城市商业银行对中小企业融资支持研究

发布时间：2018-01-30 08:36

本文关键词： 中小企业城市商业银行共赢　出处：《河南大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着现代社会的飞速发展，我国经济稳步上升，全国各地中小企业也如雨后春笋般涌现出来，其发展态势不容小视。目前，中小企业已经成为我国国民经济的重要组成部分，但其融资难问题仍未得到根本解决。与其在经济发展中的重要地位和巨大作用是不完全适应的。统计数据显示，，我国企业中中小企业的数量达到了99%。在此之前，因为中小企业的信用体系不够完善，信用信息真实性不高，导致了政府政策、银行信贷、中介机构服务等对中小企业的支持不够准确到位，严重制约中小企业的发展。尤其是受到全球金融危机的影响，很多中小企业由于没能及时得到融资支持，纷纷破产关闭。城市商业银行对中小企业的融资支持有着其他金融机构不可比拟的先天优势，同时也对自身的发展有很大帮助。尽管在服务的过程中会面临诸多的困难，城市商业银行还会凭借自身的优势，在中小企业融资方面发挥重要作用，形成自己的核心竞争力。城市商业银行可以通过自身特色、高效的经营管理模式，创造出银企共赢的理想化局面。本论文主要从城市商业银行发展和中小企业融资两个大前提出发，在此之间寻求一个融合点：即城市商业银行如何在向中小企业提供融资支持的同时，实现自身利益的最大化。根据研究背景引出讨论的问题，分析问题，对该问题的案例进行研究，最后提出进一步解决该问题对策的思路，分为六个部分。本文的第一部分简明扼要地阐述了本篇论文的所选课题的背景及意义，分析总结了先辈们的关于本研究课题的研究成果，引出本文讨论的问题。本文的第二部分简明阐述了中国中小企业的融资情况，包含了怎样对中小企业进行界定、中小企业有哪些典型的特征、中小企业的融资现状以及其融资困难的原因。本文的第三部分对城商行的发展进行了简要叙述，介绍了城市商业银行如何开展中小企业融资业务，最终与其达到双赢状态。本文的第四部分重点探析了Z城市商业银行支持中小企业的成功案例，从中总结出宝贵经验。此外，还探究了Z城市商业银行支持中小企业融资的两个实例。本文第五部分结合第四部分的案例从城市商业银行的市场定位、建立与中小企业相匹配的机构组织、风险管理等方面提出了一系列的对策建议，进一步去改善和解决中小型、小微型企业融资难的问题。本文的第六部分对本篇论文做出结论，进行了总结，并提出了本论文的创新点及不足。本论文通过收集国内和国外相关的期刊文献及数据库资料，结合国内成功案例，以此为基础来探究我国城市商业银行应该如何对中小企业融资进行支持。
[Abstract]:With the rapid development of modern society, China's economy is rising steadily, and small and medium-sized enterprises have sprung up all over the country. Small and medium-sized enterprises (SMEs) have become an important part of our national economy, but their financing difficulties have not been fundamentally solved, which is not fully adapted to their important position and huge role in economic development. Statistics show that the number of small and medium-sized enterprises in our country reached 99%. Before this, because the credit system of SMEs is not perfect, the authenticity of credit information is not high, leading to government policies. Bank credit, intermediary services and other support to small and medium-sized enterprises are not accurate enough to seriously restrict the development of small and medium-sized enterprises, especially by the impact of the global financial crisis. Many small and medium-sized enterprises because did not get the financing support in time, one after another bankruptcy closes. The financing support of city commercial banks to small and medium-sized enterprises has the incomparable innate advantages of other financial institutions, but also has a great help to their own development, although in the process of service will face many difficulties. City commercial banks will also rely on their own advantages in the financing of small and medium-sized enterprises to play an important role in the formation of their own core competitiveness. Create a win-win situation for banks and enterprises idealized. This paper mainly from the city commercial bank development and small and medium-sized enterprises financing two premises, seek a convergence point between this: how the city commercial banks to provide financing support to small and medium-sized enterprises at the same time. According to the research background leads to the discussion of the problem, analysis of the problem, the case study of the problem, and finally put forward further solutions to the problem. This paper is divided into six parts. The first part of this paper briefly describes the background and significance of the selected topics of this paper, and analyzes and summarizes the previous research results on this subject. The second part of this paper briefly describes the financing situation of SMEs in China, including how to define SMEs, what are the typical characteristics of SMEs. The third part of this paper gives a brief description of the development of the city commercial bank, and introduces how the city commercial banks carry out the financing business of small and medium-sized enterprises. Finally, with its win-win situation. The 4th part of this article focuses on the Z City Commercial Bank to support the success of small and medium-sized enterprises, summed up valuable experience. This paper also explores two examples of Z City Commercial Bank supporting SME financing. The 5th part of this paper combined with the 4th part of the case from the market positioning of urban commercial banks to establish a matching organization with small and medium-sized enterprises. Risk management and other aspects of a series of countermeasures and suggestions to further improve and solve the financing problems of small and medium-sized enterprises, small and micro enterprises. The 6th part of this paper is concluded and summarized. At the same time, the innovation and deficiency of this paper are put forward. Based on the collection of domestic and foreign related periodical literature and database data and the successful cases in China, this paper explores how the city commercial banks in China should support the financing of small and medium-sized enterprises.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

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