我国小微企业对提高国民收入、解决就业、民生改善等方面发挥重要作用。而商 业银行通过发展小微信贷业务，可以实现客户多元化，有效分散风险，促进商业银行 尤其是中小商业银行向零售型银行转型。本文选择农业银行SNS支行为研究对象，对 小微企业信贷业务面临的问题及其成因展开研究，并针对如何发展小微企业信贷业务 提出相应的建议。研究旨在进一步提升SNS支行的竞争优势，加快其小微企业信贷业 务发展，同时，也为其它商业银行推进小微企业信贷业务发展提供借鉴。 研究内容包含七个部分。第一章引言。介绍研究背景及意义、国内外研究综述、 研究内容及方法。第二章相关概念和理论基矗梳理本研究所涉及的相关概念和基础 理论，总结小微企业信贷业务的特点，分析小微企业信贷业务市常第三章农业银行 SNS支行小微企业贷款业务现状。分析青岛银行业小微企业信贷业务基本情况，农业 银行SNS支行小微信贷业务现状。第四章农业银行SNS支行小微企业贷款业务面临的 问题。包括产品与需求不匹配、服务效率低、对客户服务的协同效应不足等方面。第 五章，同业小微企业信贷业务发展经验与借鉴。总结同业小微企业信贷业务发展经验， 分析其对SNS支行的启示与借鉴。第六章农业银行SNS支行小微企业信贷业务发展对 策。涵盖配套小微企业信贷服务体系、匹配多样化需求、提升服务效率、提升协同效 应以及农业银行SNS支行小微企业信贷业务发展的保障措施，包括制度保障、组织保 障和技术保障。最后是结论。 研究认为：第一，金融开放不断扩大，多层次、跨业态的竞争使小微企业信贷业 务市场竞争更加激烈。第二，SNS支行现有小微企业信贷业务面临产品与现实需求不 匹配、服务效率低、对客户服务的协同效应不足等问题。第三，在经济新常态背景下， 小微企业的金融需求逐步向个性化、多元化的方向发展，SNS支行给小微企业提供的 单一的信贷产品已经难以满足他们的需求。第四，SNS支行小微企业信贷业务的管理 体系具有突出的行政特征，相关流程过于繁杂，服务效率受到严重影响。从银行的角 度来看，开展小微信企业信贷业务是商业银行优化自身发展结构，提升盈利水平的必 由之路。为解决发展小微企业信贷业务面临的诸多问题，建议农业银行SNS支行应该 突出互联网思维，善于利用大数据，通过提升服务效率、提升协同效应、配套服务体 系以满足小微企业多样化信贷需求，保障SNS支行小微企业信贷业务在更好为客户服 务基础上实现长久发展。 关键词：小微企业；信贷业务；发展策略；农业银行SNS支行 ResearchontheDevelopmentStrategyofCreditBusinessofSmalland MicroEnterprisesinAgriculturalBankSNSSub-branch Abstract SmallandmicroenterprisesinChinaplayanimportantroleinraisingnationalincome, solvingemployment,andimprovingpeople'slivelihood.Bydevelopingsmallandmicro creditbusinesses,commercialbankscandiversifycustomers,effectivelydiversifyrisks,and promotethetransformationofcommercialbanks,especiallysmallandmedium-sized commercialbanks,intoretailbanks.FromthestandpointofSMEs,lackoffundsandpoor financingchannelshavebecomeoneofthemajorproblemsfacingthedevelopmentofsmall andmicroenterprises.Ontheonehand,duetothelackofstandardizedfinancial management,itssmallscale,shortdevelopmenttime,andthelowauthenticityofsome financialindicators,itisdifficultforsmallandmicroenterprisestoobtaincreditfrombanks. Ontheotherhand,financialinstitutionssuchasbanksarereluctanttolendtosmalland microenterprisesduetocost,benefit,andriskconsiderations.Basedonthis,howtoprovide betterfinancialservicestosmallandmicroenterprisesonthebasisoftheirowninterest growthisnotaffectedhasbecometheprimaryissuefacingcommercialbanks. BasedontheresearchobjectofSNSbranchbehaviorofAgriculturalBankofChina,this paperconductsresearchonthecreditproblemofsmallandmicroenterprisesinsevenparts. ChapterOneIntroduction.Introducetheresearchbackgroundandsignificance,domesticand foreignresearchreview,researchcontentandmethods.Thesecondchapteristhecore conceptandtheoreticalbasis.Sortoutthecoreconceptsandrelatedbasictheoriesinvolved inthisresearch,summarizethecharacteristicsofsmallandmicroenterprisecreditbusiness, andanalyzethesmallandmicroenterprisecreditbusinessmarket.Thethirdchapteristhe statusofsmallandmicroenterpriseloanbusinessofAgriculturalBankSNSbranch.Explain thebasicsituationofsmallandmicroenterprisesinQingdao,analyzethebasicsituationof smallandmicrocreditbusinessinQingdaobankingindustry,comparethesmallandmicro creditbusinessofQingdaoAgriculturalBank,andthecurrentstatusofsmallandmicro creditbusinessofAgriculturalBankSNSsub-branch.Thefourthchapteristheproblems facedbythesmallandmicroenterpriseloanbusinessofAgriculturalBankSNSbranch. Theseincludeaspectssuchasproductmismatchwithdemand,lowserviceefficiency,and insufficientsynergywithcustomerservice.ChapterV,theexperienceandreferenceofthe creditbusinessdevelopmentofsmallandmicroenterprisesinthesameindustry.Summarize