小微企业作为市场的重要组成部分，在经济发展、吸收就业和技术创新方 面扮演这重要的角色。十三五期间，小微企业面对经济新常态，需要向质效同 升、创新驱动方向转型，但是由于小微企业自身规模的限制，在管理体系、人 才配置和资本投入方面仍存在着短板，资金作为撬动其他要素的关键，需求显 得更加迫切。 在本次研究当中主要采用了文献分析法、案例分析法以及定量分析和定性 分析方法相互结合开展了关于盐城市X农商行小微企业信贷业务提升方面的研 究。在实际研究当中首先对农商行小微企业信贷业务的整体发展背景进行分 析，然后由开展了国内外文献综述，确定本次研究的主要内容和技术路线。阐 述与农商行小微企业信贷业务相关的概念与理论基础，为接下来的具体案例分 析奠定理论基础。另外还分析了国内外在这方面的成功经验，引入X农商行小 微企业信贷业务的基本概况，当前信贷业务中存在的主要问题，比如信贷产品 缺乏创新性，缺少专门负责小微企业信贷部门，缺少完善的信贷和服务流程， 信息不对称问题很难有效解决，风险管理水平比较低。解决这些问题的针对性 策略，如提升现有的信贷产品，加强企业内部管理，建立专门的小微企业信贷 部门。为了让制定的这些措施执行效率得到保障，还需要制定专门的保障，比 如健全现有的银行金融投资市场，加强银行风险管理。另外还需要注重企业的 经营策略，探寻风险容忍度。通过提升对策以及保障措施的制定，让盐城市X 农商银行小微企业贷款业务得到更好地发展。 关键词：小微企业，融资，信贷业务，农村商业银行，风险控制 江苏大学工商管理硕士（MBA）学位论文 II ABSTRACT As an important part of the market, small and micro enterprises play this important role in economic development, employment absorption and technological innovation. During the 13th Five-Year Plan period, small and micro enterprises face the new normal economy, need to transform to the same quality and efficiency, innovation-driven direction, but because of the small and micro enterprises' own scale constraints, there are still shortcomings in the management system, talent allocation and capital investment, capital as the key to leverage other elements, the demand is more urgent. During this research, literature analysis, case analysis, quantitative analysis and qualitative analysis are used to carry out the research on the promotion of credit business of small and micro enterprises in Yancheng X agribusiness. In the actual research, we first analyze the overall development background of the small and micro enterprise credit business of agribusiness, and then carry out the literature review at home and abroad to determine the main content and technical route of this research. This paper expounds the concept and theoretical basis related to the credit business of small and micro enterprises of agribusiness, and lays a theoretical foundation for the following specific case analysis. Besides, the successful experiences at home and abroad in this field are analyzed and X farmers are introduced The basic situation of the credit business of small and micro enterprises, the main problems existing in the current credit business, such as the lack of innovation in credit products, the lack of special responsibility for the credit department of small and micro enterprises, the lack of perfect credit and service flow, the problem of information asymmetry is difficult to solve effectively, and the level of risk management is relatively low. targeted strategies to solve these problems, such as upgrading existing credit products, strengthening internal management of enterprises, and establishing a special credit department for small and micro enterprises. In order to ensure the efficiency of the implementation of these measures, there is also a need for special safeguards, such as 江苏大学工商管理硕士（MBA）学位论文 III improving the existing banking financial investment market and strengthening bank risk management. Additional requirements Should pay attention to the management strategy of the enterprise, explore the risk tolerance. By promoting countermeasures and the formulation of safeguard measures, the small and micro enterprise loan business of Yancheng X Agricultural and Commercial Bank can be better developed. Keywords: small and micro enterprises, financing, credit business, rural commercial Banks, risk control 江苏大学工商管理硕士（MBA）学位论文 目 录 第一章 绪论 ................................................................................................................. 1 1.1 研究背景 ............................................................................................................. 1 1.2 研究目的及意义 ................................................................................................. 2 1.2.1 研究目的 ...................................................................................................... 2 1.2.2 研究意义 ...................................................................................................... 2 1.3 国内外研究动态 ................................................................................................. 3 1.3.1 国外研究动态 .............................................................................................. 3 1.3.2 国内研究动态 .............................................................................................. 4 1.4 研究思路与方法 ................................................................................................. 5 1.4.1 研究思路与技术路线 .................................................................................. 5 1.4.2 研究内容 ...................................................................................................... 6 1.4.3 研究方法 ...................................................................................................... 7 第二章 相关概念及理论基础 ..................................................................................... 8 2.1 相关概念 ............................................................................................................. 8 2.1.1 小额信贷 ...................................................................................................... 8 2.1.2 信贷模式 ...................................................................................................... 8 2.1.3 小微企业的定义与分类标准 ...................................................................... 9 2.1.4 商业银行小微企业信贷业务 ...................................................................... 9 2.2 相关理论 ........................................................................................................... 11 2.2.1 生产者均衡理论 ........................................................................................ 11 2.2.2 银行再造理论 ............................................................................................ 11 2.2.3 激励机制理论 ............................................................................................ 12 第三章 国内外小微信贷模式实践及启示 ............................................................... 13 3.1 国内外小微贷款模式 ....................................................................................... 13 3.1.1美国政府信贷担保模式 ............................................................................. 13 3.1.2孟加拉乡村银行模式 ................................................................................. 13 3.1.3 玻利维亚阳光银行模式 ............................................................................ 13 3.1.4 我国吉林省抚松模式 ................................................................................ 14 3.1.5 我国民生银行“商贷通”模式 ................................................................... 15 江苏大学工商管理硕士（MBA）学位论文 3.2 国内外小微信贷模式经验分析 ....................................................................... 15 3.3 本章小结 ........................................................................................................... 16 第四章 X农商行小微企业信贷业务现状和问题分析 ........................................... 17 4.1 X农商行基本情况 ............................................................................................ 17 4.2 X农商行小微企业信贷业务现状 ..............................