I 中文摘要 小微企业与个体工商经济在提供社会就业岗位、促进我国供给侧结构改革、 提升国民生产总值中发挥着不容忽视的作用，因而国家也愈加重视对小微企业 与个体工商经济的扶持，出台多项金融政策来引导各大金融机构为这类型贷款 主体提供金融服务，帮助小微企业与个体工商户等解决资金困难的问题，为其 提供金融支持。 B银行P支行个人经营性贷款业务主要为当地中小微企业、个体工商户、家 庭生产单位提供金融贷款服务，2017年业务开展以来为当地多家企业和个体工 商户等提供了资金支持，对提升当地小微经济做出了一定的贡献。但其在发展 过程中也存在业务质量较低、业务比重较低、不良贷款率相对较高等问题，这 是P支行发展个人经营性贷款业务需要解决的瓶颈。本文通过分析B银行P支 行个人经营性贷款业务现状可以深入了解问题产生的成因，并立足于P支行业 务发展实际情况提出有针对性的发展建议，研究结果可以为同类型商业银行个 人经营性贷款业务发展提供参考思路，同时也可以优化B银行P支行个人经营 性贷款业务结构与业务管理，提升B银行P支行在当地金融行业的整体竞争力。 研究内容包含七个部分：第一部分绪论，介绍研究的背景与意义，研究方 法、技术路线以及研究的创新与不足。第二部分，整理个人经营性贷款业务的 国内外研究成果。第三部分，梳理个人经营性贷款业务的分类与特点，以及开 展个人经营性贷款业务的必要性，归纳与个人经营性贷款业务的相关理论。第 四部分通过研究B银行P支行个人经营性贷款业务发展现状，分析B银行P支 行个人经营性贷款的开展现状与业务数据，通过对客户以及工作人员的问卷调 查分析业务开展过程中存在的问题，运用SWOT分析法对B银行P支行的发展 策略进行归纳总结。第五部分对B银行P支行个人经营性贷款业务中存在的问 题及问题形成的原因进行分析，B银行P支行个人经营性贷款业务存在的问题主 要是个人经营性贷款业务结构不合理、业务质量不高、风险管理不全面以及业 务运营管理不足，原因在于经营理念偏差、对业务流程管理不足、风险管理机 制不健全、营销推广渠道狭窄等。第六部分对B银行P支行个人经营性贷款业 务发展提出策略，包括创新个人经营性贷款发展路径、提升业务管理水平、强 中文摘要 II 化风险管理以及创新运营管理四个对策。第七部分结论与展望，总结研究结论 并展望。 关键词：个人经营性贷款；业务流程；风险管理；运营管理 英文摘要 III A study on the development of personal operating loan business of B Bank P sub-branch Yin Yanfei Business Administration Directed by Yang Xuemei Abstract Small micro enterprises and individual industrial and commercial economy in providing social employment, promote our country supply side structural reform, improve the gross national product plays a role that nots allow to ignore, and countries are also more and more attention to small enterprises and individual industrial and commercial economy support, a number of financial policy to guide each big financial institutions provide financial services for this type of loan main body, Help small and micro enterprises and individual industrial and commercial households to solve the problem of capital difficulties, and provide financial support for them. The personal operating loan business of P Sub-branch of Bank B mainly provides financial loan services for local small, medium and micro enterprises, individual industrial and commercial households, and family production units. Since the launch of the business in 2017, it has provided financial support for a number of local enterprises and individual industrial and commercial households, making a certain contribution to the improvement of local small and micro economy. However, in the process of development, there are also problems such as low business quality, small business scale and high non-performing loan ratio, which are the bottleneck to be solved in the development of personal operating loan business of P Sub-branch. By analyzing the current situation of personal operating loan business of P Sub-branch of Bank B, this paper can deeply understand the causes of the problems, and put forward targeted development suggestions based on the actual situation of the business 英文摘要 IV development of P Sub-branch. The research results can provide reference ideas for the development of personal operating loan business of the same type of commercial banks. At the same time, it can also optimize the business structure and business management of personal operating loan of P Sub-branch, so as to enhance the overall competitiveness of P Sub-branch in the local financial industry. The research content includes seven parts: The first part is the introduction, which introduces the background and significance of the research, the research methods, technical routes, and the innovation and deficiency of the research. The second part, sorting out the domestic and foreign research results of personal operating loan business. The third part summarizes the classification and characteristics of personal operating loan business, as well as the necessity of carrying out personal operating loan business, and summarizes the related theories of personal operating loan business. The fourth part through research the P Sub-branch of Bank B personal operating loan business development present situation, analysis P Sub-branch of personal operating loans to carry out the present situation and the business data,, through the analysis of the questionnaire survey to customers and staff of the business problems that exist in the process, using the method of SWOT to P Sub-branch paper summarizes development strategy. The fifth part analyzes the problems existing in the personal operating loan business of P Sub-branch and the causes of the problems. The problems existing in the personal operating loan business of P Sub-branch are mainly the lack of universality of personal operating loan, low business quality, incomplete risk management and insufficient business operation management. The reasons lie in the deviation of business philosophy, insufficient management of business processes, unsound risk management mechanism and narrow marketing channels. The sixth part puts forward strategies for the development of personal operating loan business of P Sub-branch, including four countermeasures of innovating the development path of personal operating loan, improving the business management level, strengthening risk management and innovating the operation management. The seventh part conclusion and prospect, summarize the research 英文摘要 V conclusion and prospect. Keywords:personal operating loan; business process; risk management; operation management 目录 VI 目 录 中文摘要 .................. I Abstract ................ III 第一章 绪论 ............... 1 第一节 研究背景 ........ 1 第二节 研究意义 ........ 2 第三节 研究方法与技术路线 ................... 2 一、研究方法 ............................ 2 二、技术路线 ............................ 3 第四节 研究内容 ........ 4 第五节 研究的创新性与不足 ................... 6 一、研究创新点 ........................ 6 二、研究不足 ............................ 6 本章小结 ...................... 7 第二章 个人经营性贷款研究现状 ............................ 8 第一节 国外研究现状 8 一、风险管理 ............................ 8 二、业务管理 ............................ 9 第二节 国内研究现状 9 一、业务与产品创新 .............. 10 二、银行内部业务管理 .......... 10 本章小结 .................... 11 第三章 个人经营性贷款业务理论概述 ....................... 13 第一节 个人经营性贷款的分类 ............. 13 第二节 个人经营性贷款的特征 ............. 13 一、贷款期限短 ...................... 13 二、贷款用途多 ...................... 14 三、贷款风险高 ...................... 14 第三节 发展个人经营性贷款业务的必要性 ........................ 14 一、国家普惠金融政策导向 .. 14 二、优化银行存贷结构 .......... 15 第四节 个人经营性贷款业务的理论基础 ............................ 16 一、普惠金融经济理论 .......... 16 二、银行市场营销理论 .......... 17 三、金融创新理论 .................. 17 本章小结 .................... 18 目录 VII 第四章 B银行P支行个人经营性贷款业务发展现状 ........... 19 第一节 B银行P支行个人经营性贷款业务发展现状 ........ 19 一、 B银行P支行整体概况 19 二、 B银行P支行个人经营性贷款业务发展现状 ........................... 19 第二节 B银行P支行个人经营性贷款业务问卷调查 ........ 25 一、问卷设计与发放 .............. 25 二、问卷结果统计 .................. 26