【摘要】：小微企業(yè)已經(jīng)成為包括幾大國(guó)有控股銀行在內(nèi)的各家銀行競(jìng)爭(zhēng)的重要市場(chǎng),市場(chǎng)對(duì)優(yōu)質(zhì)小微企業(yè)客戶的爭(zhēng)奪加劇,銀行挖掘潛在優(yōu)質(zhì)客戶的能力和水平有待進(jìn)一步提高。作為地方性銀行,蘭州農(nóng)商銀行需要設(shè)立與本區(qū)域經(jīng)濟(jì)發(fā)展相適應(yīng)的信貸業(yè)務(wù)發(fā)展模式。本文在對(duì)區(qū)域經(jīng)濟(jì)發(fā)展態(tài)勢(shì)和產(chǎn)業(yè)數(shù)據(jù)進(jìn)行全方位掌握和分析的基礎(chǔ)上,重點(diǎn)對(duì)小微企業(yè)在社會(huì)經(jīng)濟(jì)發(fā)展中的貢獻(xiàn)占比及發(fā)展態(tài)勢(shì)進(jìn)行關(guān)注,比照蘭州農(nóng)商銀行在幫助小微企業(yè)發(fā)展,提供信貸資金支持時(shí)的優(yōu)勢(shì)及劣勢(shì),進(jìn)一步明確蘭州農(nóng)商銀行打造零售銀行和社區(qū)銀行的戰(zhàn)略定位,將小微企業(yè)作為最主要的目標(biāo)客戶群體,采取有效的舉措,不斷創(chuàng)新完善小微信貸模式,推動(dòng)小微金融業(yè)務(wù)發(fā)展,提升蘭州農(nóng)商銀行在助力小微市場(chǎng)方面的競(jìng)爭(zhēng)力和品牌影響力。本文主要從宏觀、微觀兩個(gè)層面,以小微企業(yè)和蘭州農(nóng)商銀行為研究對(duì)象,闡述了影響擴(kuò)展小微企業(yè)信貸業(yè)務(wù)的主要因素。除了小微企業(yè)自身因素外,蘭州農(nóng)商銀行小微企業(yè)獲取資金融通的銀行資金品種創(chuàng)新力度不足、缺乏小微企業(yè)專營(yíng)部門(mén)、客戶經(jīng)理團(tuán)隊(duì)建設(shè)滯后、銀企信息不對(duì)稱、小微企業(yè)信貸流程與方式不完善、信貸風(fēng)險(xiǎn)控制水平低等。因此蘭州農(nóng)商銀行在進(jìn)一步拓展小微企業(yè)信貸服務(wù)業(yè)務(wù)的過(guò)程中應(yīng)當(dāng)從堅(jiān)持市場(chǎng)定位、創(chuàng)新信貸產(chǎn)品、設(shè)立小微企業(yè)專營(yíng)部門(mén)、多措并舉緩解信息不對(duì)稱、完善小微企業(yè)信貸流程及方式和提高小微企業(yè)信貸風(fēng)險(xiǎn)控制水平等方面入手改革相應(yīng)機(jī)構(gòu)的職能,更新企業(yè)經(jīng)營(yíng)理念,最終達(dá)到蘭州農(nóng)商銀行小微企業(yè)信貸業(yè)務(wù)拓展的目標(biāo)。
[Abstract]:Small and micro enterprises have become an important market for banks including several state-owned holding banks to compete. The competition for customers of high quality small and micro enterprises in the market has intensified. The ability and level of banks to tap potential high quality customers need to be further improved. As a local bank, Lanzhou Agricultural and Commercial Bank needs to set up a credit business development model suitable for the regional economic development. Based on the analysis of regional economic development situation and industrial data, this paper focuses on the contribution of small and micro enterprises in social and economic development. Comparing with the advantages and disadvantages of Lanzhou Agricultural and Commercial Bank in helping small and micro enterprises to develop and providing credit capital support, the strategic position of Lanzhou Agricultural and Commercial Bank to build retail and community banks is further clarified. Taking small and micro enterprises as the main target customer group, taking effective measures, continuously innovating and perfecting the small and micro credit model, promoting the development of small and micro finance business, To enhance the competitiveness and brand influence of Lanzhou Agricultural Commercial Bank in helping small and micro markets. This paper mainly from the macro and micro two levels, small and micro enterprises and Lanzhou Agricultural and Commercial Bank as the research object, elaborated the main factors that affect the expansion of small and micro enterprise credit business. In addition to the small and micro enterprises themselves, the small and micro enterprises of Lanzhou Agricultural and Commercial Bank have insufficient innovation in the variety of bank funds, lack of exclusive departments of small and micro enterprises, lagging behind in the construction of client managers' teams, and asymmetric information between banks and enterprises. Small and micro-enterprise credit process and mode is not perfect, credit risk control level is low. Therefore, in the process of further expanding the credit service business of small and micro enterprises, Lanzhou Agricultural and Commercial Bank should persist in market orientation, innovate credit products, set up exclusive departments of small and micro enterprises, and do more to alleviate information asymmetry. In order to improve the credit flow and mode of small and micro enterprises and improve the credit risk control level of small and micro enterprises, we should reform the functions of the corresponding organizations and renew the management concept of enterprises, so as to reach the goal of expanding the credit business of small and micro enterprises of Lanzhou Agricultural and Commercial Bank.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F275

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