【作者】 张帆；

【导师】 王正耀；

【作者基本信息】 郑州大学 ， 工商管理硕士（专业学位）， 2021， 硕士

【摘要】 小微企业占我国企业数量的98%,已经成为我国经济发展的推动力量,其发展迅速、潜力大、成长快的优势也十分明显。近年来,我国经济发展也正处在稳步上升时期,经济的蓬勃发展为国内小微企业的发展注入了新动能。于是,国家出台的各项政策也不断向小微企业倾斜,更加加大对小微企业的扶持力度,多项新规快速助力小微企业的发展。在此新形势下,银行也增强了对小微企业信贷的支持力度。在2020年初,新冠肺炎疫情突如其来,给小微企业的发展带来了巨大的不确定性,很多小微企业面临关门、停产的状况。商业银行的小微企业不良贷款率连年增高,小微企业授信业务发展存在各种问题。本文主要选取A银行郑州分行小微企业授信业务发展中存在的问题为研究对象,结合实际授信业务工作和新冠肺炎疫情新形势下的经济环境,总结经验,分析A银行郑州分行小微授信业务目前面临的发展问题,通过解析A银行郑州分行小微授信业务的发展环境提供一定的解决思路和具有一定可实施性的对策措施,以提高其小微授信业务的抗风险能力,为A银行郑州分行小微授信业务的平衡发展做出一定的贡献。本篇论文一共有三个大的论述点,第一点是通过分析了解国内外小微授信业务研究现状,并查阅有关小微企业授信业务所面临的发展问题的成因和解决策略相关文献,夯实了本文的理论研究基础。第二点是为A银行郑州分行小微企业授信业务存在的问题做现状分析,主要集中在银行内部人员和研发产品的调查、并以银行所处外部大环境为切入点,着力剖析存在的问题以及成因。第三点,围绕人力资源、团队建设,产品的地区适配性,风险管控体系等几个方面,制定出合理的问题解决策略。整篇文章以“发现问题,分析问题,解决问题”的思路为指导,用数据统计,比较分析等方法,并查阅大量相关文献资料,旨在为A银行郑州分行规避小微企业授信业务发展过程中的问题提供参考。更多还原

【Abstract】 Small and micro enterprises account for 98% of the number of enterprises in my country.They have the characteristics of rapid development,great potential,and strong growth.They are the important foundation and backbone of my country’s social and economic development.In recent years,my country’s economic development has also been in a period of steadily rising,which has injected new momentum into the development of domestic small and micro enterprises.As a result,national policies have also continued to tilt towards small and micro enterprises,increasing support for small and micro enterprises,and a number of new regulations quickly focus on the development of small and micro enterprises.Under the new situation,commercial banks have also increased their support for credit to small and micro enterprises.At the beginning of 2020,the sudden emergence of the new crown pneumonia epidemic has brought huge uncertainty to the development of small and micro enterprises,and many small and micro enterprises are facing the situation of closure and suspension of production.The non-performing loan rate of small and micro enterprises of commercial banks remains high,and there are many problems in the credit business.This article mainly focuses on the problems in the development of small and micro-enterprise credit business of Bank A’s Zhengzhou branch as the research object,combines actual work research and the economic environment under the new situation of the new crown pneumonia epidemic,summarizes experience,and analyzes the current situation of the small and micro credit business of Bank A Zhengzhou branch In order to improve the anti-risk ability of its small and micro credit business,it will provide certain solutions and implementable countermeasures in combination with the development environment of the small and micro credit business of Bank A’s Zhengzhou branch.We have made a certain contribution to the balanced development of the micro-credit business.The article first elaborates the research background,significance and current research status of the thesis at home and abroad,and summarizes the research content and research methods of this article.Secondly,it elaborates the concepts and theories related to small and micro enterprises.The standard and main characteristics of small and micro enterprises are introduced and the characteristics of credit granting to small and micro enterprises are analyzed.It has laid a solid theoretical foundation for the full text of the research and discussion.Taking the example of Bank A’s Zhengzhou branch again,it briefly and clearly explained the small and micro-credit products and credit management process of Bank A’s Zhengzhou branch in the form of flowcharts and data charts to lay a solid foundation for subsequent writing.Then it mainly discusses the problems and the root causes in the development of the credit business of Zhengzhou Branch of Bank A,and recognizes the shortcomings in order to better propose improvements and optimization measures.Finally,the writing and research of the full text are focused on combining the characteristics of small and micro enterprises in Zhengzhou area,and based on the problems in the development of the credit business of small and micro enterprises in Zhengzhou Branch of Bank A,the corresponding optimization countermeasures are proposed.In the subsequent summary and outlook,the research conclusions of this article are pointed out,as well as the problems that need to be further resolved in the research,and the value,significance and role of the research are explained.The article fully sorts out and analyzes the problems in the development of small and micro enterprise credit business of Bank A’s Zhengzhou branch,and proposes improvement strategies for future development,hoping to provide assistance for Bank A Zhengzhou branch to avoid problems in the development of small and micro enterprise credit business reference.更多还原