s银行小微信贷案例分析

s银行小微信贷案例分析

ID:34542640

大小:1.46 MB

页数:56页

时间:2019-03-07

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1、3.1.3Assetquality····································································243.2ProblemsandCauses···································································243.2.1homogeneityserious····························································243.2.2Special

2、izationisnotenough···················································263.2.3Creditratingsarenotstandardized···········································273.2.4lackofinnovationofsecurity··················································283.2.5LoanPricinglackofscientificmethod

3、·······································294SuggestionsonpromotingthedevelopmentofSMEs·································314.1Richproductsystem····································································314.2Talentintroductionandimplementationofperformance·············

4、···········324.3Improvetheriskmanagementsystem···············································334.4Innovativemethodsguarantee························································344.5Establishascientificrisk-basedpricingsystem····································354.6Cond

5、uctdirectbankingbusinessmodeltodealwiththeInternetfinancialiacion··36summary··························································································37References·························································································38Ackn

6、owledgements··············································································41IV万方数据摘要伴随着中国经济实力的不断增强,小微企业的概念从几年前首次进入大众视线到如今的耳熟能详深入人心,小微企业已成为促使经济发展的主力军,其在促进就业、拉动经济增长、提高政府财政收入等方面的作用不可替代。但是,小微企业的融资困境已成为其成长过程中的障碍。地方银行在发展小微信贷方面具有独特的地域和政策优势,能够为小微企业提供优质性、全方位、差异化和多层次

7、的小微金融服务。本文以S银行为例,对其发展小微信贷过程中存在的问题及建议对策进行了探讨。S银行自成立以来一直将推进小微信贷业务作为一项银行重要战略决策,并坚持立足小微,努力为其提供更多更好的金融服务。S银行在小微信贷服务方面不断创新,不断提升服务水平,支持小微企业持续快速健康发展。本文第1章绪论,对研究背景和意义、国内外学者对小微信贷的相关研究现状以及本文研究内容及方法、特色与不足进行了总结和归纳;第2章首先对S银行的整体背景进行简单介绍,即从地区生产总值、工业企业状况、人口和居民情况、金融环境等方面分析了S银行发展小微信贷的经济环境的案例

8、背景。接着对S银行的小微信贷特色产品——“小巨人”成长计划进行案例介绍。罗列了产品体系内的各项信贷产品等基本情况,并对该体系的开发原理、市场定位、营销策略和开发后的盈利进行了细致

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