本文關(guān)鍵詞：C行H省分行小企業(yè)信貸業(yè)務(wù)發(fā)展研究　出處：《廣西大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小企業(yè)信貸 發(fā)展環(huán)境 風(fēng)險管理

【摘要】：近年來,我國小企業(yè)不斷發(fā)展,成為市場經(jīng)濟(jì)的重要組成部分和推進(jìn)社會生產(chǎn)力發(fā)展的重要力量。但是,小企業(yè)實現(xiàn)可持續(xù)發(fā)展難度較大。一方面是由于當(dāng)前復(fù)雜且多變的經(jīng)濟(jì)形勢,另一方面則是由于融資難度高、成本大、渠道少等一系列因素的嚴(yán)重制約。在商業(yè)銀行同業(yè)競爭越來越激烈的大環(huán)境下,各大商業(yè)銀行逐漸開始重視小企業(yè)信貸業(yè)務(wù)。本文以H省小企業(yè)信貸業(yè)務(wù)發(fā)展情況為立足點,以C行H省分行小企業(yè)信貸業(yè)務(wù)為研究對象,深入研究C行H省分行小企業(yè)信貸業(yè)務(wù)發(fā)展情況,并結(jié)合實際對C行H省分行小企業(yè)信貸業(yè)務(wù)外部發(fā)展環(huán)境予以分析。本文在詳細(xì)闡述C行H省分行小企業(yè)信貸業(yè)務(wù)發(fā)展現(xiàn)狀的基礎(chǔ)上,進(jìn)一步具體闡述該業(yè)務(wù)相關(guān)信貸產(chǎn)品。并從產(chǎn)品政策、區(qū)域資源分配、風(fēng)險控制觀念及業(yè)務(wù)流程等四方面具體分析C行H省分行小企業(yè)信貸業(yè)務(wù)目前存在的主要問題。為促進(jìn)C行H省分行加快發(fā)展小企業(yè)信貸業(yè)務(wù),本文針對所存在的問題從改變產(chǎn)品政策、平衡區(qū)域資源、加強(qiáng)風(fēng)險控制管理、簡化業(yè)務(wù)流程等四個方面提出具體對策建議,以期能夠?qū)行H省分行穩(wěn)步推進(jìn)小企業(yè)信貸業(yè)務(wù)發(fā)展提供有益參考。
[Abstract]:In recent years, the development of small enterprises in China has become an important part of the market economy and an important force to promote the development of social productive forces. It is difficult for small enterprises to achieve sustainable development, on the one hand because of the current complex and changeable economic situation, on the other hand, because of the high difficulty of financing and high cost. A series of factors, such as lack of channels, are seriously restricted. Under the environment of increasingly fierce competition among commercial banks. The major commercial banks gradually began to attach importance to the small enterprise credit business. This paper takes the development of the small enterprise credit business in H province as the foothold, and the C bank H branch small enterprise credit business as the research object. Further study the development of small enterprise credit business in C bank H province branch. Combined with the actual analysis of the external development environment of small enterprise credit business in C bank H branch, this paper expounds the current situation of small enterprise credit business development in C line H branch in detail. Further elaborate the business related credit products. And from the product policy, regional resource allocation. Four aspects of risk control concept and business process are analyzed in detail to analyze the main problems existing in the credit business of small enterprises in line C and H province branch, in order to accelerate the development of credit business of small enterprises in line H branch of C bank. This paper puts forward specific countermeasures and suggestions from four aspects: changing product policy, balancing regional resources, strengthening risk control management and simplifying business process. In order to provide a useful reference for C line H province branch to steadily promote the development of small business credit business.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4

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