I 摘要 近年来，我国国民经济正处于飞速发展期，小微型企业的数量也在逐年增 加，在其发展的过程中，对资金的需求也在不断增大。商业银行作为小微企业获 取资金的重要金融机构，其小微企业信贷业务也在不断发展。但随着这几年国家 经济的宏观调控，小微企业规模较小、财务制度不规范、抗风险能力较差等问题 逐步显现出来，小微企业信贷业务的经营风险也在逐渐提高。那么，如何在现有 经济形势下，发展小微企业信贷业务，也成了各家商业银行不断探索的问题。 本论文在文献研究的基础上，结合作者近年来从事小微企业信贷业务的工作 经验及心得，对洛阳银行小微企业信贷业务发展问题进行了研究。通过对小微企 业的概念和信贷理论的分析，以及对洛阳银行小微企业信贷业务的发展现状进行 分析，最终发现，目前洛阳银行小微企业信贷业务主要存在业务发展模式落后、 营销手段匮乏、产品更新缓慢、贷款流程不合理、人员管理不足等问题。本文针 对这些问题，通过借鉴国内中小商业银行发展小微企业信贷业务的经验，从业务 模式、营销、产品、人员和贷款流程等几个方面对洛阳银行小微企业信贷业务提 出了新的发展对策，希望能帮助洛阳银行尽快改善目前信贷业务发展迟缓的现 状，同时也为我国同类信贷银行提供相应的改善理论参考。 关键词：洛阳银行，小微企业，信贷业务，发展 论文类型：应用类 选题来源：其他 ABSTRACT II ABSTRACT Inrecentyears,China'snationaleconomyisinaperiodofrapiddevelopment,the numberofsmallandmicro-enterprisesareincreasingyearbyyear,inthecourseofits development,thedemandforfundsisalsoincreasing.Asanimportantfinancial institutionforsmallandmicro-enterprisestoobtainfunds,commercialbanksarealso developingtheirsmallandmicro-enterprisescreditbusiness.However,withthe developmentofthenationaleconomyinMacroeconomicregulationandcontrol,the problemsofsmallandmicro-enterprisessuchassmallscale,irregularfinancialsystem andpoorabilitytoresistriskshavegraduallyemerged,andtheoperationalrisksofthe creditbusinessofsmallandmicro-enterpriseshavegraduallyincreased.So,howto developthecreditbusinessofsmallandmicro-enterprisesunderthecurrenteconomic situation,hasalsobecomethequestionthateachcommercialbankexplores unceasingly. Onthebasisofliteratureresearch,thispaper,combinedwiththeauthor'sworking experienceandexperienceinrecentyears,makesastudyonthedevelopmentof micro-enterprisecreditbusinessofLuoyangBank.Throughtheanalysisoftheconcept andcredittheoryofsmallandmicroenterprises,aswellasthecurrentsituationofthe developmentofthesmallandmicroenterprisescreditbusinessoftheBankof Luoyang,itisfoundthat,atpresent,therearesomeproblemsinthecreditbusinessof smallandmicroenterprisesofLuoyangbanks,suchasthebackwardbusiness developmentmodel,thelackofmarketingmeans,theslowrenewalofproducts,the unreasonableloanprocess,theinsufficientmanagementofpersonnel,etc..Inviewof theseproblems,thispaperdrawsontheexperienceofdomesticsmallandmedium- sizedcommercialbanksindevelopingthecreditbusinessofsmallandmicro enterprisesFromtheaspectsofbusinessmodel,marketing,products,personneland loanprocess,thispaperputsforwardnewdevelopmentcountermeasuresforthecredit businessofsmallandmicroenterprisesofLuoyangbanksWehopetohelpLuoyang bankstoimprovetheslowdevelopmentofcreditbusinessassoonaspossible,butalso toprovidesimilarcreditbanksinChinatoimprovethecorrespondingtheoretical reference. KEYWORDS:LuoyangBank,Smallandmicroenterprises,Credit operations,Develop ABSTRACT III Dissertationtype:ApplicationClass Subjectsource:Others 目录 IV 目录 第一章绪论..................................................................................................1 第一节研究背景及意义............................................................................................1 一、研究背景..........................................................................................................1 二、研究意义..........................................................................................................1 第二节国内外研究综述............................................................................................1 一、国外研究综述..................................................................................................1 二、国内研究综述..................................................................................................2 第三节研究内容.........................................................................................................3 第四节研究方法.........................................................................................................4 第二章相关概念及理论概述.....................................................................7 第一节相关概念.........................................................................................................7 一、小微企业的概念..............................................................................................7 二、小微信贷的概念..............................................................................................7 第二节相关理论.........................................................................................................8 一、麦克米伦缺口理论..........................................................................................8 二、信息不对称理论..............................................................................................8 三、信贷配给理论..................................................................................................8 第三章洛阳银行小微企业信贷业务发展现状和问题..........................11 第一节洛阳银行小微企业信贷业务的发展历程..................................................11 第二节洛阳银行小微企业信贷业务发展现状......................................................12 一、信贷模式........................................................................................................12 二、业务流程........................................................................................................12 三、信贷产品........................................................................................................13 四、人员情况........................................................................................................14 第三节洛阳银行小微企业信贷业务发展存在的问题..........................................15 一、营销方式缺乏更新，效率低下....................................................................15 二、产品更新缓慢，缺乏市场竞争力................................................................16 三、审贷环节增加，贷款时间加长....................................................................16 四、人员问题较多，无力拓展市场....................................................................16 五、风险控制较差，贷款不良率高....................................................................17 目录 V 第四章我国中小商业银行发展小微企业信贷业务的经验..................19 第一节浙江民泰银行的小微企业信贷业务发展情况..........................................19 一、浙江泰民商业银行基本情况........................................................................19 二、小微企业信贷业务发展情况........................................................................19 第二节四川天府银行小微企业信贷业务发展情况..............................................20 一、四川天府银行基本情况................................................................................20 二、小微企业信贷业务发展情况........................................................................20 第三节江苏银行小微企业信贷业务发展情况......................................................20 一、江苏银行基本情况........................................................................................21 二、小微企业信贷业务发展情况........................................................................21 第四节经验总结.......................................................................................................21 第五章推进洛阳银行小微企业信贷业务发展的对策..........................23 第一节改变小微企业信贷业务的发展模式..........................................................23 一、目前市场上常见的小微企业信贷业务发展模式.......................................23 二、洛阳银行小微企业信贷业务的模式选择....................................................24 第二节创