商业银行小微金融服务机制改进分析

发布时间：2018-05-27 06:44

本文选题：商业银行 + 小微金融　；参考：《山东大学》2013年硕士论文

【摘要】：从性质上看,小微企业是工商企业的一种,具备独立的企业法人资格,承担纳税义务,是我国市场经济发展过程中新生的不可忽视的新兴力量。小微金融服务,具体地说就是一种专门针对“小微企业”用户研发的,针对小微企业的融资需要开展的金融服务产品。商业银行开展小微金融服务不仅有助于小微企业自身的发展,更有利于盘活商业银行的资金,提高商业银行资金的流转速度,提升商业银行的资本管理水平和综合投资盈利能力,促进商业银行的发展。从全局的角度来看,商业银行开展小微金融服务还能进一步健全我国的经济结构,促进我国整体经济的健康发展,因此,推行商业银行小微金融服务机制改进是十分必要的。本文从我国小微企业的发展现状入手,深入分析了在我国小微企业的发展形势和突出问题,然后再借鉴国外商业银行开展小微金融服务的经验,对我国商业银行小微金融服务机制中存在的问题进行了深入分析,同时,也对商业银行如何开展小微金融服务提出了自己的建议。本研究共分为五个部分。第一部分是第一章和第二章,研究的绪论部分,是对本研究的研究背景、研究意义、研究方法、当前研究现状、文献综述等的阐述。第二部分是第三章,是对我国小微企业发展现状的阐述和小微企业融资难问题的梳理。第三部分是文章的第四章,是对小微企业融资难问题的原因分析,主要从政府层面、行业层面和商业银行层面等三个层面出发,分别分析了来自不同层面的导致小微企业陷入融资难困境的原因。第四部分是文章的第五章,主要是对国内外商业银行小微金融服务开展现状的调查了解和经验分析。第五部分是文章的第六章,是对商业银行小微金融服务机制改进的措施建议,主要是在结合国外经验研究的基础上,从政府层面、行业层面和商业银行层面出发,对商业银行小微金融服务机制的完善提出了建议。
[Abstract]:In nature, small and micro enterprises are a kind of industrial and commercial enterprises, with independent corporate status, to assume tax obligations, is a new emerging force that can not be ignored in the process of the development of market economy in our country. Microfinancial services, specifically, a financial service product developed specifically for "small and micro enterprises" users and targeted at the financing needs of small and micro enterprises. The development of small and micro financial services by commercial banks is not only conducive to the development of small and micro enterprises themselves, but also conducive to activating the funds of commercial banks and increasing the speed of circulation of funds of commercial banks. To promote the development of commercial banks by improving their capital management and comprehensive investment profitability. From the point of view of the overall situation, commercial banks can further improve the economic structure of our country and promote the healthy development of the whole economy. Therefore, it is necessary to carry out the improvement of the mechanism of small and micro financial services of commercial banks. Starting with the current situation of the development of small and micro enterprises in China, this paper analyzes the development situation and outstanding problems of small and micro enterprises in China, and then draws lessons from the experience of foreign commercial banks in carrying out small and micro financial services. This paper makes a deep analysis of the problems existing in the small and micro financial service mechanism of commercial banks in China, and at the same time, puts forward some suggestions on how to carry out the small and micro financial services in commercial banks. This study is divided into five parts. The first part is the first chapter and the second chapter, the introduction part, is the research background, the research significance, the research method, the present research present situation, the literature summary and so on. The second part is the third chapter. The third part is the fourth chapter of the article, which analyzes the causes of the financing difficulties of small and micro enterprises, mainly from the government level, the industry level and the commercial bank level. This paper analyzes the reasons why small and micro enterprises fall into financing difficulties from different levels. The fourth part is the fifth chapter of the article, mainly to the domestic and foreign commercial banks small and micro financial service development situation investigation understanding and the experience analysis. The fifth part is the sixth chapter of the article, which is the measures to improve the micro-financial service mechanism of commercial banks, mainly based on the study of foreign experience, from the government level, the industry level and the commercial bank level, starting from the government level, the industry level and the commercial bank level, from the government level, the industry level and the commercial bank level. This paper puts forward some suggestions on the perfection of the small and micro financial service mechanism of commercial banks.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】