2 0 2 2 届 硕士学位论文
JS 银行发展科技型小微企业信贷业务
的策略研究
作者姓名 郭子弘
指导教师 杨俊仙 副教授
学科专业 工商管理
研究方向 金融投资
培养单位 经济与管理学院
学习年限 2019 年 9 月至 2022 年 6 月
二〇二二年十二月 山西大学
2022 届硕士学位论文
JS 银行发展科技型小微企业信贷业务
的策略研究
作者姓名 郭子弘
指导教师 杨俊仙 副教授
学科专业 工商管理
研究方向 金融投资
培养单位 经济与管理学院
学习年限 2019 年 9 月至 2022 年 6 月
二〇二二年十二月Thesis for Master’ s degree, Shanxi University, 2022
Research on the Development Strategy of JS Bank;s
Technology-based Small and Micro Enterprise Business
Student Name Zihong Guo
SupervisorAssociate Prof. Junxian Yang
MajorMBA
Specialty Financial investment
DepartmentSchool of Economic and
Management
Research Duration 2019.09-2022.06
December, 2022中 文 摘 要
科技企业是促进科技体制改革、促进创新型国家建设目标实现的重要助推体。
但在科技型小微企业的发展过程中，融资难的问题一直没有得到妥善解决。在现有
的金融体制下，商业银行是解决科技型小微企业融资困境的主体力量。研究商业银
行科技型小微企业信贷业务的发展策略，对于促进银行、科技型小微企业的业务升
级与发展，乃至促进科技体制改革与新兴行业的发展都有重大的战略意义。本文首
先以 JS 银行科技型小微企业信贷业务为研究对象，统计分析了近七年 JS 银行科技
型小微企业的信贷融资额的内部数据，揭示了其科技型小微企业信贷业务的发展现
状。其次通过调查问卷的方式，全面调查JS 银行客户基础情况、融资需求、融资路
径、融资方式，从而归纳总结出 JS 银行科技型小微企业信贷业务存在的问题及原因。
JS 银行科技型小微企业信贷业务存在经营理念过于保守、授信准入门槛过高、产品
推广不足、信贷业务办理流程过于繁琐、信贷风险管理混乱等问题。最后，本文结
合 JS 银行科技型小微企业的客户特点以及业务发展中遇到的问题，提出转变科技型
小微企业信贷业务经营理念、适当降低准入门槛、强化营销推广、简化业务办理流
程、全面实施风险管理方案等发展对策。希望本文的研究能够为 JS 银行科技型小微
企业信贷业务的转型和升级提供参考。
关键词：商业银行；科技型小微企业；信贷业务
IABSTRACT
Scientific and technological enterprises are the important boosters to promote the
reform of scientific and technological system and the realization of the goal of building an
innovative country. However, in the development of technology-based small-micro
enterprises, the problem of financing has not been properly solved. At present, bank
financing is the most important external financing channel for technology-based
small-micro enterprises. It is of great strategic significance to study the development
strategy of credit business of technology-based small-micro enterprises in commercial
banks to promote the business upgrading and development of banks and technology-based
small-micro and even to promote the reform of science and technology system and the
development of emerging industries. Firstly, this paper takes JS bank technology-based
small-micro enterprises credit business as the research object, analyzes the internal data of
credit financing amount of JS bank technology-based small-micro enterprises in the past
seven years, and reveals the development status of its technology-based small-micro
enterprises credit business.Secondly, through the questionnaire, a comprehensive survey of
JS bank customer base, financing needs, financing paths, financing methods, so as to
summarize the JS bank technology-based small-micro enterprises credit business problems.
That is, JS bank technology-based small-micro enterprises credit business has too
conservative business philosophy, credit access threshold is too high, product promotion is
insufficient, credit business processing process is too cumbersome, credit risk
management disorder and other problems. Finally, this paper combined with the customer
characteristics of JS bank technology-based small-micro enterprises and the problems
encountered in business development, put forward the transformation of technology-based
small-micro enterprises credit business management concept, appropriately reduce the
threshold of access, strengthen marketing promotion, simplify the business process, the
full implementation of risk management program and other development countermeasures.
I hope the research of this paper can provide reference for the transformation and upgrade
of JS Bank;s technology-based small-micro enterprises credit business.
Key Words: Commercial Bank; technology-based small-micro enterprises; credit business
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