【作者】 周斌；

【导师】 张玉新； 朱兵；

【作者基本信息】 吉林大学 ， 工业工程（专业学位）， 2015， 硕士

【摘要】 随着经济全球化进程不断推进，我国微小企业正在迅速发展，由于微小企业解决了主要的就业问题，因此研究微小企业的发展问题更具有现实意义，目前来说，我国大部分微小企业被融资问题困扰，从内部来说，微小企业的发展还处于起步阶段，财务体系部完善；从外部来说，微小企业风险较大、成本高，不能够提供符合条件的担保，因此，微小企业很难从大型股份制银行获得金融支持。在2005年中国银监会针对微小企业，提出了服务方面的“六项机制”，要求我国中小商业银行更新战略措施，依照实际情况，关注微型贷款业务的发展。国家对相关法律法规也做出部分调整，放宽法律环境，加大对微小企业的扶持力度，使他们的贷款有更多平台。自此，我国开始对小额信贷，也可称为微型金融信贷项目进行试点。这几年，试点工作经历了大力推广和发展，推动微贷走向大规模发展的道路。常熟农商银行于2006年8月开始，引入德国IPC信贷技术，推出小微信贷业务，为微小企业服务，其引进的信贷技术很好的解决了微小企业和银行之间信息不对称的问题，在解决微小企业融资困难问题的同时，促进常熟农商银行的可持续发展，经过多年的发展，对于微小信贷领域具有一定的经验以及相对成熟的技术。本文采用文献综述法，简单分析了微贷试行成果，用案例研究法介绍了常熟农商银行微贷的操作流程及管理技术的核心要素，并对微贷管理技术的改进提供了相应建议。更多还原

【Abstract】 With the continuous advance of economic globalization, China’s smallenterprises are developing rapidly, due to the small enterprises to solve theemployment problem of the main problem of the development of micro enterprises,therefore the research has more practical significance, at present, the main problemsfacing China’s small enterprises financing difficulty is, internally, due to the smallbusiness development is not mature, no relatively perfect financial system; from theexternal environment, micro enterprise risk is bigger, the cost is high, it can notprovide eligible collateral, therefore, small enterprise is very difficult from thelarge-scale joint-stock banks to obtain financial support.In2005, the China Banking Regulatory Commission issued a small enterpriseservice "six mechanisms", encouraging small and medium-sized commercial banksin China to change the development strategy, according to the actual situation of thepositive development of micro loan business lines, at the same time, the state alsomake corresponding adjustments in the laws and regulations, to the phase of loosepolicy and legal environment, and provide more a rich platform for small businessloans, to increase support for small enterprises. Since then, our country began tomicro credit, also known as micro credit pilot project finance. These a few years,pilot work experience with popularization and development, promote micro credit tolarge-scale development road. Changshu rural commercial bank from the beginningof2006August, the introduction of Germany IPC credit technology, introduced themicro enterprise credit business, services mainly for small enterprises, theintroduction of credit technology is a good solution to the information asymmetry between the small enterprise and the problems of the banks, in solving the smallenterprise financing difficult problem at the same time, to promote the sustainabledevelopment of Changshu rural commercial bank and, after years of development,has certain experience and relatively mature technology for micro credit sector. Inthis paper, using the method of literature, a simple analysis of the micro credit pilotresults, use the method of case study describes the core elements of operation flowand management technology of Changshu Agricultural Bank of micro loan, providescorresponding suggestions and improvement of micro credit managementtechnology.更多还原