互联网金融企业和传统商业银行之间不是“零和博弈”的情境，相对于传统金 融服务产品，互联网金融理财产品的替代性更强。在此背景下，受制于互联网金融 逐步逼近的市场压力，传统商业银行想要从容应对并扭转逆境，就必须积极地进行 改革与创新。因此，商业银行必须改变“傍大款、垒大户、靠资源、吃利差”的传 统的商业银行业务运营模式，积极采取措施应对互联网金融产品带来的危机和挑 战。近年来，我国互联网金融的发展势头尤其迅猛，然而随着中国特色社会主义市 场经济体制的不断完善，使我国互联网金融发展的行业环境逐步规范，但同时又出 现了新的问题。以小额信贷业务的发展为视角，互联网金融催生了种类繁多的业务 产品，然而由于行业监管缺失等因素的影响，使得商业银行小额信贷业务风险事件 频发，不利于商业银行实现可持续运营。 本研究以T农商银行为研究案例，探究互联网金融下商业银行小额信贷业务发 展策略，系统梳理了互联网金融概念、小额信贷业务相关概念和理论，在此基础上 引出互联网金融下商业银行小额信贷业务发展相关问题。基于以上内容的阐述，综 合运用SWOT分析工具和PEST分析法，对T农商银行小额信贷业务现状进行分析， 并深入分析T农商银行小额信贷业务发展所面临的外部环境和经营环境。基于对T 农商银行小额信贷业务现状分析，挖掘T农商银行小额信贷业务在互联网金融背景 下发展存在的问题，包括缺乏良好的宏观环境、自身制度策略的滞后、对互联网金 融发展反应迟缓等。针对上述T农商银行小额信贷业务现状和问题的探究，从坚持 自主经营与宏观政策相协调的策略、完善当前小额信贷政策和策略，夯实竞争基储 积极融入互联网金融的发展趋势、注重客户资源的开发与维护及农商银行内部调整 和创新，以构建完善的T农商银行小额信贷业务发展策略体系。 关键词：互联网金融；小额信贷；T农商银行 II Abstract Thereisno“zero-sumgame”betweenInternetfinancialenterprisesandtraditional commercialbanksparedwithtraditionalfinancialserviceproducts,thealternative ofInternetfinancialwealthmanagementproductsisstronger.Inthiscontext,subjectto themarketpressurethatInternetfinanceisapproaching,traditionalcommercialbanks mustactivelycarryoutreformsandinnovationsinordertocopewithandreversethe adversity.Therefore,thesmallandmediumcommercialbanksmustchangethetraditional commercialbankingbusinessoperationmodeof“bigmoney,largehouseholds,resources andeatingspreads”,andactivelytakemeasurestodealwiththecrisisandchallenges broughtbyInternetfinancialproducts.Inrecentyears,thedevelopmentofChina's Internetfinancehasbeenparticularlyrapid.However,withthecontinuousimprovement ofthesocialistmarketeconomicsystemwithChinesecharacteristics,theindustry environmentforthedevelopmentofChina'sInternetfinancehasgraduallybeen standardized,butatthesametimenewproblemshaveemerged.Fromtheperspectiveof thedevelopmentofmicrocreditbusiness,Internetfinancehasspawnedawidevarietyof businessproducts.However,duetofactorssuchasthelackofindustrysupervision,the riskofmicrocreditbusinessofthesmallandmediumcommercialbanksisfrequent, whichisnotconducivetothesustainableoperationofthesmallandmediumcommercial banks. ThisstudytakesT-RuralCommercialBankasacasestudy,exploresthemicrocredit developmentstrategyofthesmallandmediumcommercialbanksunderinternetfinance, systematicallysortsouttheconceptofInternetfinance,theconceptsandtheoriesof micro-financeofthesmallandmediumcommercialbanks,andonthisbasisleadsto Internetfinance.Thedevelopmentofmicro-financeinthesmallandmediumcommercial banks.Basedontheabove-mentionedcontent,theSWOTanalysistoolandthePEST methodareusedtoanalyzethedevelopmentstatusofthemicrocreditbusinessofT-Rural CommercialBankandanalyzetheexternalenvironmentandbusinessenvironmentfaced bythedevelopmentofthemicro-creditbusinessofT-RuralCommercialBank.Basedon theanalysisofthecurrentsituationofthemicro-financebusinessofT-CommerceBank, theproblemsinthedevelopmentofbankmicrocreditbusinessareexcavated,including thelackofagoodmacroenvironment,thelagofitsowninstitutionalstrategy,andthe slowresponsetothedevelopmentofInternetfinance.Inresponsetotheabove-mentioned researchonthestatusquoandproblemsofthemicro-financebusinessoftheRural III CommercialBank,wewilladheretothestrategyofcoordinatingself-management andmacro-policy,improvethecurrentmicrocreditpolicyandstrategy,consolidatethe competitivefoundation,activelyintegrateintothedevelopmenttrendofInternetfinance, andfocusoncustomers.Thedevelopmentandmaintenanceofresourcesandtheinternal adjustmentandinnovationoftheRuralCommercialBanktobuildasoundT-banking micro-financebusinessdevelopmentstrategysystem. Keywords:InternetFinance;Microcredit;T-RuralCommercialBank IV 目录 第1章绪论........................................................................................................................1 1.1研究的背景及意义...............................................................................................1 1.1.1研究的背景................................................................................................1 1.1.2研究的意义................................................................................................2 1.2国内外研究现状...................................................................................................2 1.2.1国外研究现状............................................................................................2 1.2.2国内研究现状............................................................................................4 1.2.3国内外研究综评........................................................................................5 1.3研究思路、方法与创新点...................................................................................6 1.3.1研究思路....................................................................................................6 1.3.2研究方法....................................................................................................7 1.3.3研究创新点................................................................................................8 第2章相关概念和分析方法概述....................................................................................9 2.1相关概念的界定..................................................................................................9 2.1.1互联网金融................................................................................................9 2.1.2小额信贷..................................................................................................10 2.2相关分析方法概述.............................................................................................10 2.2.1PEST分析方法........................................................................................10 2.2.2SWOT分析方法........................................................................................12 第3章互联网金融背景下T农商银行小额信贷业务发展现状及环境分析..............14 3.1T农商银行小额信贷业务发展现状..................................................................14 3.1.1我国商业银行小额信贷业务整体状况..................................................14 3.1.2T农商银行整体概况...............................................................................14 3.1.3互联网金融背景下T农商银行小额信贷业务开展现状......................14 3.1.4互联网金融背景下T农商银行现状分析..............................................17 3.2对T农商银行外部环境的PEST分析...............................................................17 V 3.2.1政治环境分析..........................................................................................17 3.2.2经济环境分析..........................................................................................18 3.2.3社会环境分析..........................................................................................18 3.2.4科技环境分析..........................................................................................20 3.3对T农商银行经营环境的SWOT分析...............................................................21 3.3.1优势分析..................................................................................................21 3.3.2劣势分析..................................................................................................22 3.3.3机会分析..................................................................................................23