pf银行长春分行小微企业信贷相关问题研究.pdfVIP

摘 要 摘 要 本文以 PF 银行长春分行小微企业信贷业务为研究对象，首先阐述了研究背 景、研究意义和小微企业信贷业务的相关理论；然后结合 PF 银行长春分行基本 情况，重点阐述PF银行长春分行发展小微企业信贷业务的必然性；以及PF银行 长春分行小微企业信贷业务的现状；总结 PF 银行长春分行小微企业信贷业务存 在的问题主要有：其专业化运营程度不高、风险管控能力较低、创新性金融产品 不足、贷款审批操作不规范以及信贷风险管理不规范；同时从PF银行长春分行、 小微企业和其他方面三个角度分析 PF 银行长春分行小微企业信贷业务存在问题 的原因。 针对 PF 银行长春分行小微企业信贷业务所存在的问题，本文提出如下的解 决对策：首先，提高 PF 银行长春分行小微企业信贷专业化运营水平；其次，提 升PF银行长春分行针对小微企业的风险管控能力；第三，增加PF银行长春分行 小微企业金融产品的创新能力；第四，完善 PF 银行长春分行针对小微企业的信 贷审批流程；第五，加强PF银行长春分行小微企业信贷风险控制与管理。 本文的研究过程及结论对 PF 银行长春分行小微企业信贷业务的发展具有一 定的参考作用，结合相关理论知识和实际情况，提出科学的解决对策，对于促进 PF银行长春分行小微企业信贷业务的持续健康发展具有重要的现实意义。 关键词：PF银行长春分行；小微企业；信用贷款； I Abstract Abstract Credit financing business in PF Bank branch Changchun Small and micro businesses as the research object, firstly explains the related theories of credit financing business research background, research significance and Small and micro businesses; and then combined with the basic situation of PF branch bank Changchun, focuses on the inevitability of PF bank Changchun branch of the development of credit financing business Small and micro businesses; and the status quo of credit the financing business of PF Bank branch Changchun Small and micro businesses; summarize the existing PF Changchun Bank branch Small and micro businesses credit financing business the main problems are: the professional operation level is not high, the risk control ability is low, lack of innovative financial products, do not regulate the operation of loan approval and credit risk management is not standardized; at t