I
摘要
近年来，互联网经济高速发展，实体经济在不断衰落，随着互联网O2O模式的开
展，实体经济才有所回升，而小微企业作为实体经济的重要载体，已经成为稳定世界经
济的重要力量，同时也是振兴实体经济的重要战略目标。而小微企业在发展过程中所需
大量资金大多来源于银行贷款，与之匹配的金融服务也在迅速展开。但基于小微企业金
融形势变化的多样性，小微企业金融产品也在与时俱进。在我国，自上世纪70年代以
来，随着利率市场化变革、新技术使用等，小微金融服务也随之“井喷”式发展，广泛
涉及运营理念、经营主体、以及经营方式等各方面。这些变革，极大地拓展了小微金融
业务的发展空间。与此同时，互联网金融信贷平台的兴起并为金融监管部门所认可，极
大地改变了传统商业银行的发展模式。针对这一大的发展趋势，商业银行也将小微金融
作为核心拓展领域，小微金融业务的发展对于我国经济的影响愈加重要
本文从小微企业发展到小微金融这一体系进行分析，总结小微企业金融的发展现状，
在充分学习现有理论的基础上，结合实际，即核心围绕MS银行大连分行，从该行小微
金融业务的实际发展现状出发，分析 MS银行大连分行在小微金融业务方面存在的问题，
并针对这些问题寻找小微金融业务的改进策略，提出优化小微金融业务发展的合理建议，
以此来提高MS银行的核心竞争力，促进MS银行大连分行小微金融业务的长足稳健发
展，并给其它金融机构以参考
关键词：小微企业；小微金融；MS银行；改进对策
II
Research on small and micro financial business strategy of MS Bank
Dalian Branch
Abstract
In recent years, the Internet Economy has developed rapidly, and the real economy has
been declining. With the development of the Internet O2O mode, the real economy to rebound,
micro and small enterprises as an important carrier of the real economy, has become an
important force, stability of the world economy is also the important strategy of revitalization
of the real economy target. In the process of development, small and micro businesses need a
lot of capital from bank loans, and the matching financial services are rapidly expanding.
However, based on the diversity of the financial situation of small and micro enterprises, the
financial products of small and micro enterprises are also changing with The Times. In our
country, since the 1970 s, with the marketization of interest rate changes, and using new
technology, the micro financial services with blowout type development, widely involved in
business philosophy, management main body, and the mode of operation and so on various
aspects. These changes greatly expand the development space of small and micro finance
business. At the same time, the rise of the Internet financial credit platform and recognized by
the financial regulatory authorities greatly changed the development mode of traditional
commercial Banks. In view of this trend, commercial Banks also take small and micro finance
as the core development area, and the development of small and micro finance business is
more and more important to China's economy.
In this paper, from micro to small micro enterprise development the financial system is
analyzed, the development of small micro enterprise financial status quo, on the basis of fully
study of existing theory, combined with the actual, namely core around MS bank Dalian
branch, from the reality of the small micro financial business development present situation,
the analysis of MS bank Dalian branch in the micro financial business problems, and to solve
these problems for small micro financial business improvement strategy, put forward
optimized reasonable Suggestions on the development of small micro financial business, in
order to improve the MS bank's core competitiveness, promote MS bank Dalian branch for
the long-term healthy development of the small micro financial business, and give reference
to other financial institutions.
Key Words：Micro business; Micro finance; MS Bank; Improvement strategy
III
目录
摘要 ..... I
Abstract ..... II
1 绪论 ........ 5
1.1 论文研究的背景及意义 . 5
1.1.1 研究背景 .. 5
1.1.2 研究意义 .. 6
1.2 文献综述 . 7
1.2.1 国外文献综述 ...... 7
1.2.2 国内文献综述 ...... 8
1.3 论文的研究框架及方法 . 9
1.3.1 研究框架 .. 9
1.3.2 研究方法 .. 9
2 小微企业金融概况 ...... 11
2.1 小微企业解析 ... 11
2.1.1 小微企业的概念11
2.1.2 小微企业的发展现状 .... 14
2.2 小微金融解析 ... 16
2.2.1 小微金融的概念16
2.2.2 小微金融的发展现状 .... 16
3 MS银行大连分行概况及小微金融业务现状19
3.1 MS银行大连分行概况 . 19
3.1.1 MS银行概况 ...... 19
3.1.2 MS银行大连分行概况 .. 19
3.2 MS银行大连分行小微金融业务现状 . 21
3.2.1 MS银行大连分行小微金融业务发展概况 ...... 21
3.2.2 MS银行大连分行小微金融产品类型 .. 23
3.2.3 MS银行大连分行小微金融产品营销理念 ...... 23
3.2.4 MS银行大连分行小微金融市场同行竞争激烈 .......... 25
4 MS银行大连分行小微金融业务面临的主要问题分析 ........ 27
4.1 业务流程有待优化 ....... 27
4.2 客户筛选体系不够完善 ........... 29
IV
4.3 销售渠道单一及客户潜在价值仍有待发掘 ... 30
4.4 投入产出比不协调 ....... 31
5 促进MS银行大连分行小微金融业务策略及分析 .. 33
5.1 小微企业金融业务流程优化 ... 33
5.2 改进小微企业金融客户筛选体系 ....... 36
5.3多元化销售渠道推进小微企业金融产品销售37
5.4 多举措改善投入产出不协调现象 ....... 38
5.5 提升MS银行大连分行的软实力 ....... 39
结论 .. 41
参 考 文 献 ........ 43
致谢 .. 45
大连理工大学学位论文版权使用授权书 .......... 46。