【摘要】：隨著我國經(jīng)濟的發(fā)展,中小企業(yè)在促進國民經(jīng)濟發(fā)展、豐富市場經(jīng)濟活力、吸收大量城鄉(xiāng)就業(yè)等許多方面起著越來越重要的作用。但是相對的,中小企業(yè)因為其規(guī)模小財務制度不健全等原因,一直以來很難獲得與其經(jīng)濟貢獻相匹配的金融支持,中小企業(yè)的融資缺口嚴重影響著其發(fā)展壯大。銀行方面,隨著業(yè)內(nèi)競爭的日趨激烈,不少銀行開始將注意力轉(zhuǎn)移到市場潛力巨大的中小企業(yè)甚至小微企業(yè)貸款業(yè)務之上,以求開拓新的穩(wěn)定的利潤增長點。 G行南寧分行的小微貸業(yè)務創(chuàng)新地應用供應鏈金融理論,開展集群營銷業(yè)務,創(chuàng)新的將在散戶情況下企業(yè)規(guī)模小、財務制度不健全等原因造成的信息不對稱問題放置在集群營銷中解決,利用在集群背景下軟信息收集便利解決因信息不對稱造成的小微企業(yè)貸款難問題。本文以G行南寧分行小微企業(yè)貸款業(yè)務為研究對象,通過實地實習、訪談,問卷調(diào)查等方式,并結(jié)合相關(guān)文獻,分析研究G行南寧分行小微企業(yè)貸款業(yè)務的優(yōu)缺點,并針對其業(yè)務開展過程中具體存在的問題進行分析,提出了以下改進措施,一是擴大小微業(yè)務范圍,逐步降低業(yè)務借鑒程度；二是標準化風險控制措施,探索建立“信貸工廠”業(yè)務模式；三是加強客戶經(jīng)理隊伍建設,進行系統(tǒng)性人才培養(yǎng)；四是加深市場開發(fā)層次,探索建立專業(yè)化支行。希望這些改進措施和發(fā)展意見能對后續(xù)研究以及該行未來發(fā)展有微薄助益。
[Abstract]:With the development of China's economy, small and medium-sized enterprises play a more and more important role in promoting the development of national economy, enriching the vitality of market economy, absorbing a large number of urban and rural employment and so on. However, because of its small scale financial system is not perfect, it has been difficult for SMEs to obtain financial support matching with their economic contribution. The financing gap of SMEs seriously affects their development and growth. On the banking side, with the increasingly fierce competition in the industry, many banks have begun to turn their attention to the lending business of small and medium-sized enterprises or even small and micro enterprises with great market potential. In order to open up a new stable profit growth point, G Bank Nanning Branch's small micro-loan business innovatively applies the theory of supply chain finance to develop the cluster marketing business, and the innovative business will be small in the case of individual investors. The problem of information asymmetry caused by imperfect financial system is solved in cluster marketing, and the problem of small and micro enterprise loan caused by information asymmetry is solved by using soft information collection in the context of cluster. This paper takes the loan business of small and micro enterprises in Nanning Branch of G Bank as the research object, analyzes the advantages and disadvantages of the loan business of small and micro enterprises in Nanning Branch by means of field practice, interview, questionnaire, and other relevant documents. Based on the analysis of the specific problems in the process of business development, the following improvement measures are put forward, one is to expand the scope of small and micro business and gradually reduce the business reference level, the other is to standardize the risk control measures, To explore the establishment of "credit factory" business model; third, to strengthen the construction of customer managers, to carry out systematic personnel training; fourth, to deepen the level of market development, and to explore the establishment of specialized branches. It is hoped that these improvements and development advice will be of little help to the follow-up study and to the future development of the bank.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3

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