泉州商业银行发展中小企业信贷业务研究

发布时间：2018-10-17 18:59

【摘要】：随着世界经济格局的改变，商业银行也处在不断变化的经营环境中。利率市场化的引入使得商业银行的利润空间不断被压缩，较高集中度的贷款加大了银行的信贷风险，这些问题将给商业银行的可持续发展带来前所未有的挑战。纵观世界经济发展史，中小企业已成为发展中和发达国家中国民经济的重要精神支柱，当前，中小企业在我国经济社会中扮演着越来越重要的角色，中小企业在优化资源配置效率，扩大出口，增加就业机会和促进科技发展发面发挥着不可替代的作用。经验表明，信贷融资在中小企业外源性融资中发挥着特别重要的作用，而融资渠道也主要集中在商业银行和其他金融机构贷款上，因此，国内各大商业银行现已积极开拓的新的领域和市场，即发展中小企业的信贷业务，，而能否有效拓展这部分市场已成为商业银行在未来的信贷市场竞争中能否保持优势的关键。因此，加强对中小企业的信贷风险管理，不仅有利于放宽中小企业发展的资金要求，还关系到银行资金的安全问题，因此，本文的研究具有理论和实践意义。同时，也对全国其他商业银行发展中小企业信贷业务有所启示。本文以泉州商业银行为立足点，指出了泉州中小企业的概况和特点，阐述了泉州商业银行发展中小企业信贷业务现状，列举并比较了泉州商业银行发展中小企业信贷业务的优劣势，分析出泉州中小企业融资难的原因，然后综合以上的分析有针对性的提出对泉州商业银行发展中小企业信贷业务的思路和建议，最后列举出同行业的台州商业银行案例，希望以此为泉州商业银行发展中小企业信贷业务带来借鉴和启示。
[Abstract]:With the change of the world economic pattern, commercial banks are also in the changing business environment. With the introduction of interest rate marketization, the profit space of commercial banks is constantly compressed, and the high concentration of loans increases the credit risk of banks. These problems will bring unprecedented challenges to the sustainable development of commercial banks. Throughout the history of world economic development, small and medium-sized enterprises have become an important spiritual pillar of the national economy in both developing and developed countries. At present, small and medium-sized enterprises play an increasingly important role in the economic and social development of our country. SMEs play an irreplaceable role in optimizing the efficiency of resource allocation, expanding exports, increasing employment opportunities and promoting the development of science and technology. Experience shows that credit financing plays a particularly important role in the external financing of SMEs, and the financing channels are mainly concentrated on the loans of commercial banks and other financial institutions. The domestic commercial banks have been actively developing new fields and markets, that is, developing the credit business of small and medium-sized enterprises, and whether they can effectively expand this part of the market has become the key for commercial banks to maintain their advantages in the future credit market competition. Therefore, strengthening the credit risk management of small and medium-sized enterprises is not only conducive to relax the capital requirements for the development of small and medium-sized enterprises, but also related to the security of bank funds. Therefore, the study of this paper has theoretical and practical significance. At the same time, also to other commercial banks throughout the country to develop small and medium-sized credit business enlightenment. This paper takes Quanzhou Commercial Bank as its foothold, points out the general situation and characteristics of Quanzhou small and medium-sized enterprises, and expounds the present situation of Quanzhou commercial bank's development of small and medium-sized enterprises' credit business. This paper enumerates and compares the advantages and disadvantages of Quanzhou Commercial Bank in developing the credit business of small and medium-sized enterprises, and analyzes the reasons for the difficulty in financing of small and medium-sized enterprises in Quanzhou. Then synthesizes the above analysis has pointed out to the Quanzhou commercial bank to develop the small and medium-sized enterprise credit service thought and the suggestion, finally enumerates the same profession Taizhou commercial bank case, It is hoped that this will serve as a reference and inspiration for Quanzhou Commercial Bank to develop small and medium-sized credit business.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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