摘要
“小微贷业务”主要是指商业银行面向个体工商户、小微企业及业主等特定人群发
放的短周期、小额信贷业务。“小微贷”是当前发展普惠金融的热点产品，现已成为农
村商业银行发展普惠金融，服务“三农”，改善民生的新型业务模式，为农村商业银行
的可持续发展探索出一条行之有效的路径。小微贷业务的大力发展虽然促进了小微企业
的发展，活跃了小微经济，但是在实际运营过程中小微贷业务存在客户对象信用条件差、
素质不高、国家支持力度小、市场环境复杂、管理模式搭建不清晰等问题。因此，分析
农村商业银行发展小微贷业务的必要性和可行性，以及小微贷业务运营过程中所面临的
问题，对小微贷业务的健康发展以及更好的服务大众具有重要的实践意义，同时为农村
商业银行的可持续发展提供了有效途径

本文首先介绍了枣庄农村商业银行的发展历程和经营现状，就目前枣庄农商银行出
现的经营困境进行了深入剖析，提出适应枣庄农村商业银行业务发展的新模式，即小微
贷业务管理模式。然后，介绍小微贷业务的特点和优势，及其在国内外发展的现状，并
对枣庄农商银行发展小微贷业务的必要性和可行性进行了探讨。并从六个方面，即小微
贷业务的需求、小微贷业务的产品、小微贷业务的定价、小微贷业务的营销、小微贷业
务的流程及小微贷业务的人力资源构建等来阐述小微贷业务管理模式的构建。然后对小
微贷业务的风险管理和财务管理两方面进行了重点剖析。最后以枣庄地区某副食品牌代
理商为例介绍了目前枣庄农村商业银行小微贷业务管理模式运行的状况

关键词：农村商业银行 小微贷 小微企业 管理模式华北电力大学硕士学位论文
II
Abstract
Small and micro credit business mainly refers to a short cycle, small credit business
provided by the commercial banks for individual industrial and commercial households, small
micro enterprises and owners and other specific groups. Small micro loan has become a hot
product of Inclusive Finance. And it will be a effective way to improve people&39;s livelihood
and solve three dimensional rural issues . Although rural commercial banks develop it to
promote the development of small micro enterprises and active the small micro economy, in
the actual operation, there are still many problems, such as poor credit conditions , low
quality , small state support, complex market environment. Therefore, through the study of
small micro loan business in rural commercial banks, it has great significance to promote
small micro loan business healthy development and better public service , as well as providing
the reference for the rural commercial bank in other parts of our country .
In this paper, firstly we introduce the development and management situation of Zao
Zhuang Rural Commercial Bank to analyze of the development difficulty of rural commercial
banks and put forward small micro credit model. Secondly, we introduce the features and
advantages of small micro business loans followed by the current situation of domestic and
international development, and the feasibility of small micro business loans to Zao zhuang
rural commercial bank. It describes the construction of small micro loan business
management model which is constructed by six aspects including small micro loan business
needs, products, pricing, marketing, service and human resources construction. small micro
credit business management is analyzed from business risk management and financial
management. Finally, analysis the small and micro loan business management model through
the case.
Keywords: Rural Commercial Bank，Small and Micro Loans，Small and Micro Enterprises，
Management Mode华北电力大学硕士学位论文
III
目 录
摘要... I
Abstract.II
第 1 章 绪 论.....1
1.1 选题背景及其意义.......1
1.2 国内外研究现状及发展动态分析.......1
1.2.1 国外研究现状.....1
1.2.2 国内研究现状.....3
1.3 研究的主要内容...........5
第 2 章 枣庄农村商业银行发展现状及困境...7
2.1 枣庄农村商业银行发展历程...7
2.2 枣庄农村商业银行经营现状...7
2.3 枣庄农村商业银行面临的困境.........10
2.3.1 内部困境...........10
2.3.2 外部困境...........12
2.4 本章小结.........13
第 3 章 枣庄农村商业银行业务管理模式的选择.....14
3.1 农村商业银行业务管理模式概况.....14
3.2 小微贷业务管理模式的概况.15
3.2.1 小微贷业务的定义.......15
3.2.2 小微贷业务的服务对象...........15
3.2.3 小微贷业务的特点.......15
3.2.4 小微贷业务的发展现状...........16
3.3 选择小微贷业务管理模式的必要性.17
3.3.1 小微贷业务能够解决内部困境...........17
3.3.2 小微贷业务能够解决外部困境...........18
3.4 选择小微贷业务管理模式的可行性.19
3.4.1 小微贷业务适应农商银行的市场定位...........19
3.4.2 小微贷业务符合国家的政策导向.......20
3.4.3 广泛的营业机构为小微贷业务发展奠定基础...........20
3.4.4 灵活高效的治理结构有利于小微贷业务拓展...........21
3.5 本章小结.........21
第 4 章 枣庄农村商业银行小微贷业务管理模式的构建.....22
4.1 小微贷业务的需求分析....
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