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论文编号：	9599
作者编号：	2120152586
上传时间：	2017/12/7 17:50:32
中文题目：	MS银行天津分行小微金融业务发展借鉴与策略研究
英文题目：	Research on the development of small and micro financial business of MS bank Tianjin branch
指导老师：	张耀伟
中文关键字：	小微企业；小微金融；SWOT分析；主办银行
英文关键字：	Small and micro enterprises; Small micro finance; SWOT analysis; Host bank
中文摘要：	中央提出经济发展“新常态”，并作出一系列重大部署，就是要通过构建经济发展新模式，释放实体经济的活力。动态的看，改革的过程必然要经历经济结构由均衡到失衡再到均衡的过程，在改革的“增速换挡”期，中国经济面临着产业升级、人口红利递减、出口竞争力下降等一系列问题，如何顺利解决这些问题，实现经济的长远发展，这需要有效开发利用劳动力资源、依靠技术创新。为此，李克强总理提出了“大众创业、万众创新”口号，并在财政和税收政策上鼓励创新创业。在国家政策的支持下，一大批小微企业如雨后春笋般出现，为中国的经济注入了活力。相关数据显示，截止2013年底，占企业总数94%的4436.29万户小微企业，为中国贡献了约60%的GDP，超过50%的税收，创造了将近75%的新增城镇就业机会。 因此，小型微型企业是我国经济发展的重要力量，如同人体分布广泛的毛细血管为人体的微循环保驾护航，小型微型企业在增加税收、解决就业、维护社会稳定和缓解金融风险等方面发挥着中流砥柱的作用。与此同时，小微企业对于微观金融市场也有重要作用。转型期经济结构的变迁，使银行业在新旧常态转换中面临多重失衡。表现在：一是利润增速下滑，中国经济结构的转型，使得中国经济增速放缓，这导致实体经济出现疲软，而这为银行的贷款回收带来很大的压力，违约风险空前膨胀，导致银行稳健性失衡。二是利率市场化情况下盈利能力下降，利率市场化使得商业银行的净息差收窄，同时由于很多非银行金融企业开展同类业务，网络金融，互联网金融不断渗透并在人们的生活中发挥着越来越重要的作用，商业银行必须要做出改变，金融创新面临挑战带来的盈利性失衡。三是金融脱媒压力空前，互联网和大数据的使用，为资金的供给和需求方带来很多便利，他们不用通过银行来实现资金的转移，各种资金使用app以更低的成本，为资金的供给者和需求者牵线搭桥，完美的避开了银行，使得商业银行面临市场竞争失衡。四是银行业管理体系传统，精细化管理能力面临挑战带来的管理能力失衡。与此同时，根据《中国银行业发展报告(2016)》显示，截至2014年末，商业银行当年累计实现净利润1.55万亿，同比增长9.1%，结束了商业银行一直保持的两位数以上的增长速度，2015年商业银行的盈利空间继续压缩，净利润同比增长跌至2.5%。尽管银行业整体效益不佳，但是主攻地方小微金融的城市商业银行比如浙江泰隆银行的利润却实现了增长。同时，通过对美国富国银行的案例研究我们也可以发现，在面对美国2008年金融海啸时，富国银行依靠社区银行的发展战略，成功躲过经济危机，不仅没有像其他大型投资银行纷纷倒闭，而且利润实现了前所未有的增长，一跃成为美国第二大银行。由此可见，小微金融在缓解银行经营风险，增加银行利润收入，提升银行竞争力等方面发挥了重要作用。小微金融是银行未来发展的蓝海。宏观的政策和微观的行业发展动态都显示了小微企业的价值，因此，致力于小微企业的发展，是商业银行未来改革发展的重要方向。作为小微金融的先行者，MS银行在2009年2月正式启动小微金融战略，八年如一日，MS银行不断创新金融产品，提高服务质量，并以改善小微企业生存的金融环境为己任，截至2016年底，累计为300万小微客户发放贷款1.8万亿，引领小微金融行业发展。这其中收获了很多成功的喜悦，同时积累了很多经验教训。是MS银行第18家开业的一级分行，在天津辖区拥有29家支行和一家二级分行，服务能力覆盖天津主要城区、郊县和滨海新区。成立13年来，MS银行天津分行秉承MS银行“服务大众，情系MS”的发展理念，努力践行MS银行小区、小微“两小”战略，坚持为天津居民、小微企业和高端客户提供优质服务， 截至2016年底，累计为小微客户提供贷款500亿元，贷款余额54.55亿，吸收存款余额20.08亿，服务小微客户数78666人，得到了客户的广泛好评。MS银行天津分行小微金融业务发展水平代表MS银行的平均水平。 　　　本文以MS银行天津分行小微金融业务发展情况作为研究对象，通过大量阅读文献资料了，对于小微金融领域的相关概念和理论有了较为深入的理解，了解了小微企业的特点，小微金融的基本概念，并对小微融资理论和小微融资渠道进行了理论阐述，理论的研究是为了更好的指导实践。结合自己在该岗位的工作经验，对于MS银行天津分行小微金融业务的现状进行了深入分析，在对现状分析的基础上，发现了其现行小微金融模式存在资产质量下降、小微业务增长缓慢、产品同质化严重、小微业务成本高效率低等四个问题，并找到了形成这些问题的原因。通过借鉴美国富国银行、西班牙桑坦德银行、泰国开泰银行，中国招商银行、兴业银行、中信银行、泰隆银行、MS银行深证分行小微金融业务发展经验，针对发现的问题和形成问题的原因为MS银行天津分行未来发展提出了相关对策，同时也为其他商业银行小微金融的发展提供了参考借鉴。总之，伴随经济的不断发展，小微金融业务领域也会发生很多变化，因此，小微金融是个常提常新的问题，MS银行天津分行要充分了解小微客户需求，不断创新小微金融产品和业务模式，更好的为天津地区小微金融客户服务，树立民生银行良好的品牌，赢得天津小微企业的信赖。
英文摘要：	The central government has put forward the "new normal" of economic development and made a series of major deployments to unleash the vitality of the real economy by building a new model of economic development. Dynamic, the reform must experience the process of the economic structure from balance to imbalance and then to a balanced process, in the reform of "growth shift" period, China's economy is faced with industrial upgrading, demographic dividend decreasing, exports less competitive and so on a series of problems, how to solve these problems, to achieve the long-term development of economy, it needs effective exploitation and utilization of labor resources, rely on technological innovation. To this end, premier li keqiang has put forward the slogan of "mass entrepreneurship and innovation" and encouraged innovation and entrepreneurship in fiscal and tax policies. With the support of national policies, a large number of small and micro businesses