【作者】 张乐；

【导师】 王仁志； 郭大陆；

【作者基本信息】 华中师范大学 ， 工商管理， 2012， 硕士

【摘要】 随着经济的快速发展,小微企业发展的速度也尤为迅速,在我国整个经济发展进程中扮演及其重要的战略角色,在全国所有企业的占比中,小微企业的数量占到了企业总数的99%。小微型企业为广大的劳动人民提供了无数的就业岗位,成为了增加就业的主要渠道,同时也成为了企业家创业成长的主要平台,为科技创新增添了重要力量。支持小型微型企业健康发展,对于我国经济克服国际金融危机影响、保持平稳较快发展,具有重要战略意义。商业银行在支持小微企业发展中也扮演着及其重要的角色。2011年底,由于信贷的紧缩,国务院及各地方政府非常重视小微企业的融资问题,连续出台了一系列扶持小微企业的政策和措施,目前来看取得一定的积极成效。但是更重要的还是如何解决当前小微企业的融资成本、以及难以到达融资的基本门槛等一系列困难问题。商业银行作为政策的落地和执行者,扮演着及其重要的角色,为如何进一步有效降低小微企业的融资成本、提高收益率、促进小微企业金融服务可持续发展,是眼下最为迫切解决的问题。本文通过以分析宏观经济环境为切入点,对国内小微企业无担保信用贷款(以下简称“小微信贷”)市场的现状以及未来发展趋势进行研究和预测,结合对主流商业模式、风险管理与运营技术、经营瓶颈、监管难点等问题的深入分析,找出目前制约业务发展的症结,进而从模式创新、技术创新及管理变革创新三大方向提出相应解决方案思路。全文分为六大部分：第一部分为引言；第二部分主要对小微信贷市场发展的现状做概括性介绍；第三部分重点对目前主流的小微信贷(含个人小额信用贷款)商业模式及运营技术进行分析和横向比较；第四部分则是针对广发银行开展小微信贷业务现状及其所面临的挑战和瓶颈进行分析；第五部分则是基于上述分析,系统提出适于广发银行小微信贷业务的发展规划策略、改革方向、创新思路；第六部分为总结性论述。本文的分析研究过程及结论将对目前国内银行小微信贷部门及政府相关监管部门有一定的决策参考价值,并对广‘发银行小微信贷业务的运营管理、风险管理、市场营销、人力资源管理等核心工作有具体的实践指导作用。更多还原

【Abstract】 Small and micro-enterprises have been emerging, with the reform and opening-up, and playing an increasingly critical and positive role in our nation’s economic development process. They are the main sources of employment stimulation, offering those enterprisers a big development platform and being the importance power for scientific and technical innovation. Therefore, the healthy development of the micro-enterprises should be enlisted, for it is of strategic importance for our country to overcome the impact of international financial crisis as well as keeping a steady and rapid growth.For the past few years, our government has placed great emphasis on the small and micro-enterprises’financing problems and issued a series of policies and measures to support their development, which has achieved positive results. Still, lots of problems, such as the ascending costs and financing difficulty, are prominent. How to further effectively lower costs, increase efficiency and promote the sustainable development of financing service has been an urgent issue.In this essay, the analysis of macroeconomic environment will be taken as a starting point to explore the current market of domestic unsecured loans and forcast their future development. Combining with the in-depth analysis of the major business simulation, risk management and operation techniques, development bottleneck and regulatory difficulties, the restrictions of the development of the unsecured loans will be found and then to propose a solution from the perspective of model innovation, technological innovation and management innovation. This essay will be divided into six parts. The first part is an introduction; the second part is a general introduction of the current development situation of the unsecured loans market; the third part focuses on the analysis and the comparison of the business simulation and operation techniques of the mainstream unsecured loans, including the personal loans; the fourth part is to analyze the challenges and bottleneck faced by the China Guangfa Bank when it is promoting its unsecured loans; the fifth part is to systematically propose a strategy, a reform orientation and an innovative thought for the bank’s development of the unsecured loans based on the previous analysis; the sixth part is the conclusion.The analysis process and conclusions may respectively have a reference value on the strategic decision made by the relevant domestic departments concerning about the small and micro-enterprises’unsecured loans. Meanwhile, it may provide a specifically practical direction for the bank’s core work like the operation management, risk management, marketing sales and human resources, etc.更多还原