哈尔滨银行小微企业贷款业务问题分析及对策-毕业论文.docx

PAGE PAGE 1 哈尔滨银行小微企业贷款业务问题分析及对策 摘 要 目前，随着社会主义经济的不断发展，小微企业的数量逐年增加并呈上升趋势，小微企业的出现不仅为就业做出了巨大的贡献，更是经济发展的长远力量，因此就更加需要长期连续的资金支持，虽然现在小微企业的融资渠道广泛，但中小商业银行仍是他们的主要选择对象。就目前而言，很多小微企业仍存在着贷款难的问题，这个问题就大大影响了小微企业的长久发展。本文以哈尔滨银行为例，根据风险管理理论，通过对哈尔滨银行小微企业贷款业务的分析，总结出哈尔滨银行小微信贷所存在的问题并提出解决对策，促进哈尔滨地区小微企业继续快速发展。 哈尔滨银行作为全国第一家收购行政区域内城市信用社，设立县域分支机构的城市商业银行，以国际先进银行为标准，狠抓基础，完善规章，强化信贷管理，有效及时的规避风险。这些有利条件更加为哈尔滨地区小微企业带来了福利，从一定程度上帮助小微企业解决了一部分资金问题。 但正是因为银行对小微企业贷款的放宽，银行本身却出现了或多或少的问题，导致不良贷款的产生致使银行损失严重，本文就针对哈尔滨银行对小微企业贷款问题做出相关分析研究。 关键词：商业银行；小微企业；贷款业务 PAGE II PAGE II Analysis and countermeasures of small and micro enterprises loan business of Harbin bank Abstract At present,with the continuous development of socialist economy the number of small and micro businesses has increased year by year and continues to rise.The emergence of small and micro businesses has not only made a great contribution to employment ,but also contributed to the long-term economic development.As a result,it needs more long-term continuous financial support.Although the financing channels of small and micro enterprises are extensive,small and medium-size commercial Banks are still the objects of their choice.For the time being,many small and micro businesses still have the problem of difficult loans,it affects the development of small and micro enterprises.This paper takes Harbin bank as an example according to risk management theory and through the analysis of Harbin bank’s small and micro enterprises loan business.Summarize its problems and propose solutions and promote the rapid development of small and micro enterprises in Harbin. Harbin bank is the first city commercial bank in China to acquire the city credit cooperative in the administrative region and set up the branch office in the country.Take the international advanced bank as the standard,pay close attention to the foundation,perfect the regulation,strengthen the credit management,avoid the risk in time.These favorable conditions have brought benefits to Har