摘 要

我国金融体系改革不断向纵深发展,中小商业银行面临着监管不断加强、利率市场

化改革、金融脱媒、客户需求多元化、缺乏竞争优势等多方面的挑战,发展已进入关键

期,突破口就在于转型,寻求准确的市场定位和更科学的发展模式、制订符合自身条件

的金融服务发展战略已成为中小商业银行迫切需要解决的问题。

阜新银行大连分行是一家小型城市商业银行,目前也处于发展的转型期,考虑到近

年来受宏观经济和自身发展双重影响,且中小企业融资需求不断扩大,中小企业融资难、

融资贵已成为社会热议和焦点问题,政府及监管部门对银行业扶持中小企业发展方面提

出了更高的要求,为中小企业提供特色金融服务似乎成为了中小商业银行发展的必由之

路,因此,阜新银行大连分行也试图将战略发展目标定位在中小企业金融服务上。本文

正是针对阜新银行大连分行的实际情况,细分目标市场,寻找符合自身发展的中小企业

发展战略。通过对宏观环境、产业环境及阜新银行大连分行整体经营现状的分析,找出

阜新银行大连分行目前发展中存在的问题,并结合该行中小企业金融服务的优势、劣势、

机遇和挑战,从目标市场、营销策略、内控管理策略、薪酬激励策略等方面入手,制定

了阜新银行大连分行中小企业金融服务的发展战略,同时从调整信贷投放、简化业务流

程、优化负债结构、金融产品创新、整合营销策略、全面风险管理、不良资产处置、绩

效考核机制、企业文化建设等角度提出了战略实施的有效措施,从而解决阜新银行大连

分行在中小企业金融服务中的实际问题,保证其顺利实现战略转型,为其今后持续健康

快速发展奠定基础。

关键词:商业银行;中小企业;发展战略

阜新银行大连分行服务中小企业发展战略研究

Research on the development strategy Bank of Fuxin Dalian Branch

services to small and medium enterprises

Abstract

The financial system reform of our country continued to develop in depth, the medium and

small commercial banks face continued to strengthen supervision, the market-oriented reform

of interest rate, financial disintermediation, diversity of customer demand, the lack of

competitive advantage and other challenges, development has entered a critical period of

transformation, is a breakthrough, seek accurate market positioning and mode of development,

scientific development the development strategy of financial services in line with their own

conditions of small and medium-sized commercial banks has become an urgent need to solve

the problem.

Bank of Fuxin Dalian branch is a small city commercial banks, are now in the transition

period of development, taking into account in recent years by the macro economy and its

development of double effect, small and medium-sizpd enterprise financing demand continues

to expand, financing, financing of sma】】 and medium enterprises has become a social hot and

focus on your problems, government and regulatory departments of banks to support small and

medium business development put forward higher requirements, with features of financial

services to small and medium-sized enterprises seems to be the route one must take the

development of small and medium-sized commercial banks, therefore, Bank of Fuxin Dalian

branch is trying to strategic development goals positioning in financial services to small and

medium enterprises. This article is according to the actual situation in Bank of Fuxin Dalian

Branch, the segmentation of target market, looking for the development strategy of small and

medium-sized enterprises in line with its own development. Through the analysis of the macro

environment, industry environment and the present situation of overall business of the Bank of

Fuxin Dalian branch,Dalian branch to find out the existing problems,and combining the

advantages,disadvantages,opportunities and challenges of the financial services for small and

medium enterprises, starting from the target market, marketing strategy, Internal management

strategy,incentive strategy hand,formulated the development strategy for Bank of Fuxin Dalian

Branch financial services for small and medium enterprises, at the same time, from the

adjustment credit on simplified and puts forward some effective measures to implement the

strategy of business process,angle of the optimal debt structure, financial product innovation,

marketing strategy, comprehensive risk management, disposal of bad assets,performance

appraisal system, the construction of enterprise culture, thus to solve the practical problem

ii