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，andgivingfullplaytothemarketeconomyvigo

2、r．Butinrecentyears，smallandmicroenterprisessufferedorbothinternalandexternaleconomicimpacts．Challengessuchasthefinancialcrisis，theRMBappreciationpressureandtheriseoflaborfactorpriceshaveledtoalargenumberofoperationdifficultiesinsmallandmicroenterprises，especiallythetensi

3、onofcapitalchains．Inordertoovercomethedifficulties，thosesmallandmicroenterprisesmustrelyonstrongfinancialsupport．Basedonthissituation，thegovernmenthasattachedgreatimportancetothedevelopmentofsmallandmicroenterprises．Atthesametime，China’Scommercialbanksarefacedwithmultipl

4、echallengesfrombothmacroandmicrolevel．Forexample，marketizationofinterestratedirectlynarrowsbanks’netinterestspread。financialdisintermediationdecreasesthecreditdemandofthebanks’high．qualitycustomer；thefiercecompetitionfrombothinsideandoutsidefinancialindustrymakesthebank’

5、Sprofitmarginsfurthercompressed．Commercialbanksareforcedtofocusonmoresegmentalobjectsandlookingfornewprofitgrowingpoint．Thehugemarketcapacityofsmallandmicrofinancialservicesprovidesanewthoughtofstrategictransformationforthebanks．Thisarticletakesthesmallandmicrofinancials

6、ervicesastheresearchobject．providedbyacertainbranchof℃hinaConstructionBank(CCB)．WeappliedboththeoreticalandempiricalmethodtoanalyzewhyandhowcommercialbanksshoulddeveloDsmaIlandmicrofinancialservices．Firstofall，employedtheoriesofeconomiesofscale，monopolycompetitionandindu

7、strialclustertoanalyzetheadvantagesandtrendforcommercialbankstoprovidesmallandmicrofinancialservices．Secondly，thisarticleexpoundedthepresentsituationandthemainproblemsaboutsmallandmicrofinancialservicesoflhisCBSbranch，andevaluatedthebranche’Ssmallandmicro．financialservic

8、esfromthreeaspectsofthebreadth：depthandefficiency，drawingtheconclusionthatthecapabilityinthisbranchtopr