基于城市商业银行视角的中小企业融资研究

发布时间：2018-01-12 09:37

本文关键词：基于城市商业银行视角的中小企业融资研究　出处：《山东财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：中小企业在实现社会化专业协作，进行技术创新，增加就业和满足居民多样化和个性化的需求方面发挥着重要的作用。但是目前中小企业的发展受到各个方面的制约，其中融资难问题首当其冲。银行贷款作为中小企业外部融资的重要来源，是缓解困境的主要途径。而城市商业银行在成立最初就本着“服务地方经济、服务中小企业，服务城市居民”的服务宗旨，并且与国有商业银行相比，城市商业银行在软信息的获取上，当地政府的支持上，业务操作的时效上都有明显的优势。因此，应该充分发挥城市商业银行的竞争优势，找出缓解中小企业融资之道。本文从城市商业银行支持中小企业的融资的理论基础出发，分析阐述了相关概念及理论，为后文研究提供了理论框架。此外，文章还总结了目前我国中小企业的融资现状，并对中小企业融资困难的现实原因进行了具体的分析。同时，本文以莱商银行为正面案例，，阐述了莱商银行在为中小企业融资方面的可借鉴之处，并且也概括和总结了台湾，美国，日本国内外地区的优秀经验，在此基础上，对我国城市商业银行开展中小企业融资业务提出了对策和建议。
[Abstract]:Small and medium-sized enterprises in the realization of socialized professional collaboration, technological innovation. Increasing employment and meeting the diversified and personalized needs of the population plays an important role. However, the development of SMEs is restricted by various aspects. As an important source of external financing for small and medium-sized enterprises, bank loans are the main way to alleviate the difficulties, and the city commercial banks are "serving the local economy" at the beginning of their establishment. Service for small and medium-sized enterprises, serve urban residents "service purpose, and compared with state-owned commercial banks, urban commercial banks in the acquisition of soft information, the support of the local government." Therefore, it is necessary to give full play to the competitive advantage of urban commercial banks and find ways to ease the financing of small and medium-sized enterprises. Starting from the theoretical basis of the city commercial banks supporting the financing of small and medium-sized enterprises, this paper analyzes and expounds the relevant concepts and theories, which provides a theoretical framework for the later study. The paper also summarizes the current financing situation of SMEs in China, and analyzes the practical reasons for the financing difficulties of SMEs. At the same time, this paper takes Laishang Bank as a positive case, elaborated the Laishang Bank in financing for small and medium-sized enterprises can learn from, and also summarized and summarized Taiwan, the United States, Japan and other regions of the outstanding experience. On the basis of this, the paper puts forward some countermeasures and suggestions to the city commercial banks of our country to carry out the financing business of small and medium-sized enterprises.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.3;F832.4

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