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在当今互联网金融市场的冲击下，H 银行面临着来自传统商业银行甚至
是新型互联网金融企业的威胁。笔者认为，H 银行想要在风起云涌的互联网
金融市场下做好小微信贷业务，必须在现有小微信贷模式的基础上不断创新
作为 H 银行的一位员工，笔者应用企业管理与商业银行管理知识，结合
自己的工作，对互联网金融下 H 银行的小微信贷模式进行创新研究，其目的
是促进 H 银行的小微信贷业务的健康发展。本文阐述了 H 银行小微信贷业务
的发展历程，以及小微信贷业务存在的问题，通过五力分析模型和 SWOT 分
析法对 H 银行在互联网金融下的小微信贷模式进行分析，并探讨 H 银行在新
兴互联网金融下的小微信贷模式创新，同时给出了相应的建议
全文共六章，每个章节的主要内容如下
第一章为绪论，介绍了本题目的背景和意义、本文的主要研究内容和研
究方法、创新与不足之处
第二章为商业银行传统小微信贷模式与互联网金融概述。本章是相关定
义介绍，主要介绍了商业银行的含义、小微企业融资特点及传统小微信贷模
式面临的挑战，互联网金融对传统商业银行小微信贷模式的影响，以及国内
外研究现状等。互联网金融下 H 银行的小微信贷模式创新探讨第三章是 H 银行与小微信贷业务发展概述。本章先介绍 H 银行的概况，
然后介绍了 H 银行小微信贷业务基本情况，再对小微信贷业务已取得的成绩
和存在的问题进行分析
第四章是在互联网金融下 H 银行的小微信贷业务策略与模式创新分析
本章运用波特的五力分析法和互联网金融下 H 银行的 SWOT 分析法，给出 H 银
行小微信贷业务差异化发展竞争策略，根据互联网金融下我国商业银行的小
微信贷模式创新，结合 H 银行自身特点，分析出在互联网金融下，H 银行应建
立体现差异化的小微信贷模式创新的结论
第五章是互联网金融下 H 银行的小微信贷模式创新实施建议。本章是笔
者实施在互联网金融下 H 银行选择小微信贷业务差异化发展策略，建立互联
网金融下 H 银行差异化的小微信贷模式创新的改进方案建议
第六章是结论和展望。对前文进行概括性总结，阐述本研究的主要结论
以及对未来的展望
本文应用企业管理与商业银行管理知识，在互联网金融这一背景下，运
用五力分析法和 SWOT 分析法分析了 H 银行现有的小微信贷业务模式，提出 H
银行小微信贷模式的改进建议，以促进 H 银行小微信贷业务健康发展，从而
提升 H 银行小微信贷业务的市场竞争力
关键词：商业银行 互联网金融 小微信贷模式 五力分析 创新AbstractAbstract
Commercial bank refers to the corporate legal person which establishes in
accord with the Company Law of the People&39;s Republic of China. The corporate
legal person may provide financial services such as settling funds, collecting funds
for public deposits and giving out the loan funds. H Bank Co., Ltd. (H Bank) is
one of 12 national joint-stock commercial banks, formerly known as a housing
savings bank which was established in 1987. After the People&39;s Bank of China
approved in 2003, it formally transformed into H Bank Co., Ltd., a national
joint-stock commercial banks. At present, H Bank has 14 first-level branches in the
country, two head office with direct management, 288 branches at total; it also
launched the establishment of five villages and towns banks. H Bank will take
three rural, small micro-financial businesses as their own development to achieve
the opportunity to overtake the corner, and regard it as an important part of
implementing social responsibility.
However, under the impact of present Internet financial markets, H bank is
facing threats from traditional commercial banks and even new Internet financial
firms. H Bank wants to increase its market share in the small micro-credit business
in the turbulent Internet financial market, and it must innovate on the basis of the
existing micro-credit model.
As an employee of H Bank, the author applies the knowledge of enterprise
management and commercial bank management, combines his own work into
study the innovation of the small micro-credit model of Internet banking under the
Internet, which aims to promote the small micro-credit business of H bank healthy
growth. This paper states the developmental course of the small micro credit
business of the bank and the problems of the micro-credit business, and analyzes
the small micro-credit model of the H bank under the Internet financial system
through the five-force analysis model and the SWOT analysis method, and
explores the banks innovative small credit new model and give recommendationsResearch on the Innovation of Micro and Small Credit Model of H Bank under Internet Financeunder emerging Internet finance.
This paper includes six chapters, the main contents of each chapter are as
follows:
The first chapter is the introduction, which introduces the background and
significance of this topic, the main research content and research ways, the
innovation and deficiency.
The second chapter is an overview of the traditional small micro-credit model
and Internet Finance. This chapter is the introduction of the definition, which
mainly introduces the meaning of commercial banks, the features of small
micro-enterprise financing, the challenges of traditional micro-credit model, and
the impact of Internet finance on the micro-credit model of traditional commercial
banks, and the status quo of research at home and abroad.
Chapter 3 is an overview of the development of H banking and micro-finance
business. This chapter firstly introduces the general situation of H bank, and then
introduces the basic situation of small bank micro-credit business, and then
analyzes the achievements and existing problems of small micro-credit business.
The fourth chapter is developmental strategy in the Internet financial under
the H bank&39;s small micro-credit business. This chapter uses the five forces analysis
of Potter and the SWOT analysis under the Internet finance. At the same time, the
author gives different competitive strategy of the small micro credit business of H
bank. According to the micro-credit innovation model of China’s commercial
banks under Internet Finance, combined with the characteristics of H Bank, this
paper suggests that under the background of Internet finance, H Bank should
establish a new model of micro-credit which embodies the difference.
The fifth chapter is the model recommendations of Internet Finance under the
H Bank&39;s small micro-credit. This chapter tells the author implements the Internet
under the financial; H Bank selected small micro-credit business differentiation
development strategy, established differentiated micro-credit new model
improvement program recommendations.
The sixth chapter is conclusion and prospect. It summarizes the precious text
and expounds the main conclusions and the prospect for the future in the present
paper.
Based on the management knowledge of commercial banks, this paperAbstractanalyzes the five forces under the Internet finance and the SWOT analysis under
the Internet finance. This paper puts forward the suggestion of improving the small
micro credit model of H bank to promote the healthy development of the small
micro credit business of H bank, so as to improve the market competitiveness of
the small micro credit business of H bank.
Keywords: Commercial Bank; Internet Finance; Micro-Credit Model; Five-Force
Analysis; Innovation目 录目 录
1 绪论 ... 1
1.1 研究的目的及意义........ 1
1.2 研究内容和方法2
1.2.1 研究内容 ..... 2
1.2.2 研究方法 ..... 3
1.3 本文创新与不足3
2 理论基础及文献综述.......... 5
2.1 商业银行与传统的小微信贷业务 ....... 5
2.1.1 商业银行的定义....
