国有银行对中小企业融资支持研究

发布时间：2018-01-09 07:39

本文关键词：国有银行对中小企业融资支持研究　出处：《浙江大学》2013年硕士论文　论文类型：学位论文

【摘要】：无论对发达国家还是发展中国家来说,中小企业作为国民经济体系中最活跃的因素,具有十分重要的作用。中小企业融资难一直以来都是一个世界性难题,是制约中小企业发展的首要因素。在我国,尤其是在浙江省这一民营经济发达,中小企业聚集的地域,中小企业融资难问题尤为凸显。银行间接融资是我国中小企业最主要的外源性融资渠道,国有大型商业银行作为银行业的主体,在中小企业融资中显得十分重要,研究国有大型商业银行对中小企业融资支持问题具有现实意义。本文从贷款技术、风险管理、贷款成本和综合服务等方面对国有大型商业银行为中小企业提供融资服务进行了理论分析,重新认识了国有大型商业银行对中小企业融资中的信息不对称问题,介绍了国内外大型商业银行支持中小企业的具体做法,以工商银行浙江分行为例,详细论述了国有大型商业银行对中小企业融资模式和具体举措,进一步比较分析了国有大型商业银行与中小银行对中小企业融资的优劣势,并以工行浙江分行小企业融资产品贷款数据为样本,探讨了影响中小企业融资能力的因素,最后提出了国有大型商业银行对中小企业提供融资服务的政策建议。
[Abstract]:Whether in developed or developing countries, small and medium-sized enterprises as the most active factor in the national economic system, has a very important role. The financing of small and medium-sized enterprises has always been a difficult problem in the world, is the primary factor restricting the development of SMEs. In our country, especially in Zhejiang Province, the private economy developed, small and medium-sized enterprises gathered in the region, the financing problem of SMEs is particularly prominent. Bank indirect financing of SMEs in China is the most important external financing channels, large state-owned commercial banks as the main body of the banking industry, it is very important in small and medium enterprise financing, it is of practical significance to study the large state-owned commercial bank financing for SMEs support this article from the loan. Technology, risk management, loan cost and comprehensive services to large state-owned commercial banks for small and medium-sized enterprises to provide financing services The theoretical analysis, re understanding of the information asymmetry problem of large state-owned commercial bank financing of small and medium enterprises, this paper introduces the practice of domestic and foreign large-scale commercial banks to support small and medium-sized enterprises, the industrial and Commercial Bank of China Zhejiang branch as an example, discusses the large state-owned commercial banks for small and medium-sized enterprise financing mode and specific measures, further comparative analysis of state large commercial banks and small banks to small and medium sized enterprises financing advantages and disadvantages, and bank financing products to small business loans Zhejiang branch data as samples, to explore the factors influencing the financing capacity of small and medium-sized enterprises, and finally puts forward some large state-owned commercial banks to provide financing services to small and medium-sized enterprise policy recommendations.

【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275;F276.3

【引证文献】