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论文编号：	6090
作者编号：	2220110787
上传时间：	2013/12/24 16:19:27
中文题目：	宁夏银行发展微小贷款业务对策研究
英文题目：	Study on MSE credit business of Bank of Ningxia
指导老师：	张永强
中文关键字：	宁夏银行 微小企业贷款 信贷流程再造
英文关键字：	Bank of Ningxia, MSE Credit business，Re-design of credit procedure
中文摘要：	随着中国经济改革不断深化，金融行业的垄断地位在逐步打破，银行的竞争也从传统国有企业、大型民营企业的竞争向小企业微小企业市场不断渗透，因此，谁能掌握微小贷款信贷技术，谁就能在改革和竞争中抢占先机，从而赢得战略上的胜利。宁夏银行1998年成立，作为一家地方商业银行，在当地同业竞争中名列前茅，在西北五省城商行中率先迈出跨区域经营步伐，这些成绩与其敢于创新，勇于实践的理念密不可分。面对激烈的竞争，2009年，宁夏银行继续细分目标市场，借鉴德国IPC技术开始开展微小贷款业务，获得了新的业务增长动力。在发展的四年中，积累了一些好的经验和做法，但这只是开始，与国内众多开展微贷业务的银行相比，只是一个小兄弟，学习和追赶的路还很长，但毕竟已经开始前行，有其独到之处。本文首先从宁夏银行的介绍入手，其次介绍了宁夏银行微贷业务发展的现状、存在的问题及对策。最后，文章结合上述策略，分析了宁夏银行在这一策略下开展微小贷款业务的重要实践。综上所述，微小贷款业务的发展是宁夏银行业务发展中的有益探索，也是银行未来竞争的必争领域，总结和梳理将会为下一步的壮大奠定基础，相信本文会为同行提供一定借鉴意义。
英文摘要：	With China's economic reform has continued to deepen, the monopoly status of the financial industry is disappearing. Banks are transforming their business models to develop new markets. Competitions among banks are changing market penetration models from traditional state-owned enterprises and large private enterprises to micro small business enterprises. A good command of the small loan credit technology means the opportunity in the reform and the competition, which leads to the final strategic victory. Founded in 1998, Bank of Ningxia, is among the top in the local banks. As a local commercial bank, Bank of Ningxia became one of the first banks to adopt cross-region management strategy in the northwest five provinces. These achievements are inseparable from its business philosophy of innovation and practice. In face of the fierce competition, in 2009, Bank of Ningxia continued its market segment strategy. Inspired by German IPC technology, Bank of Ningxia began to carry out the Micro Credit business, through which a new business growth is underway. In the four years of development, Bank of Ningxia has gained some good experience and methods. However, it is just the beginning. Compared with other domestic banks having conducted the Micro Credit business, we still have a long way to go. Now we have already begun our journey, and we also have some advantages. This article first gave an introduction to the Bank of Ningxia. Then, it introduced the construction of its Micro Credit center, trying to share successful experience with other banks through describing its system institution and the construction of the mechanism. Besides, this article made an objective analysis of the arising problems in Micro Credit business and new proposals and ideas are put forward accordingly. In a word, a lot of efforts have also been made by Bank of Ningxia in Micro Credit business. I believe that what we are doing now will be one of new development directions in future.
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