have sprung up to inject vitality into China's economy. Relevant data show that by the end of 2013, 94% of the total number of enterprises, 44.3629 million small micro enterprises in China accounted for about 60% of GDP, more than 50% of the tax, created nearly 75% of new urban jobs. Therefore, small micro enterprises are an important force in China's economic development, like the human body is widely dispersed capillaries is the escort of the human body microcirculation, small miniature enterprise in tax increases, solving the employment, maintaining social stability and ease financial risks are a mainstay play a role. At the same time, small and micro enterprises also play an important role in micro financial market. The transition of economic structure in transition has caused the banking industry to face multiple imbalances in the transformation of old and new normal. Displays in: one is the decline in profit growth, China's economic structure transformation, making China's economic growth is slowing, which leads to the real economy weakening, which bring a lot of pressure for bank loan recovery, an explosion of default risk, causing Banks robustness imbalances. Second, the interest rate marketization cases profitability decline, the marketization of interest rate makes the commercial bank's net interest margin narrowed, because many non-bank financial companies to carry out the same kind of business at the same time, the network financial, Internet financial penetration and in people's life plays a more and more important role, commercial Banks have to make a change, financial innovation challenges of for-profit imbalances. Three is a financial disintermediation unprecedented pressure, the Internet and the use of big data, for the supply of money and the demand side to bring a lot of convenience, they don't realize the transfer of money by bank, various use APP at a lower cost of funds, to facilitate suppliers and demanders of funds, perfect away from the bank, makes commercial Banks face competition in the market imbalances. Fourth, the management system of the banking system is traditional, and the management ability of refined management is unbalanced. At the same time, according to the Chinese banking development report (2016) show that as of late 2014, the commercial bank that the cumulative net profit of 1.55 trillion, up 9.1% from a year earlier, the end of the commercial bank has maintained double-digit growth, in 2015, the commercial bank profit margins continue to compression, net profit year-on-year growth fell to 2.5%. Although the overall performance of the banking industry is not good, the profits of the city commercial Banks, such as zhejiang telon, have grown. At the same time, through the case study of Wells Fargo we can also found that, in the face of the United States in 2008 when the financial tsunami, Wells Fargo, relying on the development strategy of community Banks, sailed through the economic crisis, not only like no other big investment Banks have closed down, and the profit achieved unprecedented growth, become the second largest us Banks. Therefore, small and micro finance plays an important role in alleviating the risk of bank operation, increasing the profit income of the bank and improving the competitiveness of Banks. Small and micro finance is the blue sea that the bank develops in the future. The macro policy and micro industry development dynamics