联系我们

论文查询结果	返回搜索

论文编号：	14333
作者编号：	2320213505
上传时间：	2023/12/11 23:02:29
中文题目：	A银行制造业小微企业信贷业务问题与优化研究
英文题目：	Research on the Problems and Optimization of Small Micro Enterprise Credit Business in the Manufacturing Industry of A Bank
指导老师：	覃家琦
中文关键字：	制造业小微企业;信贷业务;问题与优化研究
英文关键字：	Manufacturing Small and micro enterprises;Credit business;Problem and optimization research
中文摘要：	小微企业在我国社会中数量庞大，是经济发展的稳固保障，是稳定就业、推进创新的重要源泉，且其规模呈逐年发展壮大的趋势。制造业是一个国家国民经济的支柱产业，是竞争力、创造力以及综合国力的重要表现。对比我国制造业小微企业对整体经济的贡献情况，金融机构对其融资的支持力度有较大差距。A银行作为国内服务小微企业的主力军，近年来积极响应国家号召，在解决制造业小微企业融资难题、扶持制造业小微企业健康发展等方面取得了一定成效，但在制造业小微企业信贷业务上仍存在一定问题。 本文以A银行制造业小微企业信贷业务作为研究对象，在借鉴国内外信息不对称理论、信贷配给理论和企业生命周期理论的文献基础上，运用案例分析法和比较分析法展开论述。首先，结合A银行的基本情况阐述A银行制造业小微企业信贷业务的现状，分析业务发展中存在的问题，目前主要集中在产品发展较为滞后、运营成本较高、客户服务水平不足、风险控制有待完善等四个方面。其次，对问题进行分析并提出从提高产品创新能力、完善信贷工作流程、注重提升客户服务能力、丰富信贷风控体系等四个方面的优化建议。再次，结合A银行实际，提出包括资源保障、建制保障、人员保障在内的优化实施保障，确保优化建议顺利实施。最后，在总结章节提出结论和政策建议。 本文的研究一方面希望能对A银行的制造业小微企业信贷业务的问题进行分析，从而推动业务发展，另一方面由于我国商业银行经营具有同质性，也希望能够对商业银行小微企业信贷业务整体的发展起到一定的参考作用，以此为其提供改进思路。 关键词：制造业小微企业；信贷业务；问题与优化研究
英文摘要：	Small and micro enterprises in our country constitute a significant number within the society, serving as a solid foundation for economic development. They are vital sources of stable employment and drivers of innovation, with their scale steadily increasing year by year. Manufacturing is a cornerstone industry for a nation's economy, reflecting its competitiveness, creativity, and overall strength. When comparing the contributions of small and micro enterprises in the manufacturing sector to the overall economy, it becomes evident that there is a considerable gap in the level of financial support provided by financial institutions.As one of the leading banks in the country, Bank A has actively responded to the national call in recent years. It has made some progress in addressing the financing challenges faced by small and micro enterprises in the manufacturing sector and supporting their healthy development. However, there are still certain issues in its credit business for these enterprises. This article focuses on Bank A's credit business for small and micro enterprises in the manufacturing sector. Drawing from literature on information asymmetry theory, credit allocation theory, and the theory of corporate life cycles, the research employs case analysis and comparative analysis methods to elaborate on various aspects of the topic.First, it begins by presenting the current state of Bank A's credit business for small and micro enterprises in manufacturing and analyzing the issues encountered during its development. These issues predominantly revolve around product development lag, high operational costs, inadequate customer service levels, and the need for improved risk control.Next, the article offers suggestions for optimization in four key areas: enhancing product innovation capabilities, streamlining the credit workflow, focusing on improving customer service, and enriching the credit risk management system.Furthermore, the research delves into practical considerations related to resource allocation, structural support, and personnel support within Bank A to ensure the smooth implementation of the optimization recommendations.In the concluding section, the article provides conclusions and policy recommendations. It aims to analyze the issues within Bank A's credit business for small and micro enterprises in the manufacturing sector to drive its development. Additionally, given the homogeneity in commercial bank operations in China, it hopes to serve as a reference for the overall development of commercial bank credit services for small and micro enterprises, offering insights for improvement. Key?Words:Manufacturing Small and micro enterprises；Credit business；Problem and optimization research
查看全文：	预览  下载(下载需要进行登录)