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论文编号：	10334
作者编号：	2120163120
上传时间：	2018/12/6 0:17:46
中文题目：	天津G银行普惠金融发展策略研究
英文题目：	Research on development strategy of Financial Inclusion of Tianjin G bank
指导老师：	张耀伟
中文关键字：	普惠金融;银行;发展策略
英文关键字：	inclusive finance;bank;development strategy
中文摘要：	当前国家的经济发展已经进入新的时代，由经济高速上升周期逐步调整为 高质量经济发展阶段，并继续推进供给侧结构性改革，同时国际政经格局却是越 趋复杂多变。目前面临美国持续升级的单边保护主义，令最近几十年以来逐步形 成、以多边贸易合作的自由贸易体系受到很强的挑战和冲击。很多贸易公司和制 造业厂商受到影响，同时汇率市场较大幅的波动，亦令实体经济承受额外的经营 风险。此外，贸易争端影响营商环境、企业投资意愿和金融市场气氛，环球贸易 量或因此而减少，从而遏抑了国家经济动力，持续下去还可能引致全球供应链发 生变化，引发金融系统性风险，阻碍经济前行。国务院已发布《中国推进普惠金 融发展规划(2016-2020 年)》，进一步明确发展普惠金融、促进实体经济发展的 重要目标，因此普惠金融的发展成为趋势。 本文主要致力于在当前经济环境下，以我国大力发展实体经济，放宽中小 微企业融资门槛，以及银行业在普惠金融领域的发展问题为背景进行研究，??出 了我国当下致力于普惠金融领域发展的重大意义，并以大型国有商业银行中的 典型代表 G 银行天津分行的普惠金融业务发展情况进行分析，通过实地调研和 访谈，着手对 G 银行普惠金融业务的发展现状进行了论述，同时结合实际业务 发展情况，总结了过程中存在的问题，最后??出改进 G 银行普惠金融业务发展 策略方面的相关的建议和对策，着手于解决如何在银行的普惠金融业务方面实 现发展和创新。 在分析 G 银行天津分行的过程中，笔者发现 G 银行天津分行确实存在一些 制约其普惠金融业务发展的问题。比如信贷结构缺乏均衡性、业务流程繁琐、普 惠事业组织构架不完善、从业人员素质有待??升、风险防控机制有待改进等问题。 同时对这些问题产生的原因进行了分析，并??出 G 银行普惠金融业务应从加强 重视管理入手，进一步完善组织构架、扩充高素质从业人员队伍，优化普惠金融 业务流程、改善风控机制、创新产品种类等对策。
英文摘要：	At present，the country's economic development has entered a new era，gradually adjusting from the high-speed economic upturn to the stage of high-quality economic development，and continuing to push forward the supply-side structural reform. The ongoing escalation of unilateral protectionism in the United States poses a strong challenge and shock to the free trade system that has evolved in recent decades and is based on multilateral trade cooperation. Many trading and manufacturing companies have been affected，and the more volatile exchange rate markets have put additional operational risks on the real economy. In addition，trade disputes affect the business environment，the willingness of enterprises to invest and the atmosphere of financial market. As a result，the volume of global trade may decrease，which dampens the national economic momentum. If continued，it may lead to changes in the global supply chain，which will lead to financial systemic risks and hinder economic progress. The state council has released China's development plan for promoting inclusive finance (2016-2020) to further clarify the important goals of developing inclusive finance and promoting the development of the real economy，so the development of inclusive finance has become a trend. This article focuses on the current economic environment，in order to vigorously develop the real economy in our country，to broaden the micro，small and medium enterprises financing threshold， and the development of the banking sector in the field of inclusive finance financial problems as the background for research，put forward the our country present to inclusive finance great significance of the development of the financial sector ， and large state-owned commercial Banks to the typical representative of G bank Tianjin branch inclusive finance business development is analyzed，through on-the-spot investigation and interviews，the G bank，set out to inclusive financial business development present situation are discussed，at the same time，combined with the actual business development，summarizes the problems existing in the process，At last，it puts forward some Suggestions and countermeasures to improve the development strategy of G bank's inclusive finance business， and starts II Abstract to solve how to achieve development and innovation in the inclusive finance business of bank. In the process of analyzing G bank's Tianjin branch，the author finds that G bank's Tianjin branch does have some problems that restrict its development of inclusive finance. For example，the credit structure is lack of balance，the business process is complicated，the structure of department is not perfect，the quality of employees needs to be improved，and the risk prevention and control mechanism needs to be improved. At the same time，this paper analyzes the causes of these problems，and proposes that the inclusive finance business of bank G should start from strengthening management， further improving the organizational structure，expanding the qualified personnel， optimizing the business process of inclusive finance，improving the risk control mechanism，and innovating the product category.
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