我国城市商业银行开展小微金融业务的问题与对策

发布时间：2018-03-02 15:05

本文选题：小微企业　切入点：城市商业银行　出处：《河北大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国城市商业银行经过十几年的快速发展取得了重大成就，然而随着金融竞争的加剧，城商行也不得不另辟蹊径，去开拓新的业务领域，而小微企业这一特殊群体也随着2011年《中小企业划型标准规定》的出台进入人们的视野，并开始逐渐关注其融资难题。这时，城商行服务中小企业的最初定位与小微企业的融资问题就有了天然的契合点，因此大力扩展这一业务领域具有重要的现实意义。本文以城市商业银行开展的小微金融业务为研究对象，综合运用了比较分析、案例分析、总结归纳的方法，，并通过查阅了大量的文献资料，得出了城商行开展小微金融业务不仅有利于城商行的发展，更有助于解决小微企业融资问题的结论，并力求通过对该问题的提出、分析与解决，最终实现推进城商行大力开展小微金融业务的目的。本文从小微企业的融资问题及城市商业银行的发展现状出发，介绍并分析了城市商业银行开展小微金融业务的必然性与可行性，并在此基础之上对城商行开展小微金融业务的问题进行了具体分析并找到了城商行能力不足、小微企业自身存在缺陷、相关配套体系不健全这三个方面的原因。接着本文对河北银行与宁波银行开展小微金融业务的案例进行分析，并以此为借鉴，有针对性的提出了通过完善城商行自身业务、完善小微企业自身素质、完善政策支持环境等城市商业银行发展小微金融业务的政策建议。
[Abstract]:After more than ten years of rapid development, urban commercial banks in China have made great achievements. However, with the intensification of financial competition, city commercial banks also have to explore new business areas. And small and micro enterprises, a special group, came into people's view with the introduction of "Standard regulations for small and Medium-sized Enterprises" in 2011, and began to pay more and more attention to their financing problems. At this time, The initial orientation of city commercial bank for small and medium-sized enterprises and the financing of small and micro enterprises have a natural point of convergence, so it is of great practical significance to expand this business field. This article takes the small and micro finance business of the city commercial bank as the research object, synthetically uses the comparative analysis, the case analysis, the summary induction method, and has consulted the massive literature material, The conclusion that city commercial bank develops small and micro financial business is not only conducive to the development of city commercial bank, but also helpful to solve the financing problem of small and micro enterprises, and try its best to put forward, analyze and solve this problem. Finally realize the promotion city commercial bank vigorously develops the small and micro finance business goal. Starting from the financing problems of small and micro enterprises and the development of urban commercial banks, this paper introduces and analyzes the inevitability and feasibility of developing small and micro financial services in city commercial banks. On the basis of this, the author makes a concrete analysis of the problem of city commercial bank developing small and micro financial business, and finds out that the city commercial bank has insufficient ability, and the small and micro enterprise has its own defects. Then this paper analyzes the case of Hebei Bank and Ningbo Bank to carry out small and micro financial business, and take this as a reference, put forward through perfecting City Commercial Bank's own business. Improve the quality of small and micro enterprises, improve the policy support environment and other urban commercial banks to develop small and micro financial business policy recommendations.
【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】：F832.2

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