A Thesis Submitted in Partial Fulfillment of the Requirements
for the Degree of Master of Business Administration
A Research on the Optimization of Small Loans
Management for HZ Rural Commercial Bank
Candidate : Zhang Ziheng
Major : Business Administration
Supervisor : Prof. Gao Yongqiang
Huazhong University of Science & Technology
Wuhan 430074, P.R.China
April, 2017
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I
华 中 科 技 大 学 硕 士 学 位 论 文
摘要
伴随着我国经济转方式、调结构的不断深入和社会经济的持续发展，金融业发
展出现了新常态。民营银行、村镇银行涌现，第三方支付迅速兴起并快速融入人民
生活，国有五大行、股份制银行的服务触角进一步下沉农村。农商银行作为我国金
融体系中重要的一份子，深耕于农村，与农村农民“同声共振”，但因自身规模、
人员素质、内部管理水平等因素限制，同时受经济下行、同业竞争加剧、特定服务
客户群体等条件影响，前行的形势更严峻。在经济L型走势长期持续的大环境下，
农商银行加强业务创新和自身转型的同时，开始着力深入挖潜内在潜力，希望寄托
于强化信贷管理，尤其是强化小微贷款的管理，来提高资产质量，从而增加收入
本文主要针对HZ农商行小微信贷管理进行探讨。小微信贷管理优化研究的目的
是要建立更好适应HZ农商行行情的小微信贷管理体系，提高科学化管理水平，促进
相关业务的发展。目前，国内外金融机构包括国内农商行系统，在加强贷款管理方
面有较多的探讨和研究，HZ农商行在加强小微贷款管理方面的探索从未间断，但一
直困难重重，成效不明显。本文通过对HZ农商行小微贷款管理现状和存在的现实问
题进行深入分析，查摆问题和瓶颈，挖掘成因和症结，在对涉农和中小企业信贷需
求进行市场调研以后，从组织框架、信贷产品、队伍优化等方面给出了优化方案和
对策
关键词：小微信贷贷款管理优化对策HZ农商行
II
华 中 科 技 大 学 硕 士 学 位 论 文
Abstract
With the restructuring and adjustment of Chinese domestic economy, a “new normal”
has emerged in the financial industry. For example, privately-owned banks and village
banks are booming. The third party payment platform becomes popular in no time and
then gets into the local lives quickly. The top five of state-owned banks and other
shareholding commercial banks pay more attention to business of the rural finance. Rural
commercial bank, as a part of the financial system in China, is very familiar with villages
and farmers. However, the rural commercial bank is now in a more and more complex and
rigorous situation, not only influenced by the limited size, management and personnel
quality, but also economy downturn and the intensifying competition. Under the
circumstance where the economy continues to tend towards L-shaped growth, the rural
commercial bank not only strengthens financial innovation and transforms itself but puts
effort in tapping potentials and pins its hope on intensifying loan management especially
in small loans so as to increase the quality of assets and earnings.
This thesis aims to study the management of the small loan in HZ Rural Commercial
Bank. Recently, whether at home or aboard, financial institutions including the domestic
rural commercial bank system, have often discussed and studied how to intensify the loan
management. Though HZ Rural Commercial Bank is trying to find a solution, the result is
not satisfying because of many difficulties. In this thesis, after doing market survey on
credit demand of farmers and small enterprises, we provide a series of solutions and
countermeasures in terms of organization, personnel, and credit products through the
in-depth analysis of the real problems in the management of small loans in HZ Rural
Commercial Bank.
Key words: Small micro creditLoan managementOptimization countermeasures
HZ Rural Commercial Bank。