对小微企业信贷业务的调查分析——以民生银行长春分行为例

Investigation and Analysis of Credit Business of Small and Micro Enterprises——Take the Changchun Branch of Minsheng Bank as an Example

在小微企业的发展过程中,其自身作为市场经济的微观组成部分,是我国社会经济发展中非常重要的内容之一。综合小微企业的发展状况可知,当前小微企业大多数是第三产业,其发展的状态非常积极,有效的活跃了市场经济的发展。2014年的相关统计数据表明,小微企业的信贷业务的开展比例,已经达到民生银行业务总量的百分之五十八左右,逐渐成为民生银行业务中的主要组成部分。这与几近持平的新增小微贷款余额相比,体现出民生银行发展小微企业信贷业务的主要趋势。民生银行服务的小微企业在下沉现象也非常明显,据相关数据统计,其单户贷款余额从300万左右下沉到160万,50万以下的微贷增长速度也很快。通过分析数据可知,尽管贷款余额没有增长,但风险分散度却在不断增加。因此,民生银行长春分行小微企业信贷业务的过程中,需要重视小微企业信贷业务开展的规模及发展的状况。

In the development of small and micro enterprises, as the micro component of the market economy, it is one of the most important contents in the social and economic development of our country. With the development of small and micro enterprises, we can see that the majority of the small and micro enterprises are third industries. The development of the small and micro enterprises is very active and effectively active the development of the market economy. In 2014, the statistics show that the proportion of credit business in small and micro enterprises has reached about fifty-eight percent of the total amount of Minsheng Bank, which has gradually become the main part of the business of Minsheng Bank. This is compared with the nearly balanced new small and micro loan balance, refl ecting the main trend of Minsheng Bank＇s development of small and micro enterprises credit business. Minsheng Bank Services small micro enterprises in the sinking phenomenon is also very obvious, according to the relevant data statistics, its single household loan balance from about 3 million to 1 million 600 thousand, less than 500 thousand of the micro loan growth rate is also very fast. By analyzing the data, we can see that although the balance of loans has not increased, the risk dispersion is increasing. Therefore, in the process of credit business of Minsheng Bank Changchun branch, we need to pay attention to the scale and development of credit business of small and micro enterprises.