CAJ | 학술논문

针对中小企业建立专营中心，这是当前银行业的新兴业务。继中小企业融资瓶颈问题被广泛关注以来，国务院银监会等政府机构也下发了一系列相关文件，中小企业事关我国经济社会稳定与持续快速发展的问题，是当前国民经济最活跃的主体。本文试图从路径优化、组织架构和制度设计的角度，分析中小商业银行在建立中小企业融资专营中心过程中，如何提升小企业金融服务的运营效率，以实现有效的专业化经营管理。
침대중소기업건립전영중심，저시당전은행업적신흥업무。계중소기업융자병경문제피엄범관주이래，국무원은감회등정부궤구야하발료일계렬상관문건，중소기업사관아국경제사회은정여지속쾌속발전적문제，시당전국민경제최활약적주체。본문시도종로경우화、조직가구화제도설계적각도，분석중소상업은행재건립중소기업융자전영중심과정중，여하제승소기업금융복무적운영효솔，이실현유효적전업화경영관리。
Building franchise centers has been a new task to which all small and medium-sized banks are facing.The State Council and CBRC has made a series of papers which require banks pay more attentions and finance to small enterprises after more and more people care about the financing bottleneck of small enterprises.So from the point of path-optimization, organizational structure and design of the system, this paper attempts to get the way to improve the operational efficiency of financial services for small enterprises, to achieve effective specialized management.