民生银行“商贷通”业务研究——基于小微企业融资支持的视角

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1、Abstractstructuraladjustmentofcustomers，vigorouslypromotetheinnovationoffinancialproductsandmakethecreditproductstailored，breakthemortgagedpropertyandcarryOlltheinnovationofcreditguaranteemode，optimizethecreditprocessdesigntoimprovetheabilityofcreditservices．Theseexperien

2、ceshaveanimportantinspirationandreferenceforothercommercialbanks．Ofcourse，shangdaitongisnotplainsailingindevelopmentandalsowillencounteravarietyofproblems，suchasthehiglldegreeofdependenceonthedistrict，informationasymmetryofguaranteedloans，tightliquidityinthebanking，teamme

3、mbersnotformacompleteset，customerpotentialvaluenotfullydig，intensifiedcompetitiontrend，imbalanceofregionaldevelopment．Inordertopromotetheshangdaitongdevelopmentbetter,itputforwardcountermeasuresandsuggestionstoimproveit：strengthentheselectionandmanagementofthebusinessdist

4、rict，increasethecoupletsuretyscrutiny,tofightforpolicysupportoftheCBRC，tocoordinatetheplanningofhumanresources，strengthencustomervaluecomprehensivedevelopment，takethepathofdifferentiationdevelopment，CO-ordinatethecoordinatedregionaldevelopment．Itnotonlyhasimportantstrateg

5、icsignificanceinMinshengbank’Sowndevelopment，butalsohasaprofoundsignificancetosolvethesmallandmicroenterprisesfinancingdifficultproblem，toexploresmallandmicroenterpriseimportantvalueandpromoteChina’SeconomjC．KeyWords：Smallmicroenterprisefinancing；Shangdaitong；Successfulex

6、perience；Problem；Countermeasure工工I目录1引言⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯一l1．1选题背景和意义⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯·11．1．1选题背景⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯11．1．2选题意义⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯21．2国内外文献综述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯·21．2．1国外文献综述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．21．2．2国内文献综述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯

7、⋯⋯⋯⋯“31．3研究思路及方法⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯-41．3．1研究思路⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯”41．3．2研究方法⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯·52民生银行“商贷通”业务介绍⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．62．1民生银行“商贷通”业务开发背景⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯·62．1．1小微企业融资现状⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯62．1．2民生银行开展小微企业融资支持的动因⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯72．2民生银行“商贷通”业务⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯

8、⋯112．2．1民生银行小微金融战略⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯··122．2．2商贷通的申办流程⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯·122．3民生银行“商贷通”业务的主要特色⋯⋯⋯