石嘴山银行银川分行小企业信贷业务发展策略分析研究会计学专业.doc

摘 要 随着我国经济的发展和金融体系的不断完善，我国小企业信贷市场也取得了长足的发展。近年来，很多商业银行都开始纷纷争夺这块市场，中小银行由于自身的发展特点，更加注重小企业信贷市场的发展。因为中小银行在与大型商业银行争夺大客户，寻求规模优势的过程中，面临着激烈的市场竞争。此外，中小银行得以发展的源头就是小企业信贷业务的支持。在现今的经济形式和金融体制下，中小银行将小企业信贷业务作为自身的发展策略之一。以小企业信贷为基础，将拓展对小企业信贷的金融服务作为业务重点，是中小银行结合自身信用规模、经营实力做出的必然选择。石嘴山银行银川分行作为新新成立的中小银行，也将小企业信贷业务作为了自己的发展重点之一。但在银川分行实施小企业信贷业务的策略中，仍存在很多问题。论文在这样的背景下对石嘴山银行银川分行小企业信贷业务存在的问题进行了分析，并提出了相应的发展策略。旨在为银川分行小企业信贷业务的发展提供参考和建议。 首先，论文对石嘴山银行银川分行小企业贷款现状和问题进行了分析，主要分析内容包括：石嘴山银行银川分行简介以及分行现状、银川分行小企业贷款存在的问题。其中银川分行小企业贷款存在的问题主要表现在：目标市场不够稳定、小企业授信审批流程繁琐、考核激励机制没有针对性、宣传及营销渠道欠缺，影响小企业获得增值金融服务以及银川分行现有信用评级制度无法准确评估中小企业。 其次，对银川分行小企业贷款战略方案进行设计。主要包括小企业贷款差异化战略、小企业贷款业务的策略、小企业贷款业务市场开发。 最后，论文分析了银川分行小企业贷款战略方案实施策略。实施内容主要包括：简化小企业审批程序；建立符合小企业贷款的信贷管理模式；各支行建立专业的小企业信贷部门；建立专门的营销团队；建立专门的激励考核体系；丰富担保手段逐步完善小企业贷款产品；加强风险防范和监督；实施多元化金融服务策略。 论文所有的研究皆基于对银川分行小企业信贷业务发展实际情况的分析，因此，最后提出的研究策略也具有实效性，能够为银川分行小企业信贷业务的发展提供决策依据。 关键词：小企业信贷业务；发展现状；存在的问题；战略方案设计；实施建议 Abstract With the development of China's economy and financial system of continuous improvement, small business credit market has made leaps and bounds. In recent years, many commercial banks have begun to compete for this market, small and medium banks due to their own development characteristics, pay more attention to the development of small business credit market. Because small and medium-sized banks in the process of competition for large customers, large commercial banks to seek scale advantages, faces fierce competition in the market. In addition, small and medium-sized banks can be a source of development is the small business credit business support. In the form of economic and financial system, medium and small banks to small business credit business as one of their own development strategies. Small business credit, will expand financial services to credit for small businesses as a business focus, small and medium-sized banks with their own credit scale, the inevitable choice of business strength. Shizuishan Yinchuan branch of the Bank as a newly established small and medium-sized banks, small business credit business as one of their own development priorities. However, in Yinchuan branch of small business credit business strategy, there are still many problems. The papers in this context of the existing problems of the the Shizuishan banks Yinchuan branch small business credit business analysis and development strategy. Designed to provide references and suggestions for the development of small business credit business in Yinchuan branch. First, the paper carried out analysis the Shizuishan the Yinchuan branches of the Bank of small business loans status and problems, the main analysis include: the the Shizuishan the Yinchuan branches of the Bank of profiles as well as a branch of the status quo, the problems of small business loans Yinchuan branch. The problems of small business loans Yinchuan branch: the target market is not stable enough, small business credit approval process is cumbersome, not targeted assessment and incentives, lack of publicity and marketing channels, affect small businesses with value-added financial services and Yinchuan branch existing credit rating system is not an accurate assessment of small and medium-sized enterprises. Secondly, the design strategy program for small business loans Yinchuan branch. Including a strategy of differentiation of small business loans, small business loan business strategy, small business lending market development. Finally, the paper analyzes the Yinchuan branch small business lending strategies for program implementation strategies. Implementation of content include: simplify the approval procedures of small businesses; small business loans, credit management model; the branch to develop a professional small business credit department; the establishment of a dedicated marketing team; the establishment of specialized incentive and evaluation system; rich guarantee means gradual improvement of corporate lending products; strengthen risk prevention and supervision; the implementation of diversified financial services strategy. All research papers are based on analysis of the actual situation on the development of small business credit business, Yinchuan branch Finally, the research strategy is also effective, and provide the basis for decision making for the development of small business credit business in Yinchuan branch. Keywords: Small business credit business; Development status; problems; Strategic program design; Implementation of the proposed 目 录 摘 要 I Abstract II 第一章 绪论 1 1.1研究背景 1 1.2研究目的与意义 2 1.2.1研究目的 2 1.2.2研究意义 3 1.3研究的内容及方法 3 1.3.1研究内容 3 1.3.2研究方法 4 1.4研究的基本框架 5 1.4.1论文的基本框架 5 1.4.2论文的技术路线 5 第二章 相关文献综述 7 2.1小企业的概念与界定 7 2.1.1小企业的概念特点 7 2.1.2我国小企业的界定标准 8 2.2主要贷款理论 8 2.2.1商业贷款理论 8 2.2.2关系型贷款理论 9 2.2.3商业银行授信理论 10 2.3银行信贷策略 11 2.3.1行业信贷政策 11 2.3.2客户信贷政策 11 2.3.3产品信贷政策 12 2.3.4区域信贷政策 12 第三章 石嘴山银行银川分行小企业贷款