利率市场化背景下商业银行小微金融的实践研究——以中国民生银行为例-国际商务专业论文.docxVIP

PAGE PAGE 5 摘 要 小微企业融资问题是国际性难题。小微企业市场资源丰富、发展潜力巨大， 择优扶持小微企业客户、大力发展小微企业金融业务不仅仅是响应国家政策号召 和服务于经济长远发展的要求，更是商业银行适应市场变化、突破发展瓶颈、拓 展发展空间的必然选择。 本文从商业银行的角度，系统分析和归纳小微企业金融服务的相关问题，借 鉴国际上小微金融服务机构的成功经验，从宏观、中观、微观多个角度逐步分析 我国商业银行开展小微金融业务以及中国民生银行的处境，运用 PEST 模型、波 特五力模型、SWOT 分析、SP·R·RE（Strategic Position·Resources·Resources Exploitation 即：战略定位、资源状况、资源运用）战略分析框架等工具，结 合民生银行小微金融 2.0 业务实践，从组织架构、产品创新、营销模式、风险管 理等方面分析保障战略实施的一系列措施，总结了一套具有理论性和可操作性的 小微企业金融服务发展战略和实际运用。 在环境分析中，本文研究了利率市场化和互联网金融对商业银行小微金融业 务的影响，二者都加剧了商业银行的竞争程度，削弱了其对上下游的议价能力。 最后，总结提出聚焦差异化的战略定位和资源整合的理念，民生银行定位于 为小微企业提供差异化服务，通过内部外部整合，实现了其竞争优势。 关键词：小微金融，中国民生银行，利率市场化 Abstract Small-and micro-enterprises (SMEs) financing is a worldwide problem. SMEs have the feature of abundant market resources and a huge development potential. It is not only the requirements of the national policy on long-term economic development, but also the inevitable choice for commercial banks to adapt to market changes, to break development bottlenecks and to expand the development space with a view to supporting SMEs of good performance and developing SME financial services. From the perspective of commercial banks, the paper analyses the related issues on SMEs financial services systematically. Based on learning from the successful experience of international SMEs financial service institutions, the paper examines the environment of commercial banks’ SMEs financial services and China Minsheng Banking Corp (CMBC) from the macro, meso and micro perspectives. By using the frameworks and tools such as PEST model, Porters five forces model, SWOT analysis, SP ? R ? RE（Strategic Position·Resources·Resources Exploitation ） strategic analysis, combined with CMBC SMEs Finance 2.0 business practices, the paper evaluates a series of measures to safeguard the implementation of the strategy, from the organizational structure, product innovation, marketing model, risk management, and sums up the strategy of SMEs financial services development and practical application. In envi