经济学专业+关于广发银行小额贷款业务发展策略优化设计.pdfVIP

广东工业大学 华立学院 本科毕业设计（论文） 关于广发银行小额贷款业务进展策略优化设计 论文题目 关于广发银行小额贷款业务进展策略优化设计 系 部 经济学部 　 专 业 经济学 班 级 15经济学4班 学 号 511516020012 学生姓名 蔡伟杰 导教师 林东南 摘 要 小额贷款，又称“微型贷款”。银行是把服务中心企业，提升本地经济作为自己的进展战略，担 负起当地进展经济的重要作用。但是我国的银行体系不同，有四大国有支行，占据了大部分的金融 市场份额。小额贷款和其他的贷款业务相比，存在一定的特别性，在世界上很多国家被广泛应用， 我国的小额贷款业务也在快速进展，是我国金融非常重要的一个构成。我国经济处于 型时期，经 济形势复杂多变，商业银行小额贷款业务在面临着良好进展机遇的同时，也经受着重重困难和挑战 。专注研究银行的贷款危险和危险治理模式对于进展当地经济也有着至关重要的作用。因此本文以 广州市广发银行为例，对广州市广发银行小额贷款危险现状以及原因、对策进行深入的分析，期望 日后对相关行业的进展提供帮助。 关键词 ：广州市广发银行；小额贷款；危险 Abstract Small loans, also known as micro loans. Banks regard service-centered enterprises as their own development strategy and play an important role in local economic development. However, Chinas banking system is different, with four state-owned branches, which occupy most of the financial market share. Compared with other loan businesses, microfinance has its own particularity. It is widely used in many countries in the world. Chinas microfinance business is also developing rapidly, which is a very important component of Chinas finance. Chinas economy is in a transitional period, and the economic situation is complex and changeable. While facing good opportunities for development, commercial banksmicrofinance business is also facing many difficulties and challenges. Studying the loan risk and risk management model of banks is also very important for the development of local economy. Therefore, taking Guangzhou Guangfa Bank as an example, this paper makes an in-depth analysis of the current situation, causes and Countermeasures of Guangzhou Guangfa Banks micro-loan risk, hoping to provide help for the development of related industries in the f