分类号:
10710-2017323090
专业硕士学位论文
“两增两控”背景下ZZ 银行小微企业信贷模式优化研究
张廷砚
导师姓名职称 李丽 教授
专业学位类别
申请学位类别 硕士专业学位 工商管理
及领域名称
论文提交日期 2022 年 4 月 1 日 论文答辩日期2022 年 6 月 11 日
学位授予单位长安大学 Optimize Research On The Small and Micro Enterprise
Loan Mode of ZZ Bank With the "Two Increases and Two
Controls"
A Thesis Submitted for the Degree of Master
Candidate：Zhang Tingyan
Supervisor：Prof. Li Li
Chang’an University, Xi’an, China
论文独创性声明
本人声明：本人所呈交的学位论文是在导师的指导下,独立进行研究工作所取得的成
果。除论文中已经注明引用的内容外，对论文的研究做出重要贡献的个人和集体，均已
在文中以明确方式标明。本论文中不包含任何未加明确注明的其他个人或集体已经公开
发表的成果。
本声明的法律责任由本人承担。
论文作者签名： 2022 年 6 月 18 日
论文知识产权权属声明
本人在导师指导下所完成的论文及相关的职务作品，知识产权归属学校。学校享
有以任何方式发表、复制、公开阅览、借阅以及申请专利等权利。本人离校后发表或使
用学位论文或与该论文直接相关的学术论文或成果时，署名单位仍然为长安大学。
（涉密论文在解密后应遵守此规定）
论文作者签名： 2022年6 月 1 8 日
导 师 签 名： 2022 年 6 月 18 日
摘 要
摘 要
随着我国经济逐步放缓，经济发展面临从外向型经济向内需型经济的转变。小微
企业作为内需型经济的源泉和动力，越来越受到国家层面的关注。但是小微企业融资难，
融资成本高一直是约束小微企业发展的重要方面。因此，作为金融监管机构如何引导银
行信贷资金向小微企业方向倾斜成为工作的重中之重。
“两增两控”政策的提出、实施和细化要求，有效的缓解了目前商业银行和小微企
业融资难的问题。ZZ 银行作为河南区域内有影响的城市商业银行，其在“两增两控”
政策实施后如何不断优化小微企业贷款模式流程，加速小微信贷产品创新，充分调动员
工的积极性，从而推动小微信贷业务稳健发展，更好地满足中小企业的客户需求。
本文以 ZZ 银行小微信贷模式为研究对象，研究其在“两增两控”政策指导下，运
用博弈论，信贷配给等理论，以案例分析法、问卷调查法等方法，阐述其在“两增两控”
实施前后小微企业贷款模式的变化，提出了基于“两增两控”政策对ZZ 银行小微企业
贷款模式优化措施。论文首先分析了“两增两控”政策实施前后，ZZ银行贷款模式的
变化。“两增两控”政策实施后，ZZ 银行小微企业贷款架构发生了变化，组建了小微
团队专营小微贷款业务，贷款业务产品多样化，贷款流程逐步“线上”化。其次，分析
了“两增两控”政策实施后ZZ 银行小微企业贷款完成情况，前期圆满完成“两增两控”
监管任务指标，后期增长率与过去相比逐步放缓，不能满足“两增两控”具体的增量需
求。再次，论文基于相关理论、与其他银行的比较及问卷调查等方式，分析了 ZZ 银行
小微贷款模式在贷款构架、产品设计、贷款流程等方面存在的问题。最后，结合ZZ 银
行实际情况，借鉴国内优秀银行小微企业贷款模式，提出对 ZZ 银行小微企业贷款模式
在政策、流程、产品、客户、科技、团队建设等六项的改进措施。
关键词：信贷模式；信贷业务；两增两控；小微企业；
I 长安大学硕士学位论文
Abstract
With the gradual slowdown of China, economic development is facing a shift from an
export-oriented economy to a domestic demand-oriented economy. As the source and driving
force of the domestic-demand economy, small and micro enterprises have attracted more and
more attention at the national level. However, it is difficult for small and micro enterprises to
obtain financing, and high financing costs have always been an important aspect of restraining
the development of small and micro enterprises. As a bank, more and more banks have begun
to pay attention to small and micro enterprise loans. Therefore, as a financial regulatory
agency, how to guide bank credit funds to tilt towards small and micro enterprises has become
a task.
Since small and micro enterprises have always been a vital force in my country’s
economic development and a reservoir for absorbing employment, many factors restrict the
development of small and micro enterprises. The survival rate of small and micro enterprises
in my country has always been lower than the international average. Therefore, more financial
policies are needed. The tilt to help small and micro enterprises. The "Two Increases and Two
Controls" policy has alleviated the current difficulties in economic development, and with its
continuous improvement and development, more and more small and micro enterprises have
obtained bank credit support. Among them, Henan is the Central Plains region, and the ZZ
Bank is an influential city commercial bank in the region. Promote the steady development of
small and micro credit business; how to accelerate product innovation to better meet the
customer needs of Small and Micro Enterprises? The above-mentioned problems need to be
solved urgently.
This paper takes small and micro credit model of ZZ Bank as the research object, and
studies its role in "two increases and two controls" under the guidance of itself. Changes in
the loan mode of small and micro enterprises before and after the implementation of "two
increases and two controls", ZZ Bank proposes optimization measures for small and micro
enterprise loans based on "two increases and two controls". The paper first analyzes the
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