商业银行小微企业金融服务商业模式研究.PDF

Research on Business Model of SMEs’ Financial Service for Commercial Banks by Jichen Zhao A Dissertation Presented in Partial Fulfillment of the Requirements for the Degree Doctor of Business Administration Approved March 2015 by the Graduate Supervisory Committee: Hong Chen, Co-Chair Ker-Wei Pei, Co-Chair Chun Chang ARIZONA STATE UNIVERSITY May 2015 商业银行小微企业金融服务商业模式研究 赵继臣 本论文完成了工商管理博士学位 所要求的部分工作任务 2015 年3 月 通过研究生管理委员会 ： 陈宏教授 ，联席主席 贝克伟教授，联席主席 张春教授 亚利桑那州立大学 二零一五年五月 ABSTRACT The key chanllenge for Small and Micro Enterprises (SMEs) to get credit or loans is the fact that traditional financing business model in commercial banks cannot meet SMEs’ financial needs. Through extensive theoretical research, market analysis especially on SMEs’ behavioral characteristics and demands, serveral case studies on market-leading banks such as Wells Fargo and KASIKORN BANK, and the actual implementation experiences in China Minsheng Bank and Pingan Bank, this article proposes a new business model for servicing SMEs for commercial banks in China, which includes the principle and rationale of the business model, the technical foundation, business process and organizational structure, as well as the future transition of the model. Key words: Commercial Banks, Small and Micro Enterprises, Business Model i 摘要 小微企业融资难