本文關(guān)鍵詞：青島農(nóng)商銀行小微企業(yè)貸款發(fā)展對策研究　出處：《西北大學(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) 貸款 信貸業(yè)務(wù) 策略研究

【摘要】：由于我國經(jīng)濟(jì)的急速發(fā)展,我國的小微型企業(yè)的發(fā)展速度也很快。然而,在發(fā)展的過程中,小微企業(yè)融資難依舊是困擾其生存發(fā)展的主要問題。由于小微企業(yè)融資渠道單一,使得供求關(guān)系并不平衡,銀行具有靈活的議價能力。商業(yè)銀行通過發(fā)展小微金融業(yè)務(wù),可以提升綜合收益水平。許多銀行看到了這一點,開始著重發(fā)展對小微企業(yè)的信貸業(yè)務(wù)。本文以青島農(nóng)商銀行作為研究對象,從實際出發(fā),對該行的小微企業(yè)貸款現(xiàn)狀和發(fā)展對策進(jìn)行研究。 首先,論文對青島農(nóng)商銀行小微企業(yè)貸款現(xiàn)狀和問題進(jìn)行了分析,主要分析內(nèi)容包括：青島農(nóng)商銀行簡介以及現(xiàn)狀、青島農(nóng)商銀行在小微企業(yè)貸款業(yè)務(wù)發(fā)展方面存在諸多問題,例如在資源配置不合理、人員配備缺失、考核激勵起不到正向引導(dǎo)作用等方面,并沒有真正對小微企業(yè)金融服務(wù)實行專業(yè)化管理,抵押方式為主的單一擔(dān)保方式,并沒有形成小微企業(yè)的規(guī)模化、個性化產(chǎn)品線。沒有一整套合適的信息化操作系統(tǒng)與之相匹配。上述問題都導(dǎo)致青島農(nóng)商銀行的小微企業(yè)貸款業(yè)務(wù)發(fā)展受阻。 其次,對青島農(nóng)商銀行小微企業(yè)貸款策略進(jìn)行了創(chuàng)新。包括創(chuàng)新經(jīng)營管理模式,建立信貸思維、創(chuàng)新信貸技術(shù)破解融資難、創(chuàng)新信貸產(chǎn)品與服務(wù)方式、創(chuàng)新風(fēng)險管理方式 再次,從小微企業(yè)的業(yè)務(wù)體系搭建和市場發(fā)展方向做了具體闡述,包括建立信用評分模型及審批體系、建立客戶風(fēng)險識別控制體系、完善金融產(chǎn)品和相關(guān)業(yè)務(wù)體系、利率差異科學(xué)定價與額度管理策略、小微企業(yè)精準(zhǔn)營銷推廣策略、業(yè)務(wù)營銷團(tuán)隊的建立與企業(yè)文化滲透策略。 最后,論文分析了青島農(nóng)商銀行小微企業(yè)貸款策略方案實施策略。實施內(nèi)容主要包括：加快小微貸款業(yè)務(wù)專營團(tuán)隊組建和培養(yǎng)人才、簡化業(yè)務(wù)流程,降低運營成本、業(yè)績評價采用激勵考核法,重視客戶經(jīng)理的服務(wù)質(zhì)量、加強小微企業(yè)貸款專項風(fēng)險管理和監(jiān)督、為小微企業(yè)解決可持續(xù)發(fā)展融資要求,與客戶建立長期合作關(guān)系。 論文所有的研究都是對青島農(nóng)商銀行小微企業(yè)信貸業(yè)務(wù)發(fā)展實際情況的分析,因此,最后提出的研究策略也具有實效性,能夠為該行小微企業(yè)信貸業(yè)務(wù)的發(fā)展提供決策依據(jù)。
[Abstract]:Due to the rapid development of our economy, the development of small and micro enterprises in China is also very fast. However, in the process of development. The financing difficulty of small and micro enterprises is still the main problem that puzzles their survival and development. Because the financing channel of small and micro enterprises is single, the relationship between supply and demand is not balanced. Banks have flexible bargaining power. Commercial banks can raise the level of aggregate returns by developing small and micro financial operations. Many banks see this. This paper takes Qingdao Agricultural and Commercial Bank as the research object, starts from the reality, studies the present situation and the development countermeasure of the small and micro enterprise loan of this bank. First of all, the paper analyzes the current situation and problems of the small and micro enterprise loans of Qingdao Agricultural and Commercial Bank. The main content of the analysis includes: the brief introduction of Qingdao Agricultural and Commercial Bank and the present situation. Qingdao Agricultural and Commercial Bank has many problems in the development of small and micro enterprise loan business, such as unreasonable allocation of resources, lack of personnel, evaluation incentive can not play a positive guiding role and so on. There is no real small and micro enterprise financial services professional management, mortgage mode of a single guarantee, and did not form the scale of small and micro enterprises. Personalized product line. There is not a set of suitable information operating system to match it. The above problems all cause the development of small and micro enterprise loan business of Qingdao Agricultural and Commercial Bank to be blocked. Secondly, the small and micro enterprise loan strategy of Qingdao Agricultural and Commercial Bank has been innovated, including innovating management mode, establishing credit thinking, innovating credit technology to solve financing difficulty, innovating credit products and service ways. Innovative risk management Third, from the small and micro enterprise business system construction and market development direction, including the establishment of credit scoring model and approval system, the establishment of customer risk identification and control system. Perfect financial products and related business system, scientific pricing and quota management strategy of interest rate difference, precision marketing promotion strategy of small and micro enterprises, establishment of business marketing team and corporate culture penetration strategy. Finally, the paper analyzes the implementation strategy of the small and micro enterprise loan strategy of Qingdao Agricultural and Commercial Bank. The main content of the implementation includes: accelerate the establishment and training of small and micro loan business franchise team, simplify the business process. In order to solve the financing requirement of sustainable development of small and micro enterprises, it is necessary to reduce operating cost, adopt incentive assessment method, attach importance to the service quality of customer manager, strengthen the special risk management and supervision of small and micro enterprise loan. Establish long-term relationships with customers. All the research in this paper is an analysis of the actual situation of the development of the small and micro enterprise credit business of Qingdao Agricultural and Commercial Bank. Therefore, the research strategy put forward in the end also has practical effect. It can provide decision-making basis for the development of credit business of small and micro enterprises.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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