小微金融差异化经营分析详解.doc

本科毕业论文 内容摘要 小微企业在我国经济社会中具有特殊的重要地位，对增加就业、活跃市场、改善民生、促进经济结构调整发挥着不可替代的作用；但由于经营规模小、可抵押的固定资产少、抵御风险能力较弱等诸多因素导致小微企业存在融资难问题。 本文从差异化经营角度入手，结合小微企业的需求特征，运用SWOT分析模型等，对小微金融业务发展的宏观环境、行业环境及微观环境进行战略分析，从中得出实施小微金融差异化经营的必要性和可行性，并对民生银行小微金融差异化的核心产品小微城市合作社进行介绍。同时，以天津市新南马路五金城小微金融项目融资为例，分析了民生银行小微金融差异化经营的实际应用及实施效果，得出结论：民生银行小微金融品牌的树立和发展依赖于差异化经营。差异化经营是商业银行稳健发展的有效保证。 关键词：小微金融；差异化经营；民生银行 Abstract Small and micro enterprises play great important roles in our economic society. They are irreplaceable especially in the aspects of increasing employment, making market more active, improving peoples livelihood and promoting economic structure adjustment. However, these enterprises come across a lot of difficulties in financing, due to their small scale, few mortgage fixed assets and low risk tolerance. Based on the differential management, this paper combines with the demand features of small and micro enterprises, and completes strategy analysis. By using SWOT model to analyze the macro environment, industry environment and micro environment of the small and micro-finance business, the paper concludes the necessity and feasibility of carrying out the differential management. The paper also introduces CMBC’s core products “small and micro urban cooperatives”. Meanwhile, the article takes a small and micro financing project (Hardware City, Xin Nan Ma Road, Tianjin) as an example, analyzes the practical application and implementation effects of CMBC’s micro finance development strategy, and concludes that the establishment and development of CMBC’s brand in micro financing rely on differentiation management. That is to say, differentiation management is the effective guarantee for bank to be “ a characteristic bank and a profitable bank”. Key words：1 （一）小微企业的界定 1 （二）小微企业融资现状 2 （三）小微金融业务主要理念 3 二、小微金融发展的环境分析 3 （一）小微金融发展的宏观环境分析 3 （二）小微金融发展的行业环境分析 4 （三）小微金融发展的微观环境分析 5 三、民生银行的小微金融差异化经营——以天津市新南马路五金城为例 6 （一）小微金融差异化经营 6 （二）基于差异化经营的小微金融平台——城市商业合作社 8 （三）天津市新南马路五金城 9 （四）基于差异化经营五金城城市商业合作社的建立和经营 11 四、关于