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MBA论文_互联网金融背景下Z农商银行小微信贷业务优化研究

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更新时间:2023/3/21(发布于江苏)

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文本描述
Dissertation Submitted to
Hebei GEO University
for
The Master Degree of
Inbusiness Administration
Research On The Optimization Of Small And Micro Credit
Business Of Z Rural Commercial Bank Under The Background
Of Internet Finance
by
Zhao Na
Supervisor:Prof. Yang Wuqi
Associate Supervisor:Gui Maolin
December,2021

摘要
伴随着信息技术的不断发展与创新,互联网金融的发展速度越来越快。互联网金
融结合了传统金融业务和互联网的精神,创造出了在线理财、在线支付等一系列便捷
高效的金融工具。在这个新兴领域中,中介、电子商务、微金融等一系列新金融模式
涌现,人们的金融观念发生了转变,实体经济也开始进行融资模式上的创新。长久以
来,小微企业始终面临着融资难、借贷难的问题。但是,我国的小微企业数量占比很
大,全国各地分布广泛,对我国的经济发展有很重要的作用。为了缓解小微企业所面
临的困境,国家出台了支持小微企业的政策,随之而来的是小微企业信贷的迅速发展,
商业银行关于小微企业信贷方面的业务也逐渐发展起来。互联网金融的发展给了银行
和小微企业新的发展契机。因此,有必要研究商业银行等互联网技术和产品的创新,
尤其是针对小微企业的融资产品和信贷流程。
本次研究主要使用了文献研究法、案例分析法、问卷调查法和数据对比分析等方
法,以普惠金融相关理论和金融脱媒相关理论作为依据,以小微信贷相关业务为切入
点,分析了在互联网金融发展的背景条件下Z农商银行小微信贷相关业务的优化情况。
本次研究的主要内容有四方面:一、概述本次研究的理论背景,为本次研究奠定理论
基础,总括互联网金融行业和小微信贷业务的概念特征,分析在互联网金融不断发展
的背景下,小微信贷发展现状和特点。二、分析了Z农商银行近年来的业务基本情况,
总结了银行小微信贷业务的产品结构特点、现有的业务渠道、使用的审批流程等,分
析了其发展现状和存在的问题;三、通过问卷调查的形式了解小微企业的融资情况,
以此为基础分析Z农商银行的小微信贷相关业务中存在的问题,找到问题的成因;四、
针对该银行在小微信贷业务上存在的不足,结合当前的市场背景和现有技术手段,从
银行的信息技术处理、产品的定位、银行的风险控制、信贷流程五方面提出对应的优
化对策。
关键字:互联网金融;小微企业;小微信贷业务;农商银行
I

ABSTRACT
With the continuous innovation of information technology, Internet finance is
developing faster and faster. Internet finance combines the traditional financial business and
the spirit of the Internet to create a series of convenient and efficient financial tools such as
online financial management and online payment. In this emerging field, the development
of new financial models such as intermediary, e-commerce and micro finance not only
subverts people's traditional financial concepts, but also gives birth to the innovation of
financing models of the real economy. For a long time, small and micro enterprises have
always faced the problems of financing and borrowing. However, the number of small and
micro enterprises in China accounts for a large proportion and is widely distributed all over
the country, which plays a very important role in China's economic development. In order
to alleviate the difficulties faced by small and micro enterprises, the state has issued
policies to support small and micro enterprises, followed by the rapid development of small
and micro enterprise credit, and the business of commercial banks on small and micro
enterprise credit has gradually developed. The development of Internet finance has given
banks and small and micro enterprises new opportunities for development. Therefore, it is
necessary to study the innovation of Internet technologies and products such as commercial
banks, especially the financing products and credit processes for small and micro
enterprises.
This study mainly uses the methods of literature research, case analysis, questionnaire
survey and data comparative analysis, takes the Inclusive Finance related theory and
financial disintermediation related theory as the basis, takes the small and micro credit
related business as the starting point, and analyzes the optimization of the small and micro
credit related business of Z rural commercial Bank under the background of the
development of Internet finance. The main contents of this study are as follows: first,
summarize the theoretical background of this study, lay a theoretical foundation for this
study, summarize the conceptual characteristics of the Internet financial industry and small
and micro credit business, and analyze the development status and characteristics of small
and micro credit under the background of the continuous development of Internet finance.
Second, this paper analyzes the basic business situation of Z rural commercial bank in
recent years, summarizes the product structure characteristics, existing business channels
and approval processes of the bank's small and micro credit business, and analyzes its
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