当前我国的经济正处于由高速增长向高质量增长转变的阶段。中小企业作为市场经 济主体中最为活跃和最为富有活力的组成部分，在促进经济增长、促进技术创新、增加 工作岗位、改善民生等方面起到不可或缺的作用。近年来，随着国内供给侧改革不断推 进，国务院相继出台了多项政策措施，旨在进一步推动优化营商环境政策的落实，特别 强调金融机构必须要加大对民营企业的服务力度。作为中小企业融资的主要资金提供 方，银行首当其冲地成为中小企业信贷业务的主力军。目前各家商业银行已纷纷调整经 营方向，出台各自针对中小企业融资的信贷产品，中小企业信贷业务的市场竞争激励程 度与日俱增。 本文以A银行CD分行中小企业信贷业务作为研究的对象。基于国内外相关研究文 献系统梳理；首先，概述中小企业信贷业务的涵义、特点以及划分标准等；其次，通过 全面、深入地阐述A银行CD分行中小企业信贷业务流程、产品结构、行业集中度、区 域发展状况、营销队伍建设、从业人员素质等六个方面存在的问题；再次，通过PEST 方法分析该行中小企业信贷业务的内外部经营环境和发展情况；最后，提出运用大数据 实现高效投放、发挥网点资源优势延伸服务触角、利用合作平台拓宽获客渠道、加强队 伍建设、完善业务考核机制、优化制度及业务流程、强化风险防控措施等有助于该行解 决当前问题的新思路以及具有操作性的具体解决措施，以供A银行CD分行在今后发展 中小企业信贷业务时进行参考借鉴。 关键词：A银行CD分行；中小企业；信贷业务 II RESEARCHONTHEDEVELOPMENTOFSMECREDITBUSINESS INCDBRANCHOFBANKA ABSTRACT Atpresent,China'seconomyisinthestageoftransformingfromhigh-speedgrowthto high-qualitygrowth.Asthemostactiveanddynamicpartofthemarketeconomy,SMEsplay anindispensableroleinpromotingeconomicgrowth,technologicalinnovation,jobcreation andimprovementofpeople'slivelihood.Inrecentyears,withthecontinuousadvanceof domesticsupplysidereform.Thestatecouncilhasissuedanumberofpoliciesandmeasures aimedatfurtherpromotingtheimplementationofpoliciestoimprovethebusiness environment,withspecialemphasisontheneedforfinancialinstitutionstoprovidemore servicestoprivateenterprises.AsthemainproviderofSMEfinancing,Banksarethemain forceofSMEcreditbusiness.Atpresent,commercialBankshaveadjustedtheiroperation directiononeafteranother,andintroducedtheirowncreditproductsforfinancingSMEs.The incentivedegreeofmarketcompetitionforSMEs'creditbusinessisincreasingdaybyday. Thispapertakesthecreditbusinessofsmallandmedium-sizedenterprisesinCDbranch ofbankAastheresearchobject.Onthebasisofdomesticandforeignrelatedresearch literaturesystematiccombing.First,thedefinition,characteristicsandclassificationcriteriaof SMEcreditbusinessaresummarized.Secondly,itcomprehensivelyanddeeplyexpoundsthe problemsexistinginthecreditbusinessprocess,productstructure,industryconcentration degree,regionaldevelopmentstatus,marketingteamconstructionandthequalityof employeesinCDbranchofbankA.Thirdly,itanalyzestheinternalandexternaloperating environmentanddevelopmentoftheSMEcreditbusinessthroughPESTmethod.Finally,the realizationofefficientuseofbigdataonthetentaclesextendedservice,givingfullplaytothe advantagesofnetworkresources,theguestusecooperationplatformtobroadenchannels, strengthentheteamconstruction,perfectingtheassessmentmechanism,optimizingsystem andbusinessprocess,strengthenriskpreventionandcontrolmeasurestohelpthebankto III solvethecurrentproblems,suchasnewideasandspecificsolutionisoperational,inorderto offerAbankCDbranchinthefuturedevelopmentofsmallandmedium-sizedenterprise creditbusinessforreference. KEYWORDS:ABankCDbranch;smallandmedium-sizedenterprises; creditbusiness IV 目录 摘要.............................................................................................................................................I ABSTRACT...............................................................................................................................II 第一章绪论...............................................................................................................................1 1.1选题背景..............................................................................................................................1 1.2研究目的和意义..................................................................................................................1 1.2.1研究目的..........................................................................................................................1 1.2.2研究意义..........................................................................................................................1 1.3国内外文献综述..................................................................................................................2 1.3.1国外文献综述..................................................................................................................2 1.3.2国内文献综述..................................................................................................................5 1.3.3国内外研究述评..............................................................................................................8 1.4研究方法..............................................................................................................................8 1.5研究创新点..........................................................................................................................9 第二章研究的基础性理论及方法........................................................................................11 2.1中小企业信贷业务内涵....................................................................................................11 2.1.1中小企业融资................................................................................................................12 2.1.2银行发展中小企业信贷业务的意义............................................................................14 2.2中小企业信贷业务相关理论及方法................................................................................15 2.2.1麦克米伦缺口理论........................................................................................................15 2.2.2不对称信息理论............................................................................................................15 2.2.3PEST分析法..................................................................................................................16 第三章A银行CD分行中小企业信贷业务发展现状及存在问题分析...............................17 3.1A行CD分行中小企业信贷业务发展现状......................................................................17 3.1.1基本情况........................................................................................................................17 3.1.2主要产品........................................................................................................................18 3.1.3发展现状........................................................................................................................19 3.2A银行CD分行中小企业贷款业务流程..........................................................................24 V 3.2.1贷前调查........................................................................................................................24 3.2.2贷中授信审查审批........................................................................................................25 3.2.3贷款发放........................................................................................................................26 3.2.4贷后管理........................................................................................................................26 3.3A行CD分行中小企业信贷业务存在的主要问题..........................................................26 3.3.1产品结构不合理............................................................................................................26 3.3.2信贷流程冗长，作业效率有待提高............................................................................28 3.3.3行业结构集中度过高....................................................................................................30 3.3.4区域发展水平参差不齐................................................................................................30 3.3.5从业人