Southwest Universityof Science and Technology
Master Degree Thesis
Research on small and micro
Financial development strategy
of RC Bank of Guanghan
Grade: 2015
Candidate: He Yun
Academic Degree Applied for: Master Degree
Speciality: Business Administration（MBA）
Supervisor : Zhang Hua
GuestSupervisor: Li Shuchun
Jun.16.2018
独创性声明
本人声明所呈交的论文是我个人在导师指导下进行的研究工作及取得的研究
成果。尽我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人
已经发表或撰写过的研究成果，也不包含为获得西南科技大学或其它教育机构的
学位或证书而使用过的材料。与我一同工作的同志对本研究所做的任何贡献均已
在论文中作了明确的说明并表示了谢意
签 名： 日 期： 2018年6月16日
关于论文使用和授权的说明
本人完全了解西南科技大学有关保留、使用学位论文的规定，即：学校有权
保留学位论文的复印件，允许该论文被查阅和借阅；学校可以公布该论文的全部
或部分内容，可以采用影印、缩印或其他复制手段保存论文
(保密的学位论文在解密后应遵守此规定)
签 名： 导师签名： 日 期：2018年6月16日
西南科技大学硕士研究生学位论文 I
摘 要
经济新常态下，小微金融是完善金融供给侧结构性改革的重要内容，而长期
以来受制于信贷风险防范偏重抵押、担保，我国小微金融发展缓慢。近年来，随
着经济体制改革逐步深入，利率市场化进程加快，互联网+金融日益普及，银行
业面临着前所未有的压力，不断进行战略改革转型也成为了多数商业银行的首选，
许多商业银行已将目光转向了小微金融领域，将金融服务方式和产品向小微业务
倾斜，小微金融也正逐步成为金融利润的重要增长点。要实现小微金融可持续发
展，必须要找准问题，创新机制，提高水平，也需要在实践中不断地制定和修正
战略。因此，广汉市RC银行需要不断创新小微金融服务模式，创新升级产品和
流程，推动小微金融跨越式发展，为全行以及地区经济发展带来活力
本文以广汉市RC银行小微金融服务为研究对象，在整理国内外相关小微金
融文献的基础上，界定小微金融概念，采用PEST及SWOT分析方法，结合当地银
行业小微金融实际，分析了广汉市RC银行小微金融战略现状、内部资源和外部
环境、存在问题，通过构建SWOT矩阵得出分析结论，在此基础上提出了广汉市
RC银行小微金融战略的指导思想、发展思路、战略目标、重点任务。同时本文
从人力资源、财务资源配置、风险管理、渠道建设、科技创新等方面梳理了广汉
市RC银行小微金融战略实施的保障措施，下一步发展的政策建议以及促进其小
微金融业务可持续发展的战略对策，为其他分行和股份制银行开展小微金融业务
提供了参考
最后，本文得出广汉市RC银行小微金融战略研究总结和研究展望，认为目
前广汉市RC银行的重点战略任务应该是着重提升自身的差别化品牌优势，打造
强有力的地区小微金融产品和服务，不断增添创新商业模式，并在小微金融推广
过程中不断细化市场并做出具有针对性的营销，从而扩大影响范围、提升知名度
和认同感、进而推动小微金融战略实现跨越式发展
关键词：小微金融；商业银行；差异化战略
西南科技大学硕士研究生学位论文 II
Abstract
Under the new normal economy, small and micro finance is an important part of
improving the structural reforms on the financial supply side, but has long been under
the control of credit risk guarding against mortgages and guarantees, and the
development of small and micro finance in China has been slow. In recent years, with
the gradual deepening of the reform of the economic system, the acceleration of
interest rate liberalization, and the increasing popularity of the Internet and finance,
the banking industry is facing unprecedented pressure. Continuous strategic reforms
have also become the first choice for most commercial banks, and many commercial
banks have The focus has shifted to the small and micro financial sector, tilting
financial services and products to small and micro businesses, and small and micro
finance has also gradually become an important growth point for financial profits. To
achieve the sustainable development of small and micro finance, we must find out the
problems, innovate mechanisms, and improve the level. We also need to continuously
formulate and revise strategies in practice. Therefore, the RC Bank of Guanghan
needs to continuously innovate small and micro financial service models, innovate
products and processes, promote the leapfrog development of small and micro finance,
and bring vitality to the economic development of the whole bank and the region.
This article focuses on the small and micro financial services of the RC Bank of
Guanghan. Based on the collation of domestic and foreign related micro and financial
documents, the concept of small and micro finance is defined, and the PEST and
SWOT analysis methods are used in combination with the actual situation of local
microfinance in banking industry. The status quo, internal resources, external
environment and existing problems of the small and micro financial strategy of the
RC Bank of Guanghan, and the analysis conclusions were established through the
construction of SWOT matrix. On this basis, the guiding ideology and development
ideas of the small and micro finance strategy of the RC Bank of Guanghan were
proposed. Strategic goals, key tasks. At the same time, this paper sorts out the
safeguard measures implemented by the RC Bank of Guanghan's micro-finance
strategy from the aspects of human resources, financial resource allocation, risk
management, channel construction, and scientific and technological innovation. The。