本文選題：銀行 + 小微信貸　； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：小微企業(yè)是中國(guó)經(jīng)濟(jì)、社會(huì)發(fā)展的重要基礎(chǔ)，在完善中國(guó)產(chǎn)業(yè)結(jié)構(gòu)、解決人員就業(yè)、推進(jìn)城鎮(zhèn)化建設(shè)等方面發(fā)揮著重要的作用。但是由于小微企業(yè)自身缺陷及宏觀政策的影響，小微企業(yè)的發(fā)展面臨著諸多問題，其中融資難是最重要的一方面。本文就小微信貸銀行的傳統(tǒng)信貸模式與阿里小貸的電子商務(wù)模式存的差異績(jī)效對(duì)比分析，破解銀行傳統(tǒng)小微信貸模式的不足與局限性，借鑒阿里小貸模式的創(chuàng)新點(diǎn)構(gòu)建一種新型的銀行小微信貸模式。 論文首先闡明研究的背景及意義，對(duì)相關(guān)文獻(xiàn)進(jìn)行綜述，總結(jié)國(guó)內(nèi)外的研究現(xiàn)狀。緊接著，介紹我國(guó)小微企業(yè)信貸業(yè)務(wù)發(fā)展?fàn)顩r。在對(duì)小微企業(yè)進(jìn)行界定的基礎(chǔ)上，闡明小微企業(yè)經(jīng)營(yíng)規(guī)模小、抵御風(fēng)險(xiǎn)能力差、信息透明度低、缺乏有效擔(dān)保和抵押以及機(jī)構(gòu)不完善的特點(diǎn)，緊接著，對(duì)小微企業(yè)信貸進(jìn)行界定和分析，，小微信貸具有“短”、“小”、“頻”、“急”的特點(diǎn)。在此基礎(chǔ)上，探討了制約小微信貸業(yè)務(wù)發(fā)展的四項(xiàng)主要原因：信息不對(duì)稱、小微企業(yè)經(jīng)營(yíng)管理能力有限、財(cái)務(wù)制度不健全、信用意識(shí)淡薄。然后，對(duì)銀行小微模式進(jìn)行概述，建設(shè)銀行和中國(guó)銀行的“信貸工廠”模式、民生銀行的商貸通“產(chǎn)品推動(dòng)”模式、招商銀行的“零售化”模式、浙江泰隆銀行的“地緣信貸”模式進(jìn)行分析，指出銀行小微信貸模式主要存在的問題：貸款定價(jià)管理機(jī)制不完善、風(fēng)險(xiǎn)預(yù)警和信息反饋機(jī)制不夠完善、小微金融產(chǎn)品與服務(wù)創(chuàng)新不足、風(fēng)險(xiǎn)管理措施缺乏有效識(shí)別手段。通過(guò)研究阿里小貸的發(fā)展現(xiàn)狀，得出阿里小貸模式的具有客戶資源有持續(xù)性、掌握客戶信用狀況、批量貸款降低成本等創(chuàng)新點(diǎn)與優(yōu)勢(shì)，并指出阿里小貸模式存在市場(chǎng)定位不具有普遍性、資金規(guī)模有限等方面的問題。銀行小微信貸模式與阿里小貸信貸模式的對(duì)比分析。從業(yè)務(wù)操作模式方面、信貸風(fēng)險(xiǎn)控制方面對(duì)兩種信貸模式進(jìn)行分析對(duì)比，在業(yè)務(wù)操作方面商業(yè)銀行的小微信貸以成立中小微企業(yè)部為主，而阿里小貸是通過(guò)兩家小額貸款公司進(jìn)行；在信貸分析控制方面，對(duì)比分析了二者在貸前、貸中、貸后的控制模式和風(fēng)險(xiǎn)管理方法。對(duì)商業(yè)銀行小微信貸風(fēng)險(xiǎn)進(jìn)行分析，分析小微信貸業(yè)務(wù)的風(fēng)險(xiǎn)成因，在此基礎(chǔ)上對(duì)商業(yè)銀行小微信貸業(yè)務(wù)的風(fēng)險(xiǎn)控制提出貸前、貸中、貸后控制的具體方案；再對(duì)商業(yè)銀行小微企業(yè)信貸專業(yè)隊(duì)伍的建設(shè)進(jìn)行分析，從人員選拔方式、培訓(xùn)方式、良好的激勵(lì)與約束機(jī)制等幾個(gè)方面對(duì)商業(yè)銀行小微信貸業(yè)務(wù)專業(yè)隊(duì)伍建設(shè)提出相應(yīng)的建議。 文章在闡述商業(yè)銀行小微信貸發(fā)展模式及對(duì)比分析小微信貸的銀行模式和阿里模式、構(gòu)建新型銀行小微信貸業(yè)務(wù)發(fā)展模式等方面具有一定的創(chuàng)新。
[Abstract]:Small and micro enterprises are the important foundation of China's economic and social development. They play an important role in perfecting China's industrial structure, solving the employment of personnel, and promoting the construction of urbanization. However, the development of small and micro enterprises is faced with many problems due to their own defects and the influence of macro policies, among which the difficulty of financing is the most important one. This paper compares and analyzes the difference between the traditional credit model of small and micro credit bank and the electronic commerce mode of Ali small credit bank, and analyzes the shortcomings and limitations of the traditional small and micro credit model of bank. Using the innovation point of Ali's small loan model to construct a new kind of small and micro credit model of bank. Firstly, the background and significance of the research are expounded, and the related literature is summarized. The current research situation at home and abroad is summarized. Then, introduce the development of credit business of small and micro enterprises in our country. On the basis of defining small and micro enterprises, this paper expounds the characteristics of small and micro enterprises, such