theexperienceofthecreditbusinessdevelopmentofsmallandmicroenterprisesinthesame industry,andanalyzeitsenlightenmentandreferenceforSNSbranches.Thesixthchapteris thecountermeasuresofsmallandmicroenterprisecreditbusinessdevelopmentof AgriculturalBankSNSsub-branch.Coveringsupportingsmallenterprisecreditservice systems,matchingdiversifiedneeds,improvingserviceefficiency,enhancingsynergies,and theguaranteemeasuresforthedevelopmentofsmallandmicroenterprisecreditbusinessof AgriculturalBankSNSsub-branch,includingsystemguarantee,organizationalguarantee andtechnicalguarantee.Finally,theconclusion. Thestudybelieves:First,therapiddevelopmentoffinancialtechnologyhascausedprofound changesintheoperatingmethodsofsmallandmicroenterprisecreditbusinesses.Financial openinguphascontinuedtoexpand,andmulti-level,cross-sectorcompetitionhasmadethe competitionforsmallandmicroenterprisecreditbusinessmarketsmoreintense.Second, constrainedbythemulti-levelmanagementapproach,SNSsub-branchesfacedserious informationasymmetryproblems,whichledtoasignificantincreaseinagencycosts,andthe developmentofsmallandmicroenterprises’creditbusinesswasalsoseverelyandadversely affected.Thecreditbusinessdevelopmentmodelisdifficulttoadapttotherequirementsof thenewsituation.Itismainlyreflectedinthreeaspects:mismatchbetweenproductsand actualneeds,lowserviceefficiency,andinsufficientsynergyeffectoncustomerservice.As aresult,itisdifficultforsmallandmicroenterprisestomeetthenewdemandforfinancing undertheneweconomicnormal.Third,undertheinfluenceofthenewnormalofthe economy,thefinancialneedsofsmallandmicroenterpriseshavegraduallydeveloped towardthedirectionofpersonalizationanddiversification.Affectedbythis,theunified creditproductsprovidedbytheSNSsub-branchtosmallandmicroenterpriseshavebeen unabletomeettheirneeds.Fourth,thecreditbusinessofsmallandmicroenterprisesinSNS sub-branchesisseriouslycomplicatedbyitsrelatedprocesses,whichhasseriouslyaffected itsserviceefficiency.ThemanagementsystemofSNSsub-branchsmallandmicro enterprisecreditbusinesshasoutstandingadministrativecharacteristics,andalwaysadheres totheproductastheguidingdirection,whichseriouslyrestrictsthecoordinationeffectof customerservice.SNSsub-branchesshouldhighlightInternetthinking,begoodatusingbig data,andmeetthediversifiedcreditneedsofSMEsbyimprovingserviceefficiency, synergies,andsupportingservicesystemstoensurethatSNSsub-branch'ssmallandmicro businessescanachievelong-termdevelopmentbasedonbettercustomerservice. Keywords:smallandmicroenterprises;creditbusiness;developmentstrategy;agricultural bankSNSbranch 目录 第1章引言..1 1.1研究背景及意义....................1 1.1.1研究背景........................1 1.1.2研究意义........................3 1.2文献综述.3 1.2.1国外研究........................3 1.2.2国内研究........................4 1.2.3文献评述........................6 1.3研究内容及方法....................6 1.3.1研究内容........................6 1.3.2研究方法........................8 第2章相关概念和理论基础.....9 2.1相关概念.9 2.1.1小微企业........................9 2.1.2信贷业务........................9 2.2相关理论综述......................10 2.2.1信贷配给理论..............10 2.2.2信贷风险理论..............10 2.2.3信息不对称理论..........11 2.2.4麦克米伦缺口理论......12 2.3小微企业信贷业务的特点..12 2.3.1业务风险大..................12 2.3.2运营成本高..................13 2.3.3组织管理难..................13 2.3.4发展成效慢..................13 2.4小微企业信贷业务市场分析.............................13 2.4.1外部经济环境变化......13 2.4.2小微企业信贷市场变化.............................14 第3章农业银行SNS支行小微企业贷款业务现状...........................16 3.1青