兰州农商银行小微企业“卡贷通”业务创新

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作者	盛旭霞
姓名汉语拼音	sheng xuxia
学号	2017000011422
培养单位	兰州财经大学
电话	18152126157
电子邮件	302702789@qq.com
入学年份	2017
学位类别	专业硕士
培养级别	硕士研究生
学科门类	管理学
一级学科名称	工商管理硕士(MBA)
学科代码	1251
授予学位	管理学硕士
第一导师姓名	郭晓云
第一导师姓名汉语拼音	Guo Xiaoyun
第一导师单位	兰州财经大学
第一导师职称	副教授
题名	兰州农商银行小微企业“卡贷通”业务创新
英文题名	Business innovation of small and micro
关键词	小微企业 “卡贷通”业务创新
外文关键词	Small and micro enterprises ; “Card-loan-access” ; Innovation
摘要	小微企业在国民经济中具有不可替代的作用。但是融资问题一直困扰小微企业可持续发展。近几年国家密集出台各类财政金融政策支持小微企业发展。小微企业信贷需求缺口大，市场前景广阔，但是兰州农商银行小微信贷业务面临产品少、存量小、管理差、不良高的困境。本文通过对小微企业“卡贷通”业务的创新，匹配相应的管理保障措施，在有效控制信贷风险的前提下，为兰州农商银行在激烈竞争的市场环境中积极开拓小微企业融资市场提供思路。首先，对兰州农商银行小微信贷业务进行简要介绍，对 “卡贷通”业务自身优势和缺陷及管理短板进行全面剖析，得出“卡贷通” 业务存在的问题和不足。其次，以创新理论、协同理论为基础，从拓宽线上申请渠道、创新担保模式、创新信用复审方式等 6 个方面对“卡贷通”业务进行创新优化。最后，为保障小微企业“卡贷通”业务的成功推广，提出管理优化措施，即通过借力补齐信贷贷款管理短板，为创新“无还本续贷”模式、创新信用复审方式、拓宽线上申请渠道提供基础；通过建立“贷款守约金”制度、加强贷款联保机制等风险补偿措施，为创新贷款担保模式提供可能，也为优化贷款逾期率阈值限制提供保障。
英文摘要	Small and micro enterprises play an irreplaceable role in the national economy, but the financing problem has been perplexing the sustainable development thereof. In recent years, the state has intensively issued various financial policies to support the development of small and micro enterprises. The credit demand gap of small and micro enterprises is large, and the market prospect is broad. However, the small and micro credit business of Lanzhou Rural Commercial Bank faces the dilemma of few products, small stock, poor management and high bad credit. Through the innovation of small and micro enterprises “card-loan-access” business, matching the guarantee of corresponding management measures, on the premise of effectively controlling credit risk, this paper provides ideas for Lanzhou Rural Commercial Bank to actively develop small and micro enterprise financing market in the fierce competition market environment.First of all, a brief introduction is made to the small and micro credit business of Lanzhou Rural Commercial Bank, and a comprehensive analysis is made of the advantages and disadvantages of the “card-loan-access”business as well as its management shortcomings, so as to conclude the problems and deficiencies existing in the “card-loan-access” business. Secondly, on the basis of innovation theory and synergy theory, the “card-loan-access” business is innovatively optimized from six aspects, including broadening online application channels, innovating guarantee mode, and innovating credit review methods. Finally, to ensure the successful promotion of the “card-loan-access” business of small and micro enterprises, management optimization measures are proposed, that is, to make up its short plank of credit and loan management by leveraging, and to provide a foundation for the innovation of the model of “refinancing without principal repayment”, the innovation of credit review method, and the expansion of online application channels. Risk compensation measures, such as the establishment of “money for fulfilling loan contract” system and the strengthening of loan co-guarantee mechanism, provide the possibility for the innovation of loan guarantee mode and guarantee for the optimization of loan late payment rate threshold limit.
学位类型	硕士
答辩日期	2020
学位授予地点	甘肃省兰州市
页数	52
研究方向	金融创新管理
论文总页数	52
插图总数	0
插表总数	0
参考文献总数	35
馆藏号	0004003
保密级别	公开
中图分类号	F203.9/783
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/30910
专题	兰州财经大学
作者单位	兰州财经大学-MBA中心
第一作者单位	MBA教育中心
推荐引用方式 GB/T 7714	盛旭霞 . 兰州农商银行小微企业“卡贷通”业务创新 [D]. 甘肃省兰州市. 兰州财经大学,2020.

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