汇编出版，采用影印、缩印或 者其它方式合理复制学位论文。 本学位论文属于（请勾选） （ ）1.经华东师范大学相关部门审查核定的“内部”或“涉密”学位论文*， 于 年 月 日解密，解密后适用上述授权。 （ ）2.不保密，适用上述授权。 导师签名 本人签名 年 月 日 * “涉密”学位论文应是已经华东师范大学学位评定委员会办公室或保密委员会 审定过的学位论文（需附获批的《华东师范大学研究生申请学位论文“涉密”审 批表》方为有效），未经上述部门审定的学位论文均为公开学位论文。此声明栏 不填写的，默认为公开学位论文，均适用上述授权）。 王朔 硕士学位论文答辩委员会成员名单 姓名 职称 单位 备注 阮青松 教授 同济大学 经济与管理学院 主席 贾利军 教授 华东师范大学 经济与管理学部 丁帮俊 教授 华东师范大学 经济与管理学部 I 摘要 小微企业是我国经济社会发展的重要力量，一方面发展创造区域生产总值，另一方面提 供大量就业机会。自改革开放以来，小微企业占我国经济结构比重逐步上升。尤其是近年来， 其经济地位的提升，让政府部门开始关注小微企业的融资发展问题。在全球经济低迷的大背 景下，国内小微企业的发展受到一定的影响。同时，国内经济结构不断转型与调整，使得目 前国内商业银行的利润整体下降，各商业银行迫切寻求新的业务增长突破点，小微企业信贷 业务在我国银行整体业务结构中所占的比重较小，具有广阔发展空间。 基于以上，本文对A银行上海分行的小微企业信贷业务发展现状进行了研究，在了解小 微企业发展面临的社会环境的基础上，通过识别并分析A银行上海分行目前在开展小微企业 信贷业务存在的问题，再结合A银行上海分行小微信贷业务管理存在的缺陷、业务办理流程 繁杂、业务传播乏力、小微企业金融服务风险管理机制与预警机制建设不足、小微企业客户 满意度不高等相关问题，深入分析其中的原因的基础上，有针对性的提出了A银行上海分行 小微企业信贷业务发展优化方案及具体的实施措施。优化小微企业信贷业务发展方案，达成 小微企业与A银行上海分行双赢的发展目标。 研究认为，A银行上海分行应进一步优化小微企业信贷业务，以科学管理为手段，积极 做好新产品开发工作，优化小微企业信贷整体业务流程、服务流程及产品流程，并积极改善 银企间信息不对称局面，为广大商业银行信贷业务优化提供指导，既满足区域内小微企业的 融资需求，同时也为国内银行业小微企业信贷业务发展提供指导，从而更好推动我国经济社 会健康发展。 关键词： A银行上海分行，小微企业，信贷业务，优化策略 II Abstract Small and micro enterprises are making a significant contribution to China's economic and social development. On the one hand, development and creation of regional GDP, on the other hand, provide a large number of employment opportunities. From China's reform and opening up, the economic structure of small and micro enterprises in China has gradually strengthened. Especially recent years, the improvement of its economic status has caused government departments to focus on the financing development of small and micro enterprises. In the context of the global economic downturn, the development of domestic small and micro enterprises has been affected to some extent. At the same time, the domestic economic structure is undergoing transformation and adjustment, as a result, the profits of domestic commercial banks as a whole have fallen. Commercial banks are eager to seek new breakthroughs in business growth. The proportion of small and micro enterprise credit services in the overall business structure of China's banks is relatively small, and it has broad development space. For the above reasons, this article researches A bank Shanghai branch’s development status of small and micro enterprise credit business. On the basis of understanding the social environment facing the development of small and micro enterprises, by identifying and analyzing A bank Shanghai branch's current problems in the credit business of small and micro enterprises, Combined with related problems such as organizational structure defects in the development of A bank Shanghai branch's credit business, complicated business processing procedures, weak business dissemination, insufficient construction of financial service risk management mechanism and early warning mechanism for small and micro enterprises, and low customer satisfaction of small and micro enterprises, based on an in-depth analysis of the reasons In this paper, an A bank Shanghai branch’s small and micro enterprise credit business development optimization plan and specific implementation measures were proposed. Optimize the development plan of small and micro enterprises' credit III business and achieve the win-win development goal of small and micro enterprises and A bank Shanghai branch. The research believes that A bank Shanghai branch should further optimize the credit business of small and micro enterprises, take scientific management as a means to actively do a good job in new product development, optimize the overall business process, service process and product process of small and micro enterprise credit, and actively improve information between banks and enterprises The asymmetric situation provides guidance for the optimization of the credit business of commercial banks, which not only meets the financing needs of small and micro enterprises in the area, but also provides guidance for the development of domestic small and micro enterprises' credit business, so as to better promote the healthy development of China's economy and society. KEY WORDS: A bank Shanghai branch, Small and Micro Enterprises, Credit Business, Optimization Strategy IV 目 录 第1章 绪 论........................................................ 1 1.1 研究背景及意义.............................................. 1 1.1.1 研究背景.............................................. 1 1.1.2 研究意义.............................................. 3 1.2 研究思路及研究方法.......................................... 4 1.2.1 研究思路.............................................. 4 1.2.2 研究方法.............................................. 6 1.3 相关概念.................................................... 6 1.3.1 小微企业.............................................. 6 1.3.2 小微信贷.............................................. 8 1.3.3 小微企业信贷产品...................................... 8 第2章 文献综述及相关理论........................................... 9 2.1 文献综述.................................................... 9 2.1.1 国外文献综述.......................................... 9 2.1.2 国内文献综述......................................... 10 2.2 相关理论基础............................................... 13 2.2.1 企业融资相关理论..................................... 13 2.2.2 业务环境分析理论..................................... 14 第3章 A银行及上海分行小微企业信贷业务现状分析 .................... 15 3.1 上海市小微企业信贷市场分析................................. 15 3.1.1 上海市小微企业信贷市场概况........................... 15 3.1.2 上海市小微企业信贷市场代表产品分析................... 17 3.2 A银行及上海分行小微企业信贷业务现状 ....................... 20 3.2.1 A银行及上海分行介绍 ................................. 20 3.2.2 A银行小微企业信贷业务办理流程 ....................... 30 3.2.3 A银行及上海分行小微企业信贷业务发展现状 ............. 31 第4章 A银行上海分行小微企业信贷业务问题分析 ...................... 34 4.1 问卷设计及调查............................................. 34 4.1.1 问卷调查的目的....................................... 34 4.1.2 问卷过程............................................. 34 4.1.3 调查结果分析......................................... 35 4.2 信贷业务流程复杂缓慢....................................... 37 4.2.1 人员配备不均衡....................................... 37 4.2.2 审批流程复杂......................................... 38 4.2.3 放款速度缓慢......................................... 39 4.3 信贷业务缺乏市场敏锐性..................................... 40 4.3.1 信贷产品服务欠丰富................................... 40 4.3.2 信贷业务未很好理解客户............................... 44 4.3.3 信贷客户开发不到位................................... 45 4.3.4 信贷客户复杂多样..................................... 47 V 4.4 信贷业务吸引力较弱......................................... 55 4.4.1 业务营销传播力较弱................................... 55 4.4.2 政策传导不够深入人心