防城港市 C银行小微企业信贷业务竞争战略研究
摘要
本文聚焦防城港市 C银行小微信贷业务竞争战略的研究。由于小微企
业群体分布广泛、融资需求潜力大、议价能力较弱以及国家政策重点支持，
使其成为银行优化资源配置、实现经营转型升级、拓宽利润增长空间的新方
向。C银行充分发挥国有商业银行二级分行在防城港市经济发展中的中流
砥柱作用，依托区位优势，对内部资源进行整合，不断提升对小微企业的信
贷服务水平，实现了小微企业金融服务的高速发展。而随着互联网的快速发
展以及大数据等新技术的广泛运用，对商业银行传统的小微企业信贷业务
模式带来了巨大的冲击。同时，随着利率市场化不断深化、国家金融体制改
革深入推进，商业银行之间的竞争更加白热化。各家商业银行纷纷通过创新
产品和优化服务，将小微企业信贷业务与互联网技术深入融合，以此来争夺
优质的小微企业客户资源。面对防城港市各家商业银行的激烈竞争，以及新
冠疫情所带来的区域信用风险暴露增加， C银行小微企业信贷业务发展后
劲不足。同时，C银行在发展小微企业信贷业务方面，还存在组织架构与业
务发展的新形势不相适应、产品创新与区域特色结合不够紧密、风险管控手
段与业务结构不适配等短板，导致 C银行发展小微企业信贷业务的竞争力
下滑，业务发展遇到了瓶颈。
通过综合运用波特五力模型分析、PEST分析、SWOT模型分析、EFE
和 IFE矩阵分析等工具，对内外部环境进行分析，并结合小微企业信贷理
论、基本竞争战略理论，同时考虑到银行和企业之间的需求，从而提出 C银
行发展小微企业信贷业务要执行聚焦差异化竞争战略，将防城港市及其周
边区域作为聚焦的目标市场，结合区域特色推进服务和产品差异化、授信来
源多样化、精准挖掘客户需求、加强科技对业务的赋能、拓宽与互联网机构
的合作等五大具体战略实施措施。并提出改进组织架构、调整人力资源配置、
强化风险管理保障、加强财务管理、发挥技术支持等保障措施，以保障战略
有效实施。
关键词：商业银行小微企业信贷服务竞争战略
I
RESEARCH ON THE COMPETITIVE STRATEGY OF
SMALL AND MICRO ENTERPRISE CREDIT BUSINESS
OF C BANK IN FANGCHENGGANG CITY
ABSTRACT
This paper focuses on the research on the competitive strategy of the micro-
credit business of C Bank in Fangchenggang city. Due to the wide distribution of
small and micro enterprises, the great potential of financing demand, the weak
bargaining power and the key support of national policies, it has become a new
direction for banks to optimize the allocation of resources, achieve business
transformation and upgrading, and broaden the space for profit growth. C Bank
gives full play to the mainstay role of the secondary branches of state-owned
commercial banks in the economic development of Fangchenggang city, relying
on its geographical advantages, integrates its internal resources, continuously
improves the level of credit services for small and micro enterprises, and realizes
the rapid development of financial services for small and micro enterprises. With
the rapid development of the Internet and the wide use of new technologies such
as big data, it has brought a huge impact on the traditional credit business model
of small and micro enterprises of commercial banks. At the same time, with the
deepening of interest rate liberalization and the deepening of the reform of the
national financial system, the competition among commercial banks has become
more intense. Through innovative products and optimized services, commercial
banks have integrated the credit business of small and micro enterprises with
Internet technology in order to compete for high-quality customer resources of
small and micro enterprises. Faced with the fierce competition among commercial
banks in Fangchenggang city and the increase in regional credit risk exposure
brought about by the COVID-19 epidemic, C Bank's credit business for small and
micro enterprises lacks stamina. At the same time, in the development of small
and micro enterprise credit business, C Bank still has some shortcomings, such as
the organizational structure is not compatible with the new situation of business
development, the combination of product innovation and regional characteristics
is not close enough, and the risk control means are not compatible with the
II