as small scale, poor ability to resist risks, low transparency of information, lack of effective guarantee and mortgage, and imperfect institutions. This paper defines and analyzes the credit of small and micro enterprises, which has the characteristics of "short", "small", "frequent" and "urgent". On this basis, four main reasons restricting the development of micro-credit business are discussed: asymmetric information, limited management ability, imperfect financial system and weak credit consciousness. Then, it outlines the small and micro model of banks, the "credit factory" model of China Construction Bank and Bank of China, the "product promotion" model of Minsheng Bank, and the "retail" model of China Merchants Bank. Based on the analysis of the "geo-credit" model of Zhejiang Tailong Bank, this paper points out the main problems in the small-and-micro credit model of the bank: the imperfection of the loan pricing management mechanism, the imperfect mechanism of risk warning and information feedback. Small and micro financial products and services innovation, risk management measures lack of effective means of identification. By studying the current situation of the development of the small loan in Ali, it is concluded that the small loan mode of Ali has the innovation points and advantages, such as the continuity of customer resources, the understanding of the credit status of customers, the reduction of cost in bulk loans, and so on. It also points out that the market orientation is not universal and the capital scale is limited. The comparative analysis of the bank small and micro credit model and Ali small loan credit model. From the business operation mode, the credit risk control aspect carries on the analysis and contrast to the two kinds of credit models, in the business operation aspect, the commercial bank small and micro credit mainly establishes the small and medium-sized microenterprise department. In the aspect of credit analysis and control, the control mode and risk management methods before, during and after loan are compared and analyzed. On the basis of analyzing the risk causes of the small and micro credit business of commercial banks, the paper puts forward the specific scheme of the control before, during and after the loan of the small and micro credit business of the commercial bank, on the basis of which the risk control of the small and micro credit business of the commercial bank is put forward. Then it analyzes the construction of the professional team of small and micro enterprises in commercial banks, and puts forward some suggestions on the construction of the professional team of small and micro credit of commercial banks from the aspects of personnel selection, training, good incentive and restraint mechanism, and so on. This paper introduces the development mode of small and micro credit in commercial banks, compares and analyzes the bank model and Ali model of small and micro credit, and constructs a new development model of small and micro credit business of banks.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F724.6

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