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论文编号：	6756
作者编号：	2120122746
上传时间：	2014/12/5 19:16:40
中文题目：	天津市PD银行小微企业金融业务开发战略研究
英文题目：	Study of PD bank small and micro enterprises finance business development strategy of Tianjin city
指导老师：	王迎军
中文关键字：	银行;小微企业金融业务;开发战略
英文关键字：	Bank;Small and micro enterprises financial business;Development strategy
中文摘要：	众所周知，小型和微型企业在我国的国民经济总量中占据着主要的位置，在我国的整体经济链条中也扮演着重要角色。在最近的十年间，国务院及国家各职能部门从战略上，逐渐加大对小微企业的政策支持力度，也通过各项税务优惠和政策扶植，逐步改变小微企业所处的经营环境，有效推动了小微企业及小微企业金融的茁壮成长和持续发展壮大。对于商业银行来讲，利用何种战略及策略开发小微企业客群市场，为小微企业提供完善的金融服务，已经成为当下学者普遍研究的问题。本研究从小微企业的基本概念、发展历程和小微企业金融业务的发展现状讲起，通过阐述我国小微企业的发展特征以及我国商业银行在推动小微企业金融业务过程中产生的问题，揭示出目前我国商业银行对小微企业的相关金融服务相对滞后的现状和主要缺陷。与此同时，我们也同样看到国内一些股份制商业银行在推动小微企业金融业务的过程中，不断积累经验，开拓创新，形成了一些个性化的特色和业务优势。 本文基于对天津地区重点小微企业商圈的举例和分析，引出PD银行天津分行在推进小微企业金融业务的过程中所应用的开发战略和拓展思路，从客群甄选、产品开发、流程优化和风险管理等维度全面阐述了该开发战略的构成体系，同时也进一步总结归纳出PD银行天津分行为保证这一开发战略的顺利实施，所匹配的相关保障机制。
英文摘要：	As everyone knows, small and micro enterprises occupy the main position in the national economy of our country, and also plays an important role in overall economic chain of our country. In the recent ten years, the State Council and the state of various functional departments gradually increase the power to support the small micro enterprises by policy in the strategy, but also through the tax breaks and policy support, gradually change the business environment of small micro enterprises. Effectively promote the small and micro businesses and small micro enterprise financial grow sturdily and sustainable development. For commercial banks, using which kind of strategy for developing the market of small micro enterprises, providing the perfect financial service for small and micro enterprises, has become the problems that scholars generally study nowadays. At the beginning of this study, the author introduces the basic concept ,development history of small and micro enterprises and the current situation of the development of small and micro enterprise financial businesses. Through elaborates the development characteristics of small and micro enterprises in our country and the problems of commercial banks of our country developing the financial services about the small and micro enterprises, reveals the hysteretic situation that commercial banks develop the financial services of small and micro enterprises presently and reveals some main defects. At the same time, we also find some domestic joint-stock commercial banks in the process of promoting the financial business of small and micro enterprises, accumulate experience constantly, bring about exploration and innovation, have formed some characteristic of individualism and business advantages. Bases on examples and analysis of concentrated area of small micro enterprises distributing in the region of Tianjin, this paper describes the development of strategy and thinking of PD Bank Tianjin branch in the process of developing the financial businesses about small and micro enterprises. This development strategy system includes customer group selection, product development, process optimization and risk management etc. At the same time，in order to make the development strategy implement smoothly, the study further describes and summarizes the guarantee mechanism that PD Bank Tianjin branch executes.
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