show the value of small and micro enterprises, therefore, the development of small and micro enterprises is an important direction for the future reform and development of commercial Banks. As a pioneer of small micro finance, MS bank launched in February 2009, small micro financial strategy, eight years, MS bank financial products innovation, improve the quality of service, and to improve the financial environment of small micro enterprise survival as own duty, by the end of 2016, accumulative total of 3 million 1.8 trillion, make loans to small customers to lead small micro financial industry development. There was a lot of success and a lot of lessons learned. It is the first branch of the bank of MS bank, which has 29 branches and a secondary branch in the tianjin district, covering the main urban areas, suburban counties and binhai new area of tianjin. Set up 13 years, adhering to the MS MS bank tianjin branch bank "serve the public, sympathised with MS" concept of development, fulfill MS bank, small micro "two small" strategy, adhere to the residents of tianjin, small micro enterprises and high-end customers to provide quality services, by the end of 2016, provide loans for small customers, amounting to 50 billion yuan loan balance of 5.455 billion, absorb deposits totaled 2.008 billion, small customer service number 78666, obtained the customer's wide acclaim. The development level of the small micro finance business in the tianjin branch of MS bank represents the average level of MS bank. Based on the MS small micro financial business development bank tianjin branch as the research object, through a lot of reading literature, for small micro finance related concepts and theories have a thorough understanding, understanding the characteristics of the small micro enterprises, the basic concept of small micro finance, and the small micro finance theory and micro financing channels in theory expounded, theory research is in order to better guide the practice. With his experience working in the post, for MS bank tianjin branch small micro deep analysis on the current situation of financial business, on the basis of analyzing the present situation, discovered the existing asset quality decline in current small micro financial models, small business growth slow, serious product homogeneity, small business cost low efficiency of four questions, and find out the reason of the formation of these problems. By drawing from Wells Fargo, Spain's banco santander, Thailand kaitai bank, China merchants bank, industrial bank, citic bank, tyrone Banks, MS bank shenzhen branch small micro financial business development experience, to discover the cause of the problem and the formation of the MS bank tianjin branch for the future development put forward some countermeasures, as well as other commercial Banks to small micro financial development provides a reference model. In a word, along with the continuous development of economy, small micro financial business will also have a lot of change, therefore, small micro finance is often mentioned often new problems, MS bank tianjin branch to fully understand the small customer needs, innovative small micro financial products and business model, better for tianjin area small micro financial customer service, to establish a good brand, minsheng bank win the trust of small micro enterprise in tianjin.
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