大型银行支持小微企业发展的对策研究

发布时间：2018-01-05 23:04

本文关键词：大型银行支持小微企业发展的对策研究　出处：《河北大学》2013年硕士论文　论文类型：学位论文

【摘要】：近几年，在国家不断进行经济结构调整与大型商业银行自身调整战略结构的背景下，大型银行对小微企业的关注不断加强，分别设立了小微企业部门，开发新产品解决小微企业融资问题。但是由于开展小微企业业务对于大型银行来是一项新的挑战，并不能从自身还不成熟的零售业务中汲取多少经验，从而不能形成有效的配合达到相互促进的发展。因此，研究大型银行针对小微企业的对策，使其走上可持续的发展道路，对于大型银行乃至我国经济结构调整都具有重要的意义。本文认为我国小微企业融资难的问题不同于其他国家，，有其自身的特点，在这一问题上，政府、小微企业、银行及其他金融机构等都有其可以改善的地方，任何一方面的不作为都会加剧小微企业融资难的问题，其成因可以归结为对小微企业的总体性制度供给不足。针对大型银行在支持小微企业时存在的支持力度不到位、信贷资源不均衡、模式选择不明确以及缺乏有效的专业团队、缺乏有效的运作流程、缺乏有效的风险管控能力等问题，在借鉴了富国、渣打、汇丰等银行丰富经验的基础上，不仅从宏观上提出了有重点的支持小微企业、加大对小微企业的支持力度等对策，而且还提出了改善组织结构、推进产品创新等具体措施。
[Abstract]:In recent years, the country continued to carry out the adjustment of economic structure and the large commercial banks adjust their own strategic structure under the background of large banks on Small and micro businesses focus on strengthening, were set up in the Department of Small and micro businesses, to develop new products to solve the financing problem of Small and micro businesses. But due to the development Small and micro businesses for large banks to business is a new challenge, and also not from their own retail business is not mature in absorbing much experience, which can not form an effective cooperation to promote mutual development. Therefore, the research of large banks in Small and micro businesses of Countermeasures, it embarked on the road of sustainable development, has important significance for large banks as well as China's economic restructuring.
I think China Small and micro businesses financing problem is different from other countries, has its own characteristics, the government on the issue, Small and micro businesses, banks and other financial institutions have their improvement, any omission will exacerbate the financing problems of Small and micro businesses and the causes can be attributed to the small and micro enterprises overall institutional supply shortage. Aiming at the support of Small and micro businesses when large banks support is not in place, the credit resources are not balanced, mode selection is not clear and lack of effective professional team, the lack of effective operation of the process, the lack of effective risk management capabilities and other issues, in some rich countries, Standard Chartered, HSBC and other banks based on the experience of the rich, not only focus on the support of Small and micro businesses are put forward from the macro level, to increase Small and micro businesses support measures, but also put forward to improve The organization structure, the promotion product innovation and so on concrete measure.

【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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