【摘要】：本文首先對河南省格力地市級經(jīng)銷商批量授信客群的基本情況及A銀行的基本情況進行了具體分析,詳細介紹了目前河南省內(nèi)2000余家格力經(jīng)銷商的具體運營情況及對資金的渴求,也詳細介紹了A銀行總分行的大概情況,特別是突出了A銀行大力發(fā)展中小企業(yè)的戰(zhàn)略。然后對A銀行批量開發(fā)的現(xiàn)狀進行簡單的概述。然后對批量開發(fā)前后A銀行與格力經(jīng)銷商的合作現(xiàn)狀進行分析,具體包括:商業(yè)模式分析、準入策略、擔(dān)保方式、授信額度、業(yè)務(wù)流程操作、風(fēng)險及緩釋因素分析等。再次對該批量開發(fā)方案存在的優(yōu)勢、不足及建議進行闡述,重點說明該批量開發(fā)方案存在的不足及改進建議。最后總結(jié)格力經(jīng)銷商批量授信及對其他經(jīng)營品牌的借鑒意義。河南省格力地市級經(jīng)銷商批量授信方案的落地,突破“個體授信”的繁瑣操作,實現(xiàn)“集群授信”轉(zhuǎn)變,提高了貸款工作效率。批量授信區(qū)別于一般貸款模式典型特點,在于銀行把同種類型的小企業(yè)歸結(jié)在一起,建立起統(tǒng)一營銷和授信方式,克服了一般貸款模式下小企業(yè)數(shù)量多、分布散及流程慢的缺點,實現(xiàn)單筆操作多筆業(yè)務(wù)發(fā)展標準化運作,有效提高了工作效率。也使企業(yè)擺脫了“抵押為本”的桎梏,實現(xiàn)“信用貸款”的轉(zhuǎn)變,有效破解了小企業(yè)抵押難造成的融資困境。這對于我國中小企業(yè)的發(fā)展具有良好的促進作用。
[Abstract]:In this paper, the author firstly analyzes the basic situation of the batch credit group of Gree dealers in Henan Province and the basic situation of Bank A. This paper introduces in detail the specific operation of more than 2000 Gree dealers in Henan Province at present and their thirst for capital. It also introduces the general situation of Bank A Branch in detail, especially highlights the strategy of developing small and medium-sized enterprises in Bank A. Then a simple overview of the status of A Bank batch development. Then it analyzes the current situation of cooperation between Bank A and Gree Dealer before and after the batch development, including: business model analysis, access strategy, guarantee method, credit line, business process operation, risk and release factor analysis and so on. The advantages, disadvantages and suggestions of the batch development scheme are expounded again, with emphasis on the shortcomings and improvement suggestions of the batch development scheme. Finally, Gree dealer batch credit and other business brand reference significance. In order to break through the tedious operation of "individual credit", realize the transformation of "cluster credit" and improve the efficiency of loan work, Gree's wholesale credit scheme of Gree city in Henan Province has landed. The typical characteristic of batch credit is that the bank puts the same type of small enterprises together, establishes a unified marketing and credit mode, and overcomes the large number of small enterprises under the general loan mode. The shortcomings of distributed and slow flow can realize the standardization of single-stroke operation and multi-stroke operation, and improve the working efficiency effectively. It also makes the enterprise get rid of the shackles of "mortgage-oriented", realize the transformation of "credit loan", and effectively solve the financing dilemma caused by the difficulty of mortgage in small enterprises. This for the development of small and medium-sized enterprises in China has a good role in promoting.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F426.6;F274

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本文編號：2239724