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  本文關(guān)鍵詞：XM銀行小微信貸經(jīng)營(yíng)模式的選擇　出處：《廈門大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小微企業(yè) 信貸業(yè)務(wù) 經(jīng)營(yíng)模式

【摘要】：差異化經(jīng)營(yíng)是城商行發(fā)展的必由之路,而小微信貸作為一項(xiàng)能夠培育基礎(chǔ)客群、優(yōu)化資產(chǎn)結(jié)構(gòu)、分散信用風(fēng)險(xiǎn)、提升收益水平的業(yè)務(wù),是城商行實(shí)現(xiàn)差異化經(jīng)營(yíng)可以作為的領(lǐng)域。 本文從XM銀行的歷史和現(xiàn)狀出發(fā),對(duì)XM銀行的內(nèi)外部發(fā)展環(huán)境進(jìn)行了重點(diǎn)分析,提出了XM銀行所面臨的機(jī)遇和挑戰(zhàn),并在此基礎(chǔ)上提出了“差異化是城商行發(fā)展必由之路”的觀點(diǎn),并從必然性和可行性兩個(gè)方面說(shuō)明了為什么XM銀行要發(fā)展小微信貸。而通過(guò)分析XM銀行小微信貸業(yè)務(wù)的現(xiàn)狀、存在的問(wèn)題,結(jié)合四家典型商業(yè)銀行小微信貸的成功經(jīng)驗(yàn),重點(diǎn)對(duì)經(jīng)營(yíng)模式中組織架構(gòu)、產(chǎn)品體系、擔(dān)保方式、營(yíng)銷模式等關(guān)鍵問(wèn)題進(jìn)行了對(duì)比分析,最后提出了進(jìn)一步完善XM銀行小微信貸模式的具體建議。 本文提出了構(gòu)建以差異化為核心的小微信貸經(jīng)營(yíng)模式的建議,通過(guò)進(jìn)一步細(xì)分市場(chǎng),找準(zhǔn)目標(biāo)客群,開發(fā)既符合小微企業(yè)金融需求又貼合XM銀行業(yè)務(wù)定位的產(chǎn)品和服務(wù),打造一條高質(zhì)、高效的小微信貸生產(chǎn)線,以降低操作成本；另一方面,通過(guò)建立客戶篩選機(jī)制和分級(jí)管理機(jī)制,將征審分離制度和交叉檢驗(yàn)等貸款技術(shù)貫穿小微信貸全流程,目的是控制信用風(fēng)險(xiǎn)成本。在龐大的小微信貸需求市場(chǎng)中,控制好了操作成本和信用風(fēng)險(xiǎn)成本也就實(shí)現(xiàn)了小微信貸可持續(xù)發(fā)展的目的。
[Abstract]:Differentiation management is the only way to the development of commercial banks, and small and micro credit as a business that can cultivate the basic customer group, optimize the asset structure, disperse credit risk, and improve the level of income. Is the city commercial banks to achieve differentiated management can be used as a field. Based on the history and present situation of XM Bank, this paper analyzes the internal and external development environment of XM Bank, and puts forward the opportunities and challenges faced by XM Bank. On this basis, it puts forward the viewpoint that differentiation is the only way to the development of city commercial banks. It also explains why XM Bank should develop micro-credit from the aspects of inevitability and feasibility, and through the analysis of the current situation of the micro-credit business of XM Bank, the existing problems. Combining with the successful experience of four typical commercial banks, this paper makes a comparative analysis on the key issues such as organizational structure, product system, guarantee mode, marketing model and so on. Finally, the paper puts forward some specific suggestions for further improving the small and micro credit model of XM Bank. This paper puts forward the suggestion of constructing the small and micro credit management mode with differentiation as the core, through further subdividing the market to find the target group. To develop products and services that meet the financial needs of small and micro enterprises and meet the business orientation of XM bank, and to create a high quality and efficient production line of small and micro credit, in order to reduce the operating cost; On the other hand, through the establishment of customer screening mechanism and hierarchical management mechanism, the system of separation and cross-testing of loan technology throughout the whole process of microcredit. The purpose is to control the cost of credit risk. In the large market of demand for small and micro credit, the purpose of sustainable development of small and micro credit is realized by controlling the operation cost and the cost of credit risk.
【學(xué)位授予單位】：廈門大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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本文編號(hào)：1386411