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MBA论文_工商银行七台河分行中小企业贷款业务发展策略研究DOC

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更新时间:2018/5/31(发布于黑龙江)

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文本描述
摘要
随着政府鼓励大众创业,企业贷款业务正在逐渐增多,尤其在地市级城
市,贷款业务的主体正在由大中型企业向中小型企业过渡。作为贷款业务的
资金提供方,如何有效快速并含有一定保障措施的进行企业贷款业务,已经
成为重点关注的对象

本研究的着眼点为资源型城市的企业贷款业务,由原来的大型国有企业
逐渐转变为中小型企业,运用 SWOT 分析法,对现有企业贷款业务的外部环
境的机遇与挑战、内部优势与劣势进行了基本分析,指出现有中小型企业具
有的规模小、资金需求小、企业信用低和融资渠道单一等特点,同时银行内
部虽然现今在中小企业贷款上属于领先地位,但由于黑龙江产业结构单一,
人才流失十分严重,对未来继续扩大中小企业贷款业务的可能性产生了一定
影响。在此基础上,针对银行出现的内部人员建设不足,内部机制不完善,
以及外部环境问题进行了简要剖析。提出了对于银行企业贷款业务的总体思
路,并相应的提出了几点创新策略。在本研究的最后,对于七台河市工商银
行企业贷款业务的保障措施上,分别从内部机制、人力资源、创新发展和内
外部合作四个方面提出了建议

本研究对七台河市工商银行中小企业贷款业务中存在的问题进行了剖
析,并在此基础上给出解决策略。同时,七台河市处在资源型城市正在转型
的阶段中,在工商银行对中小企业的贷款方面,这对于国内其他相类似的城
市以及银行具有一定的借鉴意义

关键词:工商银行;中小企业;企业贷款哈尔滨工业大学工商管理硕士学位论文
- II -
Abstract
As the encourage of starting businesses develops, enterprise loan business
begins to increase. In prefecture-level city, the subjects of loan business transit
from large and medium enterprises to medium and small enterprises. Therefore,
as the fund providers, banks, especially how banks conduct enterprise loan
business effectively and guaranteed are of great importance.
This research focuses on enterprise loan business in resource-dependent
cities, which convert from large corporations to medium and small corporations.
This study uses SWOT analysis method to conduct basic analysis about external
opportunity and challenge and internal advantage and disadvantage for current
enterprise loan business, and points out that current medium and small
corporations have some characteristics such as small size, low demand for capital,
low credit and single financing channel. Although bank has determinant status in
medium and small corporate loan business, the singleness of industrial structure
and turnover of staff in Heilongjiang prevents the future development of medium
and small loan business. Based on the above reasons, this study briefly analyzes
the existing problems aiming at insufficient construction of internal staff,
imperfect internal mechanisms and external environmental problem. By doing
this, this study proposes general though considering to bank enterprise loan
business and some related innovative strategies. In the end, to the safeguard
measure, this paper suggests four solutions from the perspectives of internal
mechanisms, manpower recourses, innovative development and internal and
external cooperation.
This study analyzes the problems existing in the medium and small
enterprise loan business in Industrial and Commercial Bank of China in Qitaihe
City, and based on the analysis, provides solving strategies. As a
resource-dependent city, Qitaihe City is also in the phrase of transformation,
therefore, the research of medium and small enterprise loan business in this
ICBC in Qitaihe has practical meaning to similar cities in China.
Key words: Industrial and Commercial Bank of China, Small and Medium
Enterprises, enterprise loan business哈尔滨工业大学工商管理硕士学位论文
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目录
摘要.....I
Abstract .II
第1章绪论......1
1.1研究背景及问题提出.......1
1.1.1研究背景.......1
1.1.2问题提出.......2
1.2研究目的及意义..3
1.3国内外企业贷款业务研究现状...3
1.3.1国外企业贷款业务研究现状3
1.3.2国内企业贷款业务研究现状5
1.3.3国内外企业贷款业务研究综述........8
1.4研究内容及论文结构.......9
1.4.1研究内容.......9
1.4.2研究思路.....10
第2章七台河市工商银行中小企业贷款业务现状及问题分析........12
2.1七台河市工行中小企业贷款业务基本情况......12
2.2七台河市工行中小企业贷款业务环境分析......14
2.2.1机遇环境分析.........14
2.2.2挑战环境分析.........15
2.2.3内部优势分析.........17
2.2.4内部劣势分析.........18
2.3七台河市工行中小企业贷款业务发展中的主要问题...19
2.3.1银行内部人员素质问题......19
2.3.2银行内部机制不完善..........20
2.3.3银行外部环境问题..22
2.4本章小结24
第3章工行七台河分行中小企业贷款业务的发展策略思考...........25
3.1七台河市工行中小企业贷款业务的总体发展策略.......25
3.1.1工商银行中小企业贷款发展战略定位.......25
3.1.2七台河市工商银行企业贷款业务定位和目标.......27哈尔滨工业大学工商管理硕士学位论文
- IV -
3.2七台河市工行中小企业贷款业务的业务人员调整思考...........28
3.2.1银行要转变传统贷款观念..28
3.2.2银行要提高审批效率..........28
3.2.3银行要提高服务能力及态度..........30
3.3银行内部机制优化.........31
3.3.1信用机制的优化......31
3.3.2审批机制的优化......31
3.3.3风险监控机制优化..32
3.4银行的中小企业贷款业务专业队伍优化..........33
3.4.1加大人才引进.........33
3.4.2提高员工忠诚度......33
3.4.3全面细化培训.........33
3.4.4增加实践机会.........34
3.5企业贷款过程中创新策略的分析..........35
3.5.1推广中小企业贷款业务......35
3.5.2加强固定企业的合作..........35
3.5.3配合政府招商引资给予企业贷款支持.......36
3.6本章小结.
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