【作者】 孙鹏；

【导师】 石绍宾；

【作者基本信息】 山东大学 ， 工商管理（MBA）（专业学位）， 2025， 硕士

【摘要】 小微企业作为我国经济的重要组成部分,数量多且分布广,是实现经济高质量发展的重要动力源。普惠金融为小微企业提供融资支持,助力其扩大规模、提高效率,促进经济持续增长,同时推动市场多元化发展。目前,我国的小微企业具有很大发展潜力,需要政府、金融机构、创新科技等主体,从政策、资金、市场、人才、科技多方面为小微企业提供更好的服务,以实现经济社会可持续发展。为顺应市场需求,抓住发展机遇,我国众多企业积极布局小微普惠业务。A融资租赁公司作为一家具有股东行业背景的融资租赁公司,虽然有着股东行业背景的优势,具有一定的客户资源和能力资源,但在小微普惠业务开展方面,从客户拓展到业务产品竞争力等多方面均存在较大压力,制定合适的竞争战略指导其发展的紧迫性日益凸显。本文针对A融资租赁公司小微普惠业务的竞争战略的研究,不仅可以为A融资租赁公司小微普惠业务的发展起到指导作用,还能够对其他同业金融机构的普惠金融发展提供实践经验指导。本文以山东省A融资租赁公司作为研究对象,研究小微普惠业务的竞争战略。基于竞争战略及普惠金融相关理论,采用文献调研、访谈和问卷的方法,运用PEST分析模型分析A公司所处的宏观环境,运用波特五力模型分析A公司所处的行业环境。研究表明当前的政治、经济、社会及技术环境对小微普惠业务发展均有积极的促进作用,同时市场中的行业竞争、互联网金融的发展以及信贷风险隐患等方面对A公司小微普惠业务的发展造成一定的威胁。通过具体分析A融资租赁公司及其小微普惠业务情况,包括资源优势、股东产业背景、客户基础、渠道网络、品牌价值等核心领域,综合评估了A公司开展小微普惠业务的优势和劣势,采用IFE矩阵对内部关键因素进行权重分配,表明A公司在小微普惠业务领域拥有较多优势和较少劣势,具备了明显的竞争优势。结合A公司的战略原则和目标,本文采用SWOT矩阵对A公司小微普惠业务所面临的机会与威胁、优势与劣势进行综合分析,通过QSPM矩阵分析成本领先、差异化以及集中战略三种战略,得出结论差异化战略是A公司的最佳选择。在此基础上,通过定位目标客群、制定差异化模式和差异化服务进行差异化竞争战略的实施。为保障A公司小微普惠业务竞争战略的有效实施,本文从组织、制度、财务和风控等四个方面提出相关措施,全面保障A公司小微普惠业务的发展。更多还原

【Abstract】 In recent years,the international situation has been in a state of rapid flux,while the domestic economic growth rate has decelerated.As a crucial component of China’s economy,small and micro enterprises are numerous and widely dispersed,capable of driving economic growth.Inclusive finance provides financing support for small and micro enterprises,facilitating their expansion in scale and improvement in efficiency,thereby promoting sustainable economic growth and simultaneously driving the diversified development of the market.At present,China’s small and micro enterprises all possess significant development potential.Entities such as the government,financial institutions,and new technologies need to offer better services to small and micro enterprises in aspects including policies,funds,markets,talents,and technologies to achieve sustainable economic and social development.As a financial leasing company with a shareholder industry background,A Company,although it enjoys the advantage of having a shareholder industry background and certain customer resources and capability resources,in the development of micro and inclusive business,it faces considerable pressure in multiple aspects ranging from customer expansion to the competitiveness of business products.The urgency of formulating an appropriate competitive strategy to guide its development is increasingly prominent.This paper takes A Company,a financial leasing company in Shandong Province,as the research object to study the competitive strategy of micro and inclusive business.Based on relevant theories of competitive strategy and inclusive finance,and by employing methods such as literature research,interviews,and questionnaires,the PEST analysis model is used to analyze the macro environment of Company A,and the Porter’s five forces model is utilized to analyze the industry environment of Company A.The research indicates that the current political,economic,social,and technological environments all play a positive role in promoting the development of micro and inclusive business.At the same time,industry competition in the market,the development of Internet finance,and potential credit risks pose certain threats to the development of Company A’s micro and inclusive business.Through a detailed analysis of Company A’s financial leasing company and its micro and inclusive business situation,including core areas such as resource advantages,shareholder industry background,customer base,channel network,and brand value,a comprehensive evaluation of the advantages and disadvantages of Company A in undertaking micro and inclusive business is conducted.The IFE matrix is employed to allocate weights to internal key factors,demonstrating that Company A has more advantages and fewer disadvantages in the field of micro and inclusive business and possesses obvious competitive advantages.Combined with Company A’s strategic principles and goals,the SWOT matrix is utilized to comprehensively analyze the opportunities and threats,as well as the advantages and disadvantages faced by Company A’s micro and inclusive business.Through the QSPM matrix analysis of cost leadership,differentiation,and concentration strategies,it is concluded that the differentiation strategy is the optimal choice for Company A.On this basis,the implementation of differentiated competition strategy is carried out by positioning target customer groups,formulating differentiated models,and providing differentiated services.In order to ensure the effective implementation of Company A’s micro and inclusive business competitive strategy,a series of safeguard measures are proposed to comprehensively guarantee the development of Company A’s micro and inclusive business from four aspects:organizational guarantee,institutional guarantee,financial guarantee,and risk control guarantee.The research on the competitive strategy of Company A’s micro and inclusive business in this paper aims to play a guiding role in the development of Company A’s micro and inclusive business and can provide practical experience for the development of inclusive finance of other peer financial institutions,effectively promoting the vigorous development of small and micro enterprises in China.更多还原