关于广发银行小额贷款业务发展策略优化设计摘 要小额贷款，又称“微型贷款”。银行是把服务中心企业，提升本地经济作为自己的发展战略，担负起当地发展经济的重要作用。但是我国的银行体系不同，有四大国有支行，占据了大部分的金融市场份额。小额贷款和其他的贷款业务相比，存在一定的特殊性，在世界上很多国家被广泛应用，我国的小额贷款业务也在快速发展，是我国金融非常重要的一个构成。我国经济处于转型时期，经济形势复杂多变，商业银行小额贷款业务在面临着良好发展机遇的同时，也经受着重重困难和挑战。认真研究银行的贷款风险和风险管理模式对于发展当地经济也有着至关重要的作用。因此本文以广州市广发银行为例，对广州市广发银行小额贷款风险现状以及原因、对策进行深入的分析，期望日后对相关行业的发展提供帮助。关键词：广州市广发银行；小额贷款；风险AbstractSmall loans, also known as "micro loans". Banks regard service-centered enterprises as their own development strategy and play an important role in local economic development. However, China's banking system is different, with four state-owned branches, which occupy most of the financial market share. Compared with other loan businesses, microfinance has its own particularity. It is widely used in many countries in the world. China's microfinance business is also developing rapidly, which is a very important component of China's finance. China's economy is in a transitional period, and the economic situation is complex and changeable. While facing good opportunities for development, commercial banks'microfinance business is also facing many difficulties and challenges. Studying the loan risk and risk management model of banks is also very important for the development of local economy. Therefore, taking Guangzhou Guangfa Bank as an example, this paper makes an in-depth analysis of the current situation, causes and Countermeasures of Guangzhou Guangfa Bank's micro-loan risk, hoping to provide help ...
