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1、哈尔滨工业大学工商管理硕士学位论文AbstractChina'ssmallenterprisesplayanincreasinglyimportantroleinthedevelopmentofthenationaleconomy.Thegovernmentattachesgreatimportancetothehealthyofrapiddevelopmentsmallenterprises,hasintroducedaseriestopromotethedevelopmentofsmallenterprisestaxationandfinancialpoliciesandmeasurest
2、oconstantlyoptimizetheexternalenvironmentforthedevelopmentofsmallenterprises.Thepurposesoflocalgovernment,thedevelopmentofsmallenterprisesisthekeytosuccessadvancingsustainabledevelopmentstrategy,thedevelopmentofsmallenterprisescreditbusinessisthekeytothescientificdevelopmentofthelocalcommercialbanks
3、.HarbinBankasadevelopmentstrategyasthedevelopmentofmicro-credit,smallbusinesscreditasacorebusiness,basedlocalservicesmallcitycommercialbanks,developmentdifficultiesencounteredinthesmallenterprisescreditbusinessareconstantlyadvancing.Fromadevelopmentpointofview,thecontinuousimprovementofsmallenterpri
4、sescreditbusinessandmanagementstrategiestopromotetherapiddevelopmentofsmallenterprisescreditbusiness,itistheHarbinBankoperatesaninevitablerequirement.ThispaperhasmadeathoroughanalysisontheexistedproblemsintheoperationandmanagementforSmallenterprisescreditofHarbinBank,andpointedoutthatwiththeconstrai
5、ntsofideologicalconcept,creditmanagementsystemandexternalenvironmentforthedevelopment,itexistssomeproblemsnotsuitableforthedevelopmentofSmallenterprisescreditofHarbinBankontheaspectsofcreditmarketing,pre-loaninvestigation,post-loanmanagement,andpersonnelquality.Aimingattheexistedproblemsinthedevelop
6、mentofSmallenterprisescreditforHarbinBank,centeringonthestrategictargetandcloselycombingtheprocess,thispaperhasputforwardseveralstrategicsuggestionssuchascreditpersonnelmanagement,multi-levelmarketingbasedonthemarketsegmentation,standardpro-loaninvestigation,centralizedpost-loanmanagementandoptimizi
7、ngexternalenvironmentforthedevelopment.Inordertoensuretheeffectiveimplementationofeachdevelopmentstrategy,ithasputforwardseveralsecuritymeasuressuchasestablishingthecentralized-II-哈尔滨工业大学工商管理硕士学位论文man
