绍兴银行小微企业信贷业务经营策略研究

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1、江苏大学工商管理硕士(MBA)学位论文微企业信贷业务的优势，获得绍兴银行应采取增长型策略(SO策略)来开展小微企业信贷业务(SO策略即利用外部机会同时，有效发挥自身优势，寻求企业长远广阔发展的策略)。再次，通过借鉴国内外其他银行在小微企业信贷业务先进经验，结合绍兴银行及绍兴地区、长三角地区经济发展现状，制定绍兴银行小微企业信贷业务发展的具体经营策略和模型，包括市场定位策略、产品设计策略、产品销售策略、风险管理策略和融资模式探索。最后，为进一步保障绍兴银行的小微企业信贷业务经营策略能得到有效实施，从调整组织机构、完善激励机制、建设人才队伍、优化审批流程、加强风险监控等方面为绍

2、兴银行的发展提供具有建设性的意见和建议。关键词：绍兴银行，小微企业，信贷业务，经营策略江苏大学工商管理硕士(MBA)学位论文ABSTRACTAfterChinaaccessiontoWTO，thebankingindustryhasopeneduptotheoutsideworldinallsections．SocitycommercialbanksinChina,whichrankinthethirdtierofthebankingindustry,suffertriplekeencompetitionfromlargestate-ownedcommercialbank，

3、large—scalejoint-stockcommercialbanksandforeignbanks，andbeargrimsurvivalanddevelopmentpressure．Becauseoftheinsufficientsituationinbrand，capitalstrength，scaleofoperationsandmanagementleveletc，citycommercialbanksarefacingtheriskofgraduallymarginalizedorevenbeingkickedoff．．Therefore，citycomme

4、rcialbanksmustseekashapeddevelopmentstrategywhichCangivefullplaytotheirownadvantages，andconductdifferentiatedcompetitioninthemarketsegments．Atthesametime，asanimportantpartofthenationaleconomy,smallandmediumenterprisesplaysanincreasinglyimportantroleintheprosperityoftheeconomy,increasingemp

5、loyment，promotinginnovation．Butitdoesnotgetenoughfinancialsuppoaandfinancialserviceswhichmatchtotheireconomicandsocialcontribution，SOmanySMEsarestillfacingthedifficultsituationinfinancingandinrecentyearsthisproblemhasbeenincreasingprominent．SoCitycommercialbanksshouldgivefullplaytotheircom

6、parativeadvantageofgeographicalinformationservicesforSMEs，andmaketheirbusinessfocusfromlargeenterprisesandcustomerstransitiontoSMEcustomers，seizethemarketsegmentofSMEcreditbusiness，carryoutmanagementstrategyofseekingspecialdemand，improvethecorecompetitivenessandenhancecorporatestrengthwith

7、thepurposeofkeepingenterprisesustainabledevelopment．’Asthefirstlocalioint．stockfinancialinstitutionsinShaoxingcity,ZhejiangProvince，similartotheotherlocalcommercialbanksrankinginthethirdtier,citycommercialbanksarefacingcompetitionandchallenges．Asthebasisoftext