建设银行某分行小微金融服务水平研究

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1、工商管理硕士学位论文AbstractWiththefurtherdevelopmentofChina’Smarketeconomysystemreform，smallandmicroenterprisesplayanincreasinglyimportantroleinpromotingeconomicgrowth，maintainingsocialstability，promotingscientificandtechnologicalinnovation，andgivingfullplaytothemarketeconomyvigor．Butinrecent

2、years，smallandmicroenterprisessufferedorbothinternalandexternaleconomicimpacts．Challengessuchasthefinancialcrisis，theRMBappreciationpressureandtheriseoflaborfactorpriceshaveledtoalargenumberofoperationdifficultiesinsmallandmicroenterprises，especiallythetensionofcapitalchains．Inordert

3、oovercomethedifficulties，thosesmallandmicroenterprisesmustrelyonstrongfinancialsupport．Basedonthissituation，thegovernmenthasattachedgreatimportancetothedevelopmentofsmallandmicroenterprises．Atthesametime，China’Scommercialbanksarefacedwithmultiplechallengesfrombothmacroandmicrolevel．F

4、orexample，marketizationofinterestratedirectlynarrowsbanks’netinterestspread。financialdisintermediationdecreasesthecreditdemandofthebanks’high．qualitycustomer；thefiercecompetitionfrombothinsideandoutsidefinancialindustrymakesthebank’Sprofitmarginsfurthercompressed．Commercialbanksarefo

5、rcedtofocusonmoresegmentalobjectsandlookingfornewprofitgrowingpoint．Thehugemarketcapacityofsmallandmicrofinancialservicesprovidesanewthoughtofstrategictransformationforthebanks．Thisarticletakesthesmallandmicrofinancialservicesastheresearchobject．providedbyacertainbranchof℃hinaConstru

6、ctionBank(CCB)．WeappliedboththeoreticalandempiricalmethodtoanalyzewhyandhowcommercialbanksshoulddeveloDsmaIlandmicrofinancialservices．Firstofall，employedtheoriesofeconomiesofscale，monopolycompetitionandindustrialclustertoanalyzetheadvantagesandtrendforcommercialbankstoprovidesmalland

7、microfinancialservices．Secondly，thisarticleexpoundedthepresentsituationandthemainproblemsaboutsmallandmicrofinancialservicesoflhisCBSbranch，andevaluatedthebranche’Ssmallandmicro．financialservicesfromthreeaspectsofthebreadth：depthandefficiency，drawingtheconclusionthatthecapabilityinth

8、isbranchtopr