pf银行长春分行小微企业信贷相关问题研究

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1、摘要摘要本文以PF银行长春分行小微企业信贷业务为研究对象，首先阐述了研究背景、研究意义和小微企业信贷业务的相关理论；然后结合PF银行长春分行基本情况，重点阐述PF银行长春分行发展小微企业信贷业务的必然性；以及PF银行长春分行小微企业信贷业务的现状；总结PF银行长春分行小微企业信贷业务存在的问题主要有：其专业化运营程度不高、风险管控能力较低、创新性金融产品不足、贷款审批操作不规范以及信贷风险管理不规范；同时从PF银行长春分行、小微企业和其他方面三个角度分析PF银行长春分行小微企业信贷业务存在问题的原因。针

2、对PF银行长春分行小微企业信贷业务所存在的问题，本文提出如下的解决对策：首先，提高PF银行长春分行小微企业信贷专业化运营水平；其次，提升PF银行长春分行针对小微企业的风险管控能力；第三，增加PF银行长春分行小微企业金融产品的创新能力；第四，完善PF银行长春分行针对小微企业的信贷审批流程；第五，加强PF银行长春分行小微企业信贷风险控制与管理。本文的研究过程及结论对PF银行长春分行小微企业信贷业务的发展具有一定的参考作用，结合相关理论知识和实际情况，提出科学的解决对策，对于促进PF银行长春分行小微企业信贷业

3、务的持续健康发展具有重要的现实意义。关键词：PF银行长春分行；小微企业；信用贷款；IAbstractAbstractCreditfinancingbusinessinPFBankbranchChangchunSmallandmicrobusinessesastheresearchobject,firstlyexplainstherelatedtheoriesofcreditfinancingbusinessresearchbackground,researchsignificanceandSmallan

4、dmicrobusinesses;andthencombinedwiththebasicsituationofPFbranchbankChangchun,focusesontheinevitabilityofPFbankChangchunbranchofthedevelopmentofcreditfinancingbusinessSmallandmicrobusinesses;andthestatusquoofcreditthefinancingbusinessofPFBankbranchChangch

5、unSmallandmicrobusinesses;summarizetheexistingPFChangchunBankbranchSmallandmicrobusinessescreditfinancingbusinessthemainproblemsare:theprofessionaloperationlevelisnothigh,theriskcontrolabilityislow,lackofinnovativefinancialproducts,donotregulatetheoperat

6、ionofloanapprovalandcreditriskmanagementisnotstandardized;atthesametime,theanalysisofcreditfinancingbusinessofbankPFbranchChangchunSmallandmicrobusinessesfromthreeanglesofPFChangchunBankbranch,Smallandmicrobusinessesandotherproblemsoftheoriginal.ForthePF

7、BankbranchChangchunSmallandmicrobusinessescreditfinancingproblems,thisarticleputsforwardsomecountermeasuresasfollows:first,toimprovethePFBankbranchChangchunSmallandmicrobusinessescreditprofessionaloperationlevel;secondly,toenhancethePFChangchunBankbranch

8、inSmallandmicrobusinessesriskcontrolability;third,increaseofPFChangchunsmallbranchbankmicroenterprisefinancialproductinnovationability;fourth,improvethePFBankbranchinChangchunSmallandmicrobusinessescreditapprovalprocess;fi