I C银行Z分行小微企业信贷业务问题及对策研究 摘要 进入21世纪以来，银行业对国家经济发展和金融安全起着无可替代的重要 作用。中小企业是扩大就业、改善民生、促进创业创新的重要力量，在稳增长、 促改革、调结构、惠民生、防风险中发挥着重要作用。但随着国际国内市场环境 变化，小微企业自身规模小、经营规范程度低、偿债能力弱等因素影响，中小微 企业面临的生产成本上升、融资难、融资贵、创新发展能力不足等问题日益突出。 因此，对中国商业银行小微企业信贷业务发展策略进行探索就显得尤为重要，对 于扶持中小企业走出“融资难、融资贵”的现实困境有重要的参考价值，对中国 社会稳定发展和国民经济安全运行有重要的参考意义。 本文以国内外现有研究为基础，以问卷调查和案例分析为主要研究方法，进 行C银行Z分行小微企业信贷业务问题及对策研究。研究发现：（1）C银行Z 分行小微企业信贷业务在H省处于中等水平，虽然其小微企业信贷业务在理念 和产品方面与同业银行相比具备一定的优势，但是依然存在诸多问题；（2）分析 C银行Z分行内外部环境发现，其在发挥自身优势，规避劣势的同时，需要抓住 金融科技和政策红利的机遇，积极面对同业竞争激烈、产品同质化、专业人才流 失等方面的挑战，在业务效率、获客渠道、风控管理等方面集中创新发展；（3） 在C银行Z分行小微信贷业务环境分析的基础上，进行了全面加强营销推广能 力，创新开发小微信贷产品的多样性，持续优化小微业务流程，加快推进风险管 理数字化转型四个方面的对策研究。 关键词：小微企业信贷业务；对策研究；案例分析 ABSTRACT III ASTUDYONTHEPROBLEMSANDCOUNTERMEASURES OFSMALLANDMICROENTERPRISECREDITBUSINESSIN THEBRANCHZOFBANKC ABSTRACT Sincethebeginningofthe21stcentury,bankingindustryplaysanirreplaceablerole innationaleconomicdevelopmentandfinancialsecurity.Smallandmedium-sized enterprisesareimportantforcestoexpandemployment,improvepeople'slivelihood,and promoteentrepreneurshipandinnovation.Theyplayanimportantroleinstabilizing growth,promotingreform,adjustingstructure,benefitingpeople'slivelihoodand preventingrisks.However,withthechangeofthedomesticandinternationalmarket environment,thesmallandmicroenterprisesareaffectedbythefactorssuchassmall scale,lowstandardofoperationandweaksolvency.Theproblemsfacedbythesmalland microenterprisesareincreasinglyprominent,suchastherisingproductioncost,the difficultyoffinancing,thehighcostoffinancingandthelackofinnovationand developmentability.Therefore,itisparticularlyimportanttoexplorethecreditbusiness developmentstrategyofsmallandmicroenterprisesofChina'scommercialbanks.Itisof greatreferencevaluetohelpsmallandmedium-sizedenterprisestogetoutofthereal dilemmaof"financingisdifficultandexpensive"andtothestabledevelopmentof China'ssocietyandthesafeoperationofthenationaleconomy. Basedontheexistingresearchathomeandabroad,thispapertakesquestionnaire surveyandcaseanalysisasthemainresearchmethodstoexploretheCountermeasuresof smallandmicroenterprisecreditbusinessinbranchZofbankC.Itisfoundthat:(1)The smallandmicroenterprisecreditbusinessofbranchZofBankCisatamediumlevelin HProvince.Althoughitssmallandmicroenterprisecreditbusinesshascertain advantagesinconceptandproductcomparedwithinterbankbanks,therearestillmany problems;(2)AnalyzingtheinternalandexternalenvironmentofZbranchofBankC,we findthatitneedstograspfinancialtechnologywhilegivingfullplaytoitsadvantagesand avoidingdisadvantagesAndtheopportunityofpolicydividend,activelyfacingthe challengesofhorizontalcompetition,productadvantages,professionaltalents,etc.,and focusingoninnovationanddevelopmentinbusinessefficiency,customeracquisition channels,riskcontrolmanagementandotheraspects;(3)Basedontheanalysisofsmall andmicrocreditbusinessenvironmentofZbranchofBankC,theCountermeasuresin 华北水利水电大学硕士学位论文 IV fouraspectsarestudied,Comprehensivelystrengthenthemarketingandpromotionability, innovateanddevelopthediversityofsmallandmicrocreditproducts,continuously optimizethebusinessprocessofsmallandmicrobusinesses,andacceleratethedigital transformationofriskmanagement. KEYWORDS:Smallandmicroenterprisecreditbusiness;Countermeasuresstudy;Case study 目录 I 目录 摘要..............................................................................................................................I ABSTRACT................................................................................................................III 目录............................................................................................................................I 1绪论............................................................................................................................1 1.1研究的背景和意义...........................................................................................1 1.1.1研究背景.......................................................................................................1 1.1.2研究意义.......................................................................................................2 1.2研究内容及方法...............................................................................................3 1.2.1研究内容.......................................................................................................3 1.2.2技术路线.......................................................................................................4 1.2.3研究方法.......................................................................................................4 1.3创新点与不足...................................................................................................5 1.3.1可能的创新点..............................................................................................5 1.3.2不足之处......................................................................................................6 2文献述评及相关理论研究........................................................................................7 2.1文献述评...........................................................................................................7 2.1.1信贷业务内涵相关研究...............................................................................7 2.1.2信贷业务风险相关研究...............................................................................7 2.1.3小微企业信贷业务存在的问题研究...........................................................8 2.1.4小微企业信贷业务发展创新影响因素研究..............................................9 2.2相关理论研究.................................................................................................10 2.2.1金融产品创新理论.....................................................................................10 2.2.2信贷风险理论.............................................................................................11 2.2.3信息不对称理论.........................................................................................12 3C银行Z分行小微企业信贷业务现状及存在的问题...........................................13 3.1C银行Z分行小微企业信贷业务现状.........................................................13 3.1.1小微企业信贷发展规模.............................................................................13 3.1.2小微企业信贷业务架构及流程.................................................................16 3.2C银行Z分行小微企业信贷业务存在的问题.............................................17 3.2.1网点规模有限，营销增长乏力................................................................18 3.2.2业务结构单一，产品优势消失................................................................19 3.2.3业务流程复杂，运营成本较高................................................................19 3.2.4风险管理传统，自动化程度低................................................................20 华北水利水电大学硕士学位论文 II 3.3C银行Z分行小微信贷业务存在问题的原因.............................................20 3.3.1小微企业与商业银行间信息不对称........................................................20 3.3.2商业银行发展小微业务的动力不足........................................................21 3.3.3金融科技在小微业务中应用不够广泛....................................................21 4C银行Z分行小微企业信贷业务微观环境分析...................................................23 4.1