中小企业是我国国民经济发展的重要组成部分,在我国经济结构转型过程

中扮演着举足轻重的角色,同时也发挥着无可替代的作用。但是,中小企业却

往往很难获得与之相适应的金融资源,究其原因,融资难的现状受制于现实中

的诸多因素及各种金融限制,以致长期未得到有效解决。而商业银行受金融环

境的影响,彼此之间的竞争愈演愈烈。加快信贷结构调整,XX银行郑州分行将

中小企业信贷业务作为未来重要的发展方向,调整信贷结构,以此作为适应未

来金融环境变化的战略决策。

为了研究XX银行郑州分行中小企业授信业务,并提出具有现实意义的对策

建议,本文通过阐述河南省中小企业信贷业务发展的现况,同时也对XX银行郑

州分行进入中小企业信贷市场必要性的分析基础之上,深入解析在促进中小企

业融资业务发展过程中出现众多问题,比如对中小企业信贷业务缺乏足够的认

识和重视,信贷业务流程及风险管理体系不健全,缺乏信贷业务产品的创新,

银企信息不对称,业务合作渠道狭窄,从业人员激励与约束制度不健全等,从

明确中小企业信贷业务发展的重点和方向,优化信贷业务操作流程,加强中小

企业信贷风险管理,研发创新型金融产品,解决银企信息不对称现状,以人为

本培养风险意识和专业化信贷管理队伍六个方面提出解决XX银行郑州分行中小

企业信贷业务发展瓶颈的对策建议,以期增强XX银行郑州分行中小企业信贷业

务市场的竞争力,将XX银行郑州分行中小企业信贷业务推向一个新的高度。

关键词:中小企业;信贷业务;风险管理;产品创新

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Abstract

Small and medium-sized enterprises are an important part of the national

economy, and play an important and irreplaceable role in the process of economic

structure transformation in our country. However,due to the influence of various

factors,small and medium-sized enterprises is often difficult to obtain financial

resources. These companies are facing financing problems, and the financing

difficulties have not been solved effectively. For commercial banks, as the change of

financial situation, competition between banks has become more and more vehement.

Thus, to fight against foture financial changes, speeding up the credit structure

modification and vigorously developing of small and medium-sized enterprises credit

business has become the strategic choice of Zhengdiou branch office of XX bank.

To study the credit business of small and 丨 medium-sized enterprise of

Zhengzhou branch office of XX bank,and to provide realistic proposals, this thesis

expounds the current situation of Henan small and medium-sized enterprise credit

business development and the necessity of Zhengzhou branch office of XX bank

engaging financing mall and medium-sized enterprise, then deeply analyzes the lack

of attention of such banks for small and medium-sized enterprise credit business, tLe

imperfection during the process of risk control administration, the lack of innovation

of credit business product, the asymmetric information between banks and companies,

the restriction of business cooperation channel, lack of sound staff incentive and

restriction system etc. From the perspective of a cleaij focus on the direction of the

small and medium-sized enterprise credit business development, we propose to

optimize the credit business process, strengthen tlie small and medium-sized

enterprise credit risk management, research and develqpment of innovative financial

products, help the current situation of asymmetric information, create people-oriented

culture risk consciousness and the professional credit management, thus hopeing to

enhance the competitiveness of Zhengzhou branch office of XX bank in the small and

medium-sized enterprise credit business market,and bringing this business to a new

height.

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