【作者】 李智；

【导师】 秦建文；

【作者基本信息】 广西大学 ， 工商管理硕士（专业学位）， 2018， 硕士

【摘要】 小微企业是我国社会经济发展的重要推动者,努力解决广大小微企业融资渠道不畅,融资成本高等问题,这对于促进全社会普惠金融的发展具有重要的意义与作用。同时,作为中国“一带一路”倡议的重要参与省份,GX经济发展迈入重要的战略机遇期。随着普惠金融的高速发展与GX区内小微企业的快速成长,2017年,GX区内各大型国有商业银行分支机构均在一级分行层面改革设立普惠金融事业部,并将其提升到总体战略发展层面。G银行GX分行自2011年成立小企业金融业务部以来,小微企业信贷规模和客户数量得到显著提升。2014年,伴随着外部经济环境发生变化,G银行小微企业信贷业务发展乏力,信贷风险逐步暴露并持续至今,如何推动小微企业信贷业务持续稳健发展,这成为了亟需研究解决的重要问题。本文以GX区域内小微企业信贷业务发展情况为立足点,以G银行GX分行小微企业信贷业务为研究对象,在总结G银行GX分行小微企业信贷业务发展现状的基础上,对该行业务部门组织架构、信贷政策、信贷产品、信贷管理等方面进行了阐述,并从资产质量、客户准入、市场开发及风险管控等方面分析了 G银行GX分行小微企业信贷业务发展中存在的主要问题。通过对G银行GX分行小微企业信贷业务内外部发展环境予以分析,从而得出G银行GX分行应从规范行业准入条件、信贷经营布局差异化、大力发展互联网金融产品、借力大数据夯实管理基础和加强信贷队伍建设五个方面进行改革或完善。文章的研究方法与结论,对G银行GX分行操作实践具有一定的参考价值,以期能够推动G银行GX分行小微企业信贷业务持续健康发展。更多还原

【Abstract】 As the small and micro enterprises are the crucial promoters of China’s social and economic development,it is of importance to make great efforts to solve the problems of lacking financing channels and the high financing costs in vast numbers of small and micro enterprises,which may also play an increasingly significant role in promoting the development of the inclusive finance in the whole society.Meanwhile,as one of the provinces participating in the "One Belt,One Road" Initiative,GX has stepped into a momentous period of strategic opportunity.With the rapid development of the inclusive finance and the fast growth of the small and micro enterprises in GX,most of the state-owned commercial banks GX branches had set up business divisions of inclusive finance at their tier-one branch level and elevated it to the overall strategic development of the whole bank in 2017.G Bank GX Branch set up its Finance Department of Small Business in 2011 and witnessed a markedly growing number of customers and expansion of the credit business scale in small and micro enterprises.There is a lack of development in small and micro enterprises credit business and the credit exposure has gradually revealed in G Bank as the eternal economic environment has changed since 2014.Thus,it is under urgent need to solve the problem of how to insistently support the development of the credit business in small and micro enterprises.Based on the development of the credit business of the small and micro enterprises in GX Province,this research takes the credit business of small and micro enterprises in G Bank GX branch as the research object and mainly focuses on the elaboration of the organization of the business department and the policy,products and management of the credit business in this bank;at the same time,this research also analyzes the main problems which exist in the development of the credit business in G Bank GX branch in terms of the asset quality,client access,market development and risk control.By analyzing the internal and external development environment of the credit business of small and micro enterprises in G Bank GX Branch,it is suggested that G Bank GX Branch should regulate its business access system,differentiate the credit operation layout,develop more Internet financial products,use big data analysis tools and strengthen the construction of the credit business teams.The research methods and conclusion of this research may have certain reference value to the practice of the credit business in G Bank GX Branch.更多还原