mba論文民生銀行濟南分行小微企業(yè)信貸策略研究pdf

1、論文題目：民生銀行濟南分行小微企業(yè)信貸策略研究專 業(yè)：工商管理碩士碩 士 生：董朝暉 （簽名）指導教師：王 萍 （簽名）摘 要銀行業(yè)同業(yè)競爭的加劇促使民生銀行濟南分行不斷尋找新的利潤增長點，以“民營企業(yè)的銀行、小微企業(yè)的銀行”為經(jīng)營定位的民生銀行早在 2008 年就開始探索小微企業(yè)信貸業(yè)務并取得了一定成效，與此同時，越來也多的銀行機構加入到小微企業(yè)信貸市場中來，這是銀行追逐利益的結果，也是國家政策推動的結果。要在爭取小微企業(yè)信貸市場份額

2、中必須“知己知彼”才能“有的放矢”，因此，本文通過理論分析、調(diào)查研究、DEA 分析相結合的方法對民生銀行濟南分行的小微企業(yè)信貸業(yè)務進行了研究，實證分析的結果表明：（1）民生銀行濟南分行綜合技術效率值為 0.601，表明民生濟南分析技術效率是最優(yōu)決策單元的 60.1%，進一步的分析表明，民生銀行濟南分行需要壓縮信貸資金周轉天數(shù)，減少不良小微企業(yè)貸款比例。（2）民生銀行濟南分行純技術效率在2010-2013 年間提升很快，并自 2011 年

3、來處于樣本銀行的領先位置，表明民生銀行濟南分行金融服務技術、措施領先其他銀行。（3）民生銀行濟南分行規(guī)模效率呈現(xiàn)遞增趨勢，結合民生銀行信貸存量的情況，說明民生銀行濟南分行需要進一步增加小微企業(yè)信貸規(guī)模。導致民生銀行濟南分行信貸規(guī)模不足，貸款周轉速率低，不良貸款偏高的原因是多方面的，而信貸客戶、信貸產(chǎn)品、信貸團隊是諸多因素中最普遍、最核心的因素，本文從這三個方面進行了進一步的分析并提出信貸客戶策略、信貸產(chǎn)品策略、信貸團隊建設策略。關 鍵

4、詞：民生銀行；小微企業(yè)；信貸業(yè)務策略研究類型：應用研究Subject ： Research on The Small and Micro Businesses Credit BusinessStrategy of Minsheng Ji'nan BranchSpecialty：Master of Business AdministrationName： Dong Zhaohui （Signature）Instructor：Wan

5、g Ping （Signature）ABSTRACTThe competition among banks intensifies， and it spurs Min-Sheng Bank to looking fornew profit point constantly. “Private enterprise bank，Small and Micro businesses bank“ is itsbusiness location，

6、 Min-Sheng Bank started to explore the Small and Mirco credit business asearly as 2008 and achieved certain results. At the same time ， more and more bankinginstitutions join the competition. The study shows that:(1)The

7、overall technical efficiency value of Minsheng Ji'nan branches 0.601， it meansthat Ji'nan branch technical efficiency is 60.1% of the optimal decision unit， further analysisshows that Ji'nan branch need to co

8、mpress the credit fund turnover days， reduce the adverseSmall and micro businesses loans ratio.(2) The pure technical efficiency of Ji'nan branch ascension fast during 2010 to 2013，and since 2011 it has been the lead

9、ing position of the sample banks ， it shows that thefinancial services technology and measures of Ji'nan branch ahead of the other banks.(3) The Ji'nan branch scale efficiency increased, with Minsheng Bank Credit

10、 stocksituation， it indicates Ji'nan branch needs to further increase the small micro enterprise creditscale.Through the above analysis, we defined the problems and causes of Ji'nan branch smallmicro enterprise c

11、redit business, the corresponding improvement suggestions are proposedfrom three aspects of credit customers, credit products, credit team.Key Words： Minsheng Bank；Small and Micro Credit Businesses；Development StrategyTh