【作者】 杨世杰；

【导师】 张纯洪；

【作者基本信息】 吉林大学 ， 工程硕士（专业学位）， 2016， 硕士

【摘要】 在当前发达国家或是发展中国家,小企业经济承担着经济发展和维护社会稳定的重要作用,自我国实施全面改革开放以来,国内中、小企业累计经济总产值和利税达到全国的六成左右,还为七成以上的城镇人口提供了就业的机会。但近些年来,小企业融资难,成为国民经济进一步发展的“瓶颈”,如何准确、有效地释放银行信贷资金,支持小企业触底复苏,成为摆在银行人面前无法绕过的一道命题。本文首先分析小企业客户授信方案存在的问题,经营方面包括面临融资难、用工荒和高成本的经营难题;授信政策方面包括授信结构单一,小企业顾名思义就是规模小,在员工数量和投入资金上都十分有限,整个社会对其产品和服务也有相对固定的需求,这就决定了小企业会被限定在一些特定的行业中;小企业贷款运营效率较低,从贷款申请的受理到发放贷款到位多达十几个环节,涉及岗位众多且存在一定交叉,在上述结构影响下,贷款的流程就会延长;谨慎性原则与内控体系不完善和部门专门化程度不足。现阶段大力发展小企业信贷业务的外部环境比较宽松,本地市场同业竞争压力将日益显现,同时风险防控效果差强人意,授信方案内容亟需修正。因而邮储银行沈阳市分行开展了小企业客户授信方案改进项目,项目计划从2016年2月起实施,到2016年结束,并在次年1月前完成移交培训,着重对项目计划与控制管理环节进行研究,在项目中应用项目管理的基本原理和方法,从项目管理的基础理论入手,首先是找到目前存在问题,项目成员畅所欲言,刮起思想的风暴,对项目工作进行合理的工作分解,其次设置相应的工作组,包括方案分析组、制度修订组、推广试点组、移交培训组和协调保障组。按进度完成对应工作,再次为保证项目进度进行分阶段的进度自查和管理,最后在项目运行保障上,对计划管理、组织管理和质量管理进行分析,并提出组建平衡矩阵式组织结构,解决了传统组织结构工作职责划分不清造成的扯皮问题,利用全面质量管理(TQM)提升项目完成质量。综上,本文所做研究在理论和实践等方面对邮储银行沈阳市分行小企业客户的授信管理改进项目起到了重要的指导意义。同时,本次项目涉及邮储银行在引战上市和利率市场化大背景下,信贷业务转型升级发展的重要组成部分,也是我作为项目成员规划、参与的最重要项目。更多还原

【Abstract】 In the developed countries or developing countries, small business to the important role of economic development and maintaining social stability, since the implementation of the comprehensive reform and opening-up in China, the domestic medium and small businesses to reach sixty percent of the total economic output value and profit tax, also provide more than seventy percent of the population in cities and towns with the opportunities of employment. But in recent years, the small enterprise financing difficulties, to become the "bottleneck" for the further development of national economy, how to accurately and effectively release the bank credit funds, support small businesses, the bottom of the recovery become unable to bypass the bank is faced with a proposition.This paper analyses the problems of small business customers credit scheme,management aspects including face financing difficulties, the shortage and the high cost of management problems; Credit policy, including credit structure is single,small businesses as the name suggests is small, the number of employees and less funding is very limited, the whole society for its products and services also has a relatively fixed demand, this determines the small businesses will be limited in certain industries; Small-business loans operation efficiency is low, from the loan application accepted to make loans in place as many as a dozen link, many jobs is involved and there is a cross, in under the influence of the structure, the loan process will be extended; The principle of caution and imperfect internal control system and the degree of sector specialization. The present stage to develop the small business credit business of the external environment is loose, the emerging local marketcompetition pressure, risk prevention and control effect, at the same time credit scheme content needs revision. Thus post office bank shenyang branch to carry out the small business customer credit scheme improvement project, the project plan from February 2016 carried out, at the end of 2016, and completed before the next year on January transfer of training, focusing on the study of the project plan and control management link, in the project application basic principle and method of project management, from the basic theory of project management, the first is to find the existing problems, project members speak freely, to blow the ideas of the storm, to a reasonable work breakdown of project work, second set corresponding working group,including the system of scheme analysis group, revision, the promotion of the pilot group, handed over to the training and coordination of security groups. Again according to the schedule to complete the corresponding work, to ensure the progress of the project schedule for phased inspection and management, the guarantee on the running of the project, the project management, organization management and quality management is analyzed, and put forward a balance matrix organization structure,which has solved the traditional organization structure unclear responsibility divided the kop problem, use of total quality management(TQM), improving the quality of project completion. In conclusion, this paper does research in theory and practice of post office bank shenyang branch small business customers’ credit management improvement projects play an important guiding significance. At the same time, this project involving the post office bank listed on the led war and under the background of interest rate liberalization, credit business transformation and upgrading of the development of the important component, is also I as members of the project planning and participate in one of the most important project.更多还原