中国小微企业数量逐年增加，激发了市场经济的发展潜力和产品更替速度， 在产品研发、技术创新和市场营销方面不断进步，成为市场经济中不可或缺的主 体，为技术创新带来活力。小微企业经营和生产规模小，经济基础较为薄弱，经 营和管理受市场变化的影响比较明显，资金需求缺口比较大，尤其2020年“新冠” 疫情为小微企业的发展和复工复产带来挑战，出现资金周转能力不足的现象。 小微企业融资需求的扩大为银行的信贷业务发展提供了机遇，尤其在大数据 背景下，越来越多的商业银行依托互联网技术，挖掘大数据潜在价值，推出大数 据信贷产品，解决小微企业客户的多样化需求，相比传统金融产品，在客户营销、 产品创新、客户风险评估方面具有优势。本文选取T商业银行为研究对象，主要 采用问卷调查方法，从T银行信贷业务现状，信贷资金配置的考量因素等方面进 行描述性统计分析。首先，对T银行开展小微企业信贷业务的基本情况进行分析， 包括信贷产品、业务特点及业务优势等。其在Y市的贷款市场占有率较高，研发 和设计了多项小微企业新型融资产品，一定程度上缓解了企业的融资困境。其次， 随着市场竞争加剧和融资产品趋同化，T银行在发展小微企业融资业务过程中逐渐 暴露出问题和风险，如产品种类少、营销效率等、银企信任不足、信贷供给不足 等。 本文针对T银行发展历程和特点，提出了优化T银行中小微企业融资产品优 化策略，从经验借鉴、创新营销模式、产品多元化、构建信用评价体系等多方面 提升服务力和竞争力，对其他银行类似业务也有指导意义。 关键词：商业银行；小微企业；信贷业务；优化策略 西安建筑科技大学硕士学位论文 Research on the Development and Optimization Strategy of T Bank's Small and Micro Enterprise Credit Business Major: Business Management Name: Sang Qintao Instructor: Li Congrong Abstract The number of small and micro enterprises in China is increasing year by year, which stimulates the development potential of the market economy and the speed of product replacement. It has made continuous progress in product research and development, technological innovation and marketing, and has become an indispensable subject in the market economy, bringing vitality to technological innovation. The operation and production scale of small and micro enterprises is small, the organizational structure is simple, the system construction is imperfect, the economic foundation is relatively weak, the operation and management are significantly affected by market changes, and the funding demand gap is relatively large, especially the "new crown" epidemic in 2020 is small and micro The development of enterprises and the resumption of production bring challenges, and there is a phenomenon of insufficient capital turnover. The expansion of financing needs of small and micro enterprises has provided opportunities for banks' credit business development. Especially in the context of big data, more and more commercial banks rely on Internet technology to tap the potential value of big data, launch big data credit products, and solve small and micro businesses. Compared with traditional financial products, the diversified needs of corporate customers have advantages in customer marketing, product innovation, and customer risk assessment. This question selects T commercial banks as the research object, mainly adopts a questionnaire survey method, and conducts a descriptive statistical analysis from the aspects of T bank's credit business status and the consideration factors 西安建筑科技大学硕士学位论文 of credit fund allocation. First, analyze the basic situation of T bank's small and micro enterprise credit business, including credit products, business characteristics and business advantages. It has a relatively high market share in the loan market in City Y. It has developed and designed a number of new financing products for small and micro enterprises, which has alleviated the financing difficulties of the enterprise to a certain extent. Secondly, with the increasing market competition and the assimilation of financing products, T Bank gradually exposed problems and risks in the development of small and micro-enterprise financing business, such as fewer product types, marketing efficiency, insufficient trust between banks and enterprises, and insufficient credit supply. Based on the development process and characteristics of T Bank, this paper proposes an optimization strategy for optimizing the financing products of T Bank ’s small and medium-sized enterprises, and improves service capabilities and competitiveness from various aspects such as experience learning, innovative marketing models, product diversification, and the establishment of a credit evaluation system. Similar business of banks also has guiding significance. Keywords: Commercial Bank; Small and Micro Enterprise; Credit Business; Optimization Strategy 西安建筑科技大学硕士学位论文 I 目录 1绪论 ............................................................................................................................... 1 1.1研究背景与意义 ................................................................................................ 1 1.1.1研究背景 ................................................................................................. 1 1.1.2研究意义 ................................................................................................. 2 1.2国内外研究现状 ................................................................................................ 2 1.2.1国外相关研究 ......................................................................................... 2 1.2.2国内相关研究 ......................................................................................... 4 1.2.3文献评价 ................................................................................................. 6 1.3研究思路与方法 ................................................................................................ 6 1.3.1研究思路与内容 ..................................................................................... 6 1.3.2研究方法 ................................................................................................. 7 1.3.3研究框架 ................................................................................................. 8 2核心概念与相关理论概述 ........................................................................................... 9 2.1核心概念界定 .................................................................................................... 9 2.1.1小微企业 ................................................................................................. 9 2.1.2信贷业务 ............................................................................................... 10 2.2银行支持小微企业概况 .................................................................................. 10 2.2.1小微企业融资特点 ............................................................................... 10 2.2.2银行开展小微企业信贷业务的现状 ................................................... 12 2.3理论基础 .......................................................................................................... 13 2.3.1信息不对称理论 ................................................................................... 13 2.3.2信贷配给理论 ....................................................................................... 14 2.3.3融资缺口理论 ....................................................................................... 14 2.4本章小结 .......................................................................................................... 14 3 T银行小微企业信贷业务现状的调查分析 .............................................................. 15 3.1 T银行小微企业信贷业务概况 ....................................................................... 15 3.1.1 T银行简介 ............................................................................................ 15 3.1.2 T银行小微信贷业务发展战略 ............................................................ 15 西安建筑科技大学硕士学位论文 II 3.1.3信贷业务发展概况 ................................................................................ 16 3.2 T银行小微企业信贷业务现状的调查结果分析 ...................................