摘要随着我国经济的发展，小微业务的市场规模也迅速扩大。自2010年开始，我国商业银行间的小微业务竞争日趋激烈，“专业化”、“便捷化”、“差异化”成为小微业务发展的关键词。在国内各家商业银行中，民生银行率先将“两小”（小微、小区）列入企业战略发展的重要方向，尤其是将小微企业的金融服务列入企业战略发展的高度。并且致力于为小微企业提供优质的金融服务，为企业的长远发展奠定了重要基础。45590
本文首先说明了我国对小微企业划型标准的界定，再进一步分析了国内目前小微发展的业务内容及特点。本文重点对中国民生银行的发展历史、小微企业业务发展的现状进行研究探索，并且对民生银行小微业务在发展过程中所存在的一些问题进行了深入分析，如一些金融产品在设计的不足以及一些风险管理流程的缺陷。根据民生银行小微业务发展的现状，从产品的服务、风险的管理两个方面探索并且研究出符合民生银行特色的小微业务服务策略。希望能够有助于民生银行构建专业化和差异化的金融服务体系，形成企业核心竞争力，并为其他商业性银行在提升小微业务金融服务方面提供参考，促使小微企业向大型企业迈进。
毕业论文关键词：民生银行；小微业务；金融服务；产品；
Abstract
With the development of our economy, small business market is also expanding rapidly. Since 2010, China's commercial Banks, the small business competition between "specialization", "convenient", "differentiation" become small business development of key words. In the domestic various commercial bank, minsheng bank will take the lead in "two small" (micro, small village) in the important direction of enterprise strategy, especially the small micro enterprise financial services in the development of the enterprise strategic height. Small micro enterprise and dedicated to provide quality financial services, which lays an important foundation for the long-term development for the enterprise.
For small micro enterprise in our country at first, this paper introduces the row type standard definition of step analysis the content and characteristics of small business in China. Article focuses on the development of China minsheng banking, the small micro enterprise business development present situation and the historical evolution, the minsheng bank and existing in the development of small business financial products design and the deficiency of the risk management process carried on the thorough analysis on the problem. According to the present situation of the small business development, from two aspects of product service, risk management to explore and research out of accord with the characteristics of minsheng bank small business service strategy. Hope to be able to help minsheng bank building specialization and differentiation of financial service system, forms the enterprise core competitiveness, and for other commercial Banks in small business gold ?
Key words：China Minsheng Banking Corp；Small business；Financial services；product
目录
摘 要 I
Abstract II
一、绪论 1
1.1研究背景 1
1.2研究目的及意义 2
1.3研究内容及方法 2
二、相关概念 4
2.1小微企业的定义 4
2.2小微业务的模式 5
2.3小微业务的特点 6
三、民生银行小微业务的现状与问题 6
3.1企业的介绍 6
3.2开展小微业务的必要性 7
3.3小微业务存在的问题 8 民生银行的小微业务模式研究:http://www.youerw.com/jingji/lunwen_47091.html