè)貸款業(yè)務(wù)精細(xì)化的管理模式越來越受到關(guān)注。 本文根據(jù)平安銀行�？诜中行∥⑵髽I(yè)貸款業(yè)務(wù)的發(fā)展現(xiàn)狀,并采用SW0T分析法和實證分析法,分析了其在小微企業(yè)貸款業(yè)務(wù)管理方面存在的問題和面臨的市場競爭,研究了小微企業(yè)貸款的相關(guān)理論,以及國內(nèi)外商業(yè)銀行的先進(jìn)經(jīng)驗和模式,試圖通過創(chuàng)建新型渠道、優(yōu)化創(chuàng)新?lián)７绞�、實施利率浮動制、監(jiān)控結(jié)算資金、建立銀企交流平臺、用活政府支持政策等措施,優(yōu)化平安銀行海口分行現(xiàn)有管理模式,幫助其在小微企業(yè)貸款領(lǐng)域獲得競爭優(yōu)勢,并把控小微企業(yè)貸款風(fēng)險。另一方面,也幫助小微企業(yè)降低貸款利息成本和隱性成本,以及便利地獲得貸款融資。并加強(qiáng)小微企業(yè)與商業(yè)銀行之間的聯(lián)系,促進(jìn)銀企之間的合作,發(fā)揮銀行在小微企業(yè)成長過程中的幫扶作用。 本文將通過分析平安銀行小微企業(yè)貸款業(yè)務(wù)管理方面存在的問題,提出一系列的解決措施和建議,努力推動平安銀行海口分行小微企業(yè)貸款業(yè)務(wù)的發(fā)展、探尋高效的批量銷售小微企業(yè)貸款模式,研究可靠的小微企業(yè)貸款風(fēng)險把控模式,最大限度地解決小微企業(yè)貸款難和成本高的問題。
[Abstract]:Small and micro enterprises are an important part of the national economy and social development in China, and have become an important force to promote the economic development of our country. In order to solve the problems of difficult operation and difficult financing of small and micro enterprises, the State Council and relevant ministries have issued a series of policies and measures to support small and micro enterprises in succession. These measures have a positive effect on the development of small and micro enterprise loan business in commercial banks. Due to the accelerated process of interest rate marketization and the influence of capital liquidity, commercial banks will focus on the target customers with good profitability, while small and micro enterprises will have a higher comprehensive return on loans, which has become the market that banks scramble to occupy first. However, commercial banks adopt an extensive development model for the market of small and micro enterprises, and obtain high interest income by issuing loans. With the aggravation of market competition, more and more attention has been paid to the fine management mode of small and micro-enterprise loan business. According to the present situation of small and micro enterprise loan business in Haikou Branch of Ping an Bank, this paper analyzes the problems and market competition in the management of small and micro enterprise loan business by using SW0T analysis and empirical analysis. This paper studies the relevant theory of small and micro enterprise loan, as well as the advanced experience and model of domestic and foreign commercial banks, and attempts to establish a platform for exchange between banks and enterprises by creating new channels, optimizing the innovative guarantee methods, implementing the interest rate floating system, monitoring settlement funds, and establishing a platform for exchange between banks and enterprises. The existing management mode of Haikou Branch of Ping an Bank should be optimized with government support policy to help it gain competitive advantage in the field of small and micro enterprise loan and control the risk of small and micro enterprise loan. On the other hand, it also helps small and micro-enterprises reduce interest costs and hidden costs on loans and facilitate access to loan financing. And strengthen the relationship between small and micro enterprises and commercial banks, promote the cooperation between banks and enterprises, and give full play to the role of banks in the growth of small and micro enterprises. By analyzing the problems existing in the management of the small and micro enterprise loan business of Ping an Bank, this paper puts forward a series of measures and suggestions to promote the development of the small and micro enterprise loan business of Haikou Branch of Ping an Bank. In order to solve the problem of difficult loan and high cost of small and micro enterprises, a reliable loan risk control model for small and micro enterprises is studied in order to find out an efficient loan model for small and micro enterprises.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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