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1、（商业模式）国有商业银行小微企业金融服务模式创新研究(传)国有商业银行小微企业金融服务模式创新研究以中国建设银行山西某分行为例摘要根据世界银行的统计数据，截止到2015年底，我国的小微企业占据我国企业总数的64%。小微企业的发展适应了当前我国经济的发展趋势，为我国经济发展做出了巨大的贡献，但是小微企业在我国生存却很艰难。这些生命力顽强的小微企业客户群体，是银行业金融机构群雄逐鹿的重要群体。特别是国有商业银行受规模有限、地域限制、监管严控和自身的公司治理等因素，发展小微企业更为迫切，对于小企业的融资服务模式创新需要更加及时和快速。在国内金融体制改革、金融市场化、金融脱媒等体制机制再造的变革时期，
2、如何有效地服务小微企业，做强做精区域市场，是国有商业银行迫切需要解决的问题。本文的研究分为五个部分。第一部分对本文的研究背景和意义进行了充分的论证，系统分析了当前国有商业银行发展小微企业的重要性、必要性和必然性；第二部分在对相关概念进行界定的基础上，明确了本文的研究对象小微企业的具体界定和划分，进一步对国有商业银行创新小微企业融资服务模式的动因进行了分析，为国有商业银行发展小微企业，创新小微金融服务提供理论和现实支持；第三部分以山西某地区建设银行为例，针对银行400多个小微企业客户进行了调查分析。在咨询专业机构的基础上，设计了详尽的调查问卷，并对调查结果进行了统计和分析，从基本情况、经营现状和
3、融资现状三个方面对小微企业经营特征和融资环境进行了系统分析，为小微企业融资服务模式构建提供数据支持；第四部分构建了创新性的国有商业银行小微企业融资服务模式。融资服务模式的目标是为了做大做强区域市场内国有商业银行的小微金融业务。借鉴和吸收富国银行事业部制度改革的先进经验，分行业成立行业金融部，在对行业进行深入研究的基础上，从行业规模、资产负债状况、利润率等方面综合考虑和设计金融产品，并设立专门的小微企业信贷服务部，为小微企业提供量身定制的服务；在产品结构创新方面，对于抵押担保、质押担保和信用贷款等方面进行了全面创新，并开发出具有竞争力的核心信贷产品；在资源结构优化方面，外部充分挖掘市民银行的地位
4、，整合国有商业银行在区域内的资源，内部调整人力资源管理模式，对内外部资源进行重新整合。第五部分提出国有商业银行小微企业金融创新的举措，并总结未来关于小微企业金融创新的研究展望。本文的创新主要有：（1）研究视角创新。本文结合调查分析法和案例分析法，建立小微企业融资行业特征和需求特征的调査问卷，对山西某地区400家小企业客户进行了调查，并采用基本的数理统计方法对结果进行了分析，为国有商业银行总体发展战略和业务发展思路提供了一个新的研究视角。（2）研究思路创新。本文采用调查研究、案例分析相结合的思路，构建国有商业银行小微企业融资服务模式，既是对小微企业融资模式的有益探索，也是对国有商业银行核心竞争力
5、构建的有效补充。关键词：小微企业；国有商业银行；金融创新AbstractAccording to world bank statistics, more than in the years of our country small and medium-sized enterprises occupy the total number of enterprises in our country. The development of small and medium-sized enterprises to adapt to the current trend of the developme
6、nt of economy in our country, made great contribution to the economic development of our country, but the survival of small and medium-sized enterprises in our country is very difficult. The tenacious vitality of small and medium-sized enterprise customer group, is one of the important groups highli
7、ghting Chinese banking financial institutions. Especially the city commercial bank limited, regional restrictions, regulatory scrutiny and their corporate governance factors, such as the development of small micro enterprise more urgent, for small businesses financing service mode innovation needs t
8、o be more timely and quickly. In the domestic financial system reform, financial liberalization and financial disintermediation institutional reengineering revolution period, how to effectively service for small and medium-sized enterprises, and stronger to do fine regional markets, is the city comm
9、ercial bank is an urgent need to solve the problem.service mode are analyzed, and small micro enterprises to the development of the city commercial Banks innovation small micro financial services to provide theoretical and practical support; The third part of the construction bank in jincheng area a
10、s an example, according to bank of more than two thousand small micro enterprise customer has carried on the investigation and analysis. In hire professional consultants, on the basis of detailed questionnaire was designed, and has carried on the statistics and analysis of the results of the survey,
11、 from the basic situation, the management present situation and the financing situation of small micro enterprise business characteristics and systematically analyzes the current financing environment, for small micro enterprise financing model building to provide data support; The fourth part const
12、ructs the innovative city commercial Banks small micro enterprise financing mode. Financing service mode of the goal is to become bigger and stronger regional market inner city firm small micro financial business. Draw lessons from and absorbs the advanced experience of minsheng bank division system
13、 reform, set up industry finance, in the industry, on the basis of in-depth study, from the industry scale, balance sheets, profit margins and so on comprehensive consideration and design of financial products, and set up a special small micro enterprise credit service, and provide customized servic
14、es to small enterprises; Innovation in product structure, to mortgage, pledge, and credit loan and so on has carried on the comprehensive innovation, and develop a long xiang borrow the competitive core credit products such as; In terms of resource structure optimization, external tap citizens bank
15、status, integration of city commercial Banks in the areas of resources, internal adjust the human resource management models, to integrate internal and external resources. The fifth part puts forward small micro enterprise financial innovation in state-owned Banks, and summarizes the future prospect
16、 of research on small micro enterprise financial innovation.This articles innovation mainly include: (1) the research Angle of view. Based on the investigation analysis and case analysis, the establishment of small and medium-sized enterprise financing industry features and requirements of the former questionnaire, surveyed the jincheng area 400 small enterprise customers, and USES the basic method of mathematical statistics are an
