中小商业银行创新服务小微企业：机理、现状与阻碍

发布时间：2018-01-06 06:22

本文关键词：中小商业银行创新服务小微企业：机理、现状与阻碍　出处：《中央民族大学》2013年硕士论文　论文类型：学位论文

【摘要】：小微企业在经济社会发展中扮演着非常重要的作用。但由于小微企业风险程度较高且缺乏必要的抵质押物,公司治理也不规范,商业银行给予小微企业的关注通常不足,这显然会对小微企业的发展产生不利影响；与此同时,中小商业银行运营空间业已受到挤压,传统的与大型商业银行竞争的运营理念已经不合时宜,转型发展问题日趋紧迫,即中小商业银行迫切需要寻找到新的、适合自己特点的运营模式。出于对上述两个方面问题及当前我国中小商业银行服务小微企业规模有待扩大之现状的系统思考,本研究提出了如何促进中小商业银行创新服务小微企业这一科学问题。具体来说,本研究的内容主要包括：首先,本文对中小商业银行创新服务小微企业的内在机理展开了理论探讨和实证检验。其次,本文对境内外中小商业银行创新服务小微企业的现状进行了介绍和比较,并在此基础上简要阐述了我国中小商业银行创新服务小微企业的不足。再次,本文通过理论分析、问卷调查、访谈等多种手段,系统总结、分析了我国中小商业银行创新服务小微企业过程中遇到的阻碍因素及其深层原因。最后,本文针对各类阻碍因素及其形成的深层原因,运用经济管理学科相关知识,就如何提出更有‘针对性和实践操作指导价值的对策建议展开了必要探讨。研究主要取得了以下三点结论：其一,中小商业银行创新服务小微企业具有天然优势和必然性。其二,我国中小商业银行创新服务小微企业已现端倪,但与发达国家相比差距明显。其三,阻碍中小商业银行创新服务小微企业的因素主要涉及到政策环境层面、成本控制层面、协同创新层面、银行自身经营管理层面以及专业人才层面等,相关因素形成之深层原因分析则可以从政府部门、中小商业银行自身以及其他机构等主体的行为特征角度展开。相对于以往相关领域的研究,本研究并未就中小商业银行一般性经营行为、风险等老生常谈的问题泛泛展开,而是将如何促进中小商业银行更好地创新服务小微企业设定为本研究的终极客体,较好地抓住了当前的理论研究热点和实践难点问题,体现了本文在研究对象上的突破性；同时在研究过程中,广泛应用访谈和问卷调查等研究方法,获取了丰富的一手资料,不仅提升了研究方法的科学性水平,同时更是提升了相关研究结论的实践借鉴价值,展现了本文在研究方法和内容上的突破性。
[Abstract]:Small - sized enterprises play a very important role in the economic and social development . However , because of the high risk of small micro - enterprises and the lack of necessary collateral , corporate governance is not standardized , and the lack of necessary collateral and corporate governance is generally insufficient , which obviously has a negative impact on the development of small - sized enterprises . At the same time , small and medium - sized commercial banks need to find new and suitable operating modes . In this paper , the author introduces and compares the internal mechanism of small and medium - sized commercial banks ' innovative service in small and medium - sized commercial banks . The research has made the following three conclusions : Firstly , the small and medium - sized commercial banks have the natural advantages and inevitability . Second , the small and medium - sized commercial banks innovation service small enterprises are beginning to emerge , but the gap is obvious compared with the developed countries . The third , the factors that hinder the small and medium - sized commercial banks ' innovation service are mainly related to the policy environment level , the cost control level , the cooperative innovation level , the bank ' s own management level and the professional talent level , etc . , and the deep reason analysis of the formation of the relevant factors can be expanded from the behavioral characteristic angle of the government departments , the small - sized commercial banks themselves and other institutions . Compared with the previous research , this study does not pan out on the issues such as the general operating behavior and risk of small and medium - sized commercial banks , but how to promote small and medium - sized commercial banks to better innovate the small - sized enterprises is the ultimate object of the study , and the research methods such as interviews and questionnaires are widely applied to the research process , which not only improves the scientific level of the research method , but also enhances the practice reference value of the relevant research conclusion , and presents the breakthrough of the research methods and contents .

【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F276.3

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