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1、Abstractstructuraladjustmentofcustomers,vigorouslypromotetheinnovationoffinancialproductsandmakethecreditproductstailored,breakthemortgagedpropertyandcarryOlltheinnovationofcreditguaranteemode,optimizethecreditprocessdesigntoimprovetheabilityofcreditservices.Theseexperien
2、ceshaveanimportantinspirationandreferenceforothercommercialbanks.Ofcourse,shangdaitongisnotplainsailingindevelopmentandalsowillencounteravarietyofproblems,suchasthehiglldegreeofdependenceonthedistrict,informationasymmetryofguaranteedloans,tightliquidityinthebanking,teamme
3、mbersnotformacompleteset,customerpotentialvaluenotfullydig,intensifiedcompetitiontrend,imbalanceofregionaldevelopment.Inordertopromotetheshangdaitongdevelopmentbetter,itputforwardcountermeasuresandsuggestionstoimproveit:strengthentheselectionandmanagementofthebusinessdist
4、rict,increasethecoupletsuretyscrutiny,tofightforpolicysupportoftheCBRC,tocoordinatetheplanningofhumanresources,strengthencustomervaluecomprehensivedevelopment,takethepathofdifferentiationdevelopment,CO-ordinatethecoordinatedregionaldevelopment.Itnotonlyhasimportantstrateg
5、icsignificanceinMinshengbank’Sowndevelopment,butalsohasaprofoundsignificancetosolvethesmallandmicroenterprisesfinancingdifficultproblem,toexploresmallandmicroenterpriseimportantvalueandpromoteChina’SeconomjC.KeyWords:Smallmicroenterprisefinancing;Shangdaitong;Successfulex
6、perience;Problem;Countermeasure工工I目錄1引言?????????????????????????????一l1.1選題背景和意義??????????????????????·11.1.1選題背景????????????????????????11.1.2選題意義???????????????????????????21.2國內(nèi)外文獻(xiàn)綜述??????????????????????·21.2.1國外文獻(xiàn)綜述?????????????????????..21.2.2國內(nèi)文獻(xiàn)綜述?????????????????
7、????“31.3研究思路及方法??????????????????????-41.3.1研究思路???????????????????????”41.3.2研究方法???????????????????????·52民生銀行“商貸通”業(yè)務(wù)介紹?????????????..62.1民生銀行“商貸通”業(yè)務(wù)開發(fā)背景??????????????·62.1.1小微企業(yè)融資現(xiàn)狀????????????????????62.1.2民生銀行開展小微企業(yè)融資支持的動因????????????72.2民生銀行“商貸通”業(yè)務(wù)?????????????????
8、?112.2.1民生銀行小微金融戰(zhàn)略?????????????????··122.2.2商貸通的申辦流程???????????????????·122.3民生銀行“商貸通”業(yè)務(wù)的主要特色???