商业银行小微贷款产品发展战略研究
毕业论文关键词：商业银行； 小微贷款； 中信银行； Pos贷
Abstract
Small micro enterprise active in the field of the most intense market competition, is to promote entrepreneurship, employment, increase their income, the active force, is the main body of market economy and the microcosmic basis of market system, plays a decisive role in market economy, etc. But small micro enterprise development bottleneck is the lack of funds, it is difficult to get a bank loan to support, but the good news is that countries have introduced a series of supporting policies and financial, commercial Banks to small micro enterprise loan directional loose policy has been implemented. Commercial Banks have launched features small micro loan products among them, citic bank launched with pos machine running water the pos credit unsecured loan products especially commendable. This article through to the citic bank Pos credit products and other Banks, small loan product comparison and research, summed up the Pos credit products now and the advantages of small loans to study the problems existing in the development of products, development of small micro loan products for the commercial Banks provide new train of thought and reference.
Key words：Commercial Banks； Small loans； China citic bank； Pos credit
目 录
摘 要 I
Abstract II
一、文献综述 1
（一）小微企业融资难的原因 1
（二）发展小微企业信贷产品对商业银行的作用和意义 3
（三）小微企业信贷业务发展存在的问题 3
二、商业银行小微贷款产品市场现状分析 4
（一）我国小微贷款产品市场发展简况 4
（二）小微贷款产品现状介绍 5
（三）目前小微贷款产品发展中存在的问题 5
三、中信银行Pos贷产品展示与评价 7
（一）中信银行Pos贷产品介绍 7
（二）中信银行Pos贷产品评价 7
四、Pos贷与市场同类产品对比分析 8
（一）贷贷平安和商贷通产品简介 8
（二）Pos贷与贷贷平安和商贷通的对比分析 9
五、我国商业银行小微贷款产品发展战略 10
（一）Pos贷产品中可资借鉴的经验 10
（二）我国商业银行小微贷款产品发展方向及建议 11
参考文献 14
我国商业银行小微贷款产品发展战略研究
——以中信银行Pos贷产品为例
小微贷款由英文单词micro-finance翻译得到，以本国GDP的一到三倍范围的贷款是国际通常认可的小微贷款标准。
我国小微企业贷款的额度一般为1000—1000万元。商业银行的小微贷款产品是指商业银行推出的针对小微企业的经营类贷款产品。它往往与小微企业的发展紧密联系在一起。小微企业大多在市场竞争最激烈的部分竞争生存，它们大多从事第三产业，为提高我国国民收入、解决创业问题提供了重要保障。然而严重限制小微企业发展的瓶颈就是融资难的问题，小微企业主因为条件所限毫无疑问地受到债券股票等直接融资渠道的制约，也因为信用低下，很多商业银行不愿意把贷款给小微企业。
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