【摘要】：小微企業(yè)是我國經(jīng)濟發(fā)展中的重要力量,小微企業(yè)融資難問題的解決對確保我國經(jīng)濟持續(xù)健康快速發(fā)展具有重大的戰(zhàn)略意義。包商銀行作為我國的商業(yè)銀行,在2005年就率先確立了“以小微企業(yè)為核心客戶”的市場定位,并學習借鑒國際先進的小微企業(yè)信貸技術,為廣泛的小企業(yè)客戶群體提供金融產(chǎn)品和服務。而傳統(tǒng)以大中型企業(yè)為主要信貸業(yè)務的信息系統(tǒng)無法適應小微企業(yè)的金融服務需求,包商銀行在長期服務于小微企業(yè)的經(jīng)驗基礎上,逐步建設完成了基于小微企業(yè)金融服務的信息系統(tǒng)。 本文在分析小微企業(yè)金融服務運作流程的基礎上,形成了包商銀行小微企業(yè)金融服務信息系統(tǒng)的總體結構,并詳細介紹了服務于小微企業(yè)金融業(yè)務的政策管理系統(tǒng)、客戶管理系統(tǒng)、業(yè)務受理系統(tǒng)、貸款管理系統(tǒng)、風險管理系統(tǒng)的建設情況。為商業(yè)銀行信息系統(tǒng)建設提供經(jīng)驗借鑒。
[Abstract]:Small and micro-enterprise is an important force in the economic development of our country. The solution of financing difficulty of small and micro-enterprise is of great strategic significance to ensure the sustained, healthy and rapid development of our economy. As a commercial bank of our country, the contractor bank took the lead in establishing the market orientation of "taking small and micro enterprises as its core customers" in 2005, and learned to learn from the international advanced credit technology of small and micro enterprises. Provide financial products and services to a wide range of small business clients. However, the traditional information system with large and medium-sized enterprises as the main credit business cannot meet the financial service needs of small and micro-enterprises. On the basis of the experience of long-term service to small and micro-enterprises, Gradually completed the small and micro-enterprise financial services based on the information system. On the basis of analyzing the operation process of financial services of small and micro-enterprises, this paper forms the overall structure of the financial service information system of small and micro-enterprises of contractors' banks, and introduces in detail the policy management system which serves the financial services of small-and micro-enterprises. Customer management system, business acceptance system, loan management system, risk management system construction. Provide the experience for the commercial bank information system construction.
【學位授予單位】：內蒙古大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2;F276.3

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