Thesis for Master’ s degree, Shanxi University, 2021
Research On The Development of Small and Micro Credit
Business of Commercial Bank Under The Background
of Internet
—Take Bank AAs An Example
Student Name
Supervisor
Major
Wei Xiao
Prof. Zhang Bo
Business Administration
Business Management
School of Economics and Management
Specialty
Department
Research Duration 2018.09-2021.06
June, 2021

目录
目录
中文摘要.....................................................................................................................Ⅰ
ABSTRACT................................................................................................................Ⅱ
第一章绪论.................................................................................................................1
1.1研究背景........................................................................................................1
1.2选题的意义....................................................................................................2
1.3国内外研究动态............................................................................................3
1.3.1国外研究现状.....................................................................................3
1.3.2国内互联网金融的研究.....................................................................4
1.4研究内容与研究方法....................................................................................4
1.4.1研究内容.............................................................................................4
1.4.2研究方法.............................................................................................5
第二章相关概念和理论概述.....................................................................................6
2.1互联网金融的概述........................................................................................6
2.1.1互联网金融的概念.............................................................................6
2.1.2互联网金融的发展现状.....................................................................6
2.2小微信贷的涵义及其在互联网金融下的特点............................................7
2.2.1小微信贷现状.....................................................................................7
2.2.2互联网小微信贷的特点.....................................................................8
2.3小微信贷理论基础........................................................................................9
1.信息不对称理论........................................................................................9
2.平台经济学理论........................................................................................9
第三章A银行小微信贷业务的发展现状分析........................................................11
3.1 A银行小微信贷业务概述............................................................................11
3.1.1 A银行简介.........................................................................................11
3.1.2 A银行的发展现状.............................................................................11
3.1.3 A银行小微信贷业务简介.................................................................12

目录
3.1.4 A银行小微信贷业务的发展现状.....................................................13
3.2 A银行小微信贷业务发展的 PEST分析....................................................14
3.2.1 A银行小微信贷业务发展的政治环境.............................................14
3.2.2 A银行小微信贷业务发展的经济环境.............................................15
3.2.3 A银行小微信贷业务发展的社会环境.............................................15
3.2.4 A银行小微信贷业务发展的技术环境.............................................15
3.3 A银行小微信贷业务的 SWOT分析..........................................................16
3.3.1 A银行小微信贷业务的优势分析.....................................................16
3.3.2 A银行小微信贷业务的劣势分析.....................................................17
3.3.3 A银行小微信贷业务的机遇分析.....................................................17
3.3.4 A银行小微信贷业务的威胁分析.....................................................18
3.4 A银行小微信贷问卷调查............................................................................20
3.4.1问卷编制...........................................................................................20
3.4.2问卷分析............................................................................................20
3.4.3调查结论...........................................................................................28
第四章A银行小微信贷业务问题............................................................................29
4.1线上小微信贷业务平台建设有待加强......................................................29
4.2小微信贷产品创新滞后..............................................................................29
4.3信贷管理比较混乱......................................................................................30
4.4缺乏专业的线上信贷业务人员..................................................................31
第五章A银行小微信贷发展策略研究.....................................................................32
5.1 A银行小微信贷平台建设............................................................................32
5.1.1 A银行电子商务平台建设.................................................................32
5.1.2与第三方网络平台共同打造在线金融平台...................................33
5.2加强线上小微信贷产品创新......................................................................33
5.2.1针对客户需求设计灵活的线上信贷产品类型...............................33
5.2.2对现有的信贷品种进行开发创新...................................................34
。。。以下略