本文選題：城市商業(yè)銀行　切入點：Y銀行A支行　出處：《遼寧大學》2015年碩士論文　論文類型：學位論文

【摘要】：在中小企業(yè)對國民經濟發(fā)展貢獻度越來越高的今天,中小企業(yè)的經營發(fā)展狀況廣受各方關注。為中小企業(yè)提供可持續(xù)的優(yōu)質金融服務,特別是解決長期以來小企業(yè)融資難的問題至關重要。眾多理論研究表明,城市商業(yè)銀行在服務地區(qū)內小企業(yè)方面具有天然的比較優(yōu)勢,是解決小企業(yè)融資難問題的重要力量。在國內商業(yè)銀行大力推進小企業(yè)信貸業(yè)務的情況下,通過細分市場,進一步明確小企業(yè)信貸業(yè)務戰(zhàn)略,結合自身問題完善小企業(yè)信貸業(yè)務策略,有利于商業(yè)銀行快速壯大和發(fā)展自身業(yè)務,取得巨大的競爭優(yōu)勢,地方小企業(yè)和地方經濟發(fā)展也將受益無窮。Y銀行作為一家城市商業(yè)銀行,一直致力于發(fā)展小微金融,取得了一定的成績。本文從完善Y銀行的小企業(yè)信貸策略的角度,選取了具有代表性的A支行小企業(yè)信貸業(yè)務發(fā)展情況。首先,明確小企業(yè)信貸業(yè)務的概念和特點,同時闡述了城市商業(yè)銀行小企業(yè)信貸業(yè)務的難點。然后,對A支行小企業(yè)信貸的發(fā)展概況和包括行業(yè)分布、期限結構、擔保結構、風險管理、定價模式和收益結構在內的具體情況進行了介紹。接下來,結合具體案例總結A支行小企業(yè)信貸業(yè)務風險,同時總結了考察中發(fā)現支行小企業(yè)信貸業(yè)務存在的問題和成因。最后,理論結合實際,具體針對A支行目前授信業(yè)務的風險點和存在的問題提出對策建議。文章認為A支行可以通過加強抵押物風險防范、完善客戶經理制度并優(yōu)化小企業(yè)信用評級體系、信貸行業(yè)多元化布局并建立風險預警機制和關注小企業(yè)民間借貸融資行為加強小企業(yè)信貸風險管理,并且應該通過明確小企業(yè)戰(zhàn)略目標、加強信貸隊伍建設、專業(yè)化產品開發(fā)、加強風險管理、完善定價機制、提升綜合化金融服務和積極助推小企業(yè)發(fā)展壯大的全面舉措,提升本行小企業(yè)信貸業(yè)務質量。
[Abstract]:With the increasing contribution of small and medium-sized enterprises to the development of the national economy, the management and development of small and medium-sized enterprises have attracted wide attention from all sides, providing sustainable and high-quality financial services for small and medium-sized enterprises. In particular, it is very important to solve the problem of financing difficulties of small enterprises for a long time. Many theoretical studies show that city commercial banks have natural comparative advantages in serving small enterprises in service areas. It is an important force to solve the problem of financing difficulties for small enterprises. In the case of domestic commercial banks vigorously promoting the credit business of small enterprises, by subdividing the market, we can further clarify the credit business strategy of small enterprises. To perfect the credit business strategy of small enterprises in combination with their own problems is conducive to the rapid growth and development of their own business, and to obtain a huge competitive advantage. Local small enterprises and local economic development will also benefit infinitely. Y Bank as a city commercial bank, has been committed to the development of small and micro finance, has made certain achievements. Select the representative A sub-bank small enterprise credit business development. First, clarify the concept and characteristics of small enterprise credit business, and at the same time explain the difficulties of small enterprise credit business of city commercial bank. This paper introduces the development of small business credit in Sub-branch A, including industry distribution, term structure, guarantee structure, risk management, pricing model and income structure. Combined with specific cases to sum up the risk of small business credit business in Sub-bank A, at the same time, it summarizes the problems and causes of the credit business of small enterprises in branch A. finally, combining theory with practice, Aiming at the risk points and existing problems of A branch at present, the paper points out that branch A can improve the system of customer manager and optimize the credit rating system of small enterprises by strengthening the risk prevention of collateral, and improving the credit rating system of small enterprises. The diversification of the credit industry and the establishment of a risk warning mechanism and attention to the private lending and financing behavior of small enterprises strengthen the credit risk management of small enterprises, and should strengthen the construction of credit teams and specialized product development by clarifying the strategic objectives of small enterprises. Strengthen risk management, improve pricing mechanism, promote comprehensive financial services and actively promote the development and growth of small enterprises, and improve the quality of small business credit business.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.4;F276.3

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本文編號：1571515