【作者】 刘浩；

【导师】 葛宝山；

【作者基本信息】 吉林大学 ， 工商管理（专业学位）， 2022， 硕士

【摘要】 农村商业银行属于农村合作金融机构,是农村信用社和农村合作银行金融改革的产物,是我国县域地区重要的法人银行机构。近几年,全国农村商业银行成为了支持三农和小微企业的金融排头兵。小微信贷业务一般是指商业银行向小微企业、个体工商户和三农客群发放的经营性贷款。2019年1月14日,中国银行保险监督管理委员会发布文件,强调农村商业银行的市场定位,进一步明确了农村商业银行的服务群体,指出了农村商业银行的发展方向和发展路径,充分发挥农村商业银行在支持小微企业和“三农”中的重要作用。本文以具备先入优势的上市农商银行Z作为研究对象,研究Z农商银行在利率市场化、大行下沉、新兴互联网业务的发展背景下,其小微信贷业务的发展战略。本文首先阐述了农村商业银行和小微信贷业务的概念、发展现状、主要特点和发展趋势,并对小微信贷业务的技术发展演变模式做出了分析。其次,分析了Z农商银行小微信贷业务发展状况和主要存在的问题,并通过PEST分析法、SWOT分析法、关键因素分析法分析了Z农商银行小微信贷业务所面临内外部环境、所具备的优势和劣势,以及发展所面临的机遇和挑战。第三,分析了Z农商银行在当前利率市场化、大行下沉、新兴互联网业务冲击的背景下,应当充分发挥自身领先优势,充分利用内外部各种机遇,最大限度地弥补自身劣势,努力规避外部威胁,从而实现Z农商行小微信贷业务高质量发展。最后,本文详细阐述了Z农商银行小微信贷业务发展战略的实施保障,具体战略选择包括产品开发战略、市场渗透战略和人才发展战略三个方面,并从人力资源、绩效考核和科技渠道三方面给予保障措施。作为上市农商银行,Z农商银行发展小微信贷业务,应夯实技术基础、培养专业团队、打造核心产品体系、提升全面风控能力、加快信息化发展,切实提升Z农商银行小微信贷业务高质量发展。更多还原

【Abstract】 Rural commercial banks belong to rural cooperative financial institutions.They are the product of the financial reform of rural credit cooperatives and rural cooperative banks.They are important legal person banking institutions in county areas of China.In recent years,China’s rural commercial banks have become the financial leaders supporting agriculture,rural areas and farmers and small and micro enterprises.Small and micro credit business generally refers to the business loans issued by commercial banks to small and micro enterprises,individual industrial and commercial households and customers of agriculture,rural areas and farmers.On January 14,2019,China Banking and Insurance Regulatory Commission issued a document emphasizing the market positioning of rural commercial banks,further clarifying the service groups of rural commercial banks,pointing out the development direction and path of rural commercial banks,and giving full play to the important role of rural commercial banks in supporting "agriculture,rural areas and farmers" and small and micro enterprises.This paper takes Z,a listed rural commercial bank with first mover advantage,as the research object to study the development strategy of Z rural commercial bank’s small and micro credit business under the background of interest rate marketization,large bank sinking and emerging Internet business.Firstly,this paper expounds the concept,development status,main characteristics and development trend of rural commercial banks and small and micro credit business,and analyzes the technical development and evolution mode of small and micro credit business.Secondly,it analyzes the development status and main existing problems of Z rural commercial bank’s small and micro credit business,and analyzes the internal and external environment,advantages and disadvantages,opportunities and challenges faced by Z rural commercial bank’s small and micro credit business through PEST analysis,SWOT analysis and key factor analysis.Thirdly,it analyzes that under the background of the current interest rate marketization,the sinking of large banks and the impact of emerging Internet business,Z rural commercial bank should give full play to its leading advantages,make full use of various internal and external opportunities,make up for its disadvantages to the greatest extent,and strive to avoid external threats,so as to realize the high-quality development of Z rural commercial bank’s small and micro credit business.Finally,this paper expounds in detail the implementation guarantee of Z rural commercial bank’s small and micro credit business development strategy,including business optimization and upgrading,key regional development and talent echelon construction,and gives guarantee measures from three aspects: Product development strategy,market penetration strategy and talent development strategy.As a listed rural commercial bank,to develop small and micro credit business,Z rural commercial bank should consolidate the technical foundation,cultivate professional team,build core product system,improve comprehensive risk control ability,accelerate information development,and effectively improve the high-quality development of small and micro credit business of Z rural commercial bank.更多还原