商业银行小微金融的发展研究
发布时间：2019-07-10 12:47
【摘要】：随着市场经济的快速发展，小微企业近年来得到了国家政府的大力支持，为此小微金融成为我国商业银行必不可少的一部分。我国小型金融现在刚刚起步，我国特有的政治环境和经济环境促使政府需要综合我国特殊国情对新型小微金融发展的资金需求、机构监管和制度建设进行深入探讨研究，深入寻求我国小型金融机构建设的道路。自从2011年我国商业银行严重受到持续不断提升的存贷率和存款准备金率监管的影响，其经营发展受到严重制约。根据金融统计数据显示，2011年全年人民币贷款增加7.47万亿元同比减增3901亿元信贷投放额度，无法满足商业银行传统业务经营需求。商业银行因为受到资金的持续压力其经营利润增长严重下滑，，由此商业银行必须转型为集约化的经营方式。从商业银行零售业务来看，自从楼市调控开始个人房贷将直接影响到银行的贷款收入。我国绝大多数商业银行受去年楼市的持续调控开始了自身经营结构的设置，大家都开始瞄向小微金融市场。鉴于此，笔者对我国商业银行小微金融机构的发展进行了深入的理论探讨和实证分析，试图得出一些有益的结论和启示。 这篇文章结合我国政治、经济、金融结构实际情况及需求，借鉴中国民生银行、北京银行、中国光大银行和招商银行小微金融发展的成功案例，全方位探索建立小微金融机构的制度基础和发展条件。受我国经济环境的影响，我国小微金融得到了国家金融财税政策、地方政府各类政策的大力支持，在未来的发展中得到了强有力的后盾，同时小微金融的发展为我国商业银行的零售业务创造了新的突破。文章中针对目前我国小微金融机构所面临的机遇与挑战，提出了相应的对策建议。由此可见小微金融的发展空间很大，有望将成为我国商业银行发展的重要支柱力量。
[Abstract]:With the rapid development of market economy, small and micro enterprises have been strongly supported by the national government in recent years, so small and micro finance has become an indispensable part of commercial banks in China. China's small-scale finance has just started. The unique political and economic environment of our country urges the government to synthesize the special national conditions of our country to carry on the thorough discussion and research to the fund demand, the institutional supervision and the system construction of the new small and micro-finance development, and to seek the road of the construction of the small-scale financial institution in our country. Since 2011, China's commercial banks have been seriously affected by the continuous improvement of deposit and loan ratio and deposit reserve ratio supervision, and their business development has been seriously restricted. According to financial statistics, RMB loans increased by 7.47 trillion yuan in 2011 compared with the same period last year, and the credit line decreased by 390.1 billion yuan, which could not meet the traditional business needs of commercial banks. Due to the continuous pressure of funds, the growth of operating profits of commercial banks has declined seriously, so commercial banks must be transformed into intensive business mode. From the point of view of retail business of commercial banks, personal housing loans will directly affect the loan income of banks since the regulation and control of the property market. Most of the commercial banks in China began to set up their own business structure by the continuous regulation and control of the property market last year, and everyone began to aim at the small and micro financial market. In view of this, the author makes a deep theoretical discussion and empirical analysis on the development of small and micro financial institutions of commercial banks in China, and tries to draw some useful conclusions and enlightenment. This article combines the actual situation and demand of political, economic and financial structure of our country, draws lessons from the successful cases of the development of small and micro finance of Minsheng Bank of China, Beijing Bank, Everbright Bank of China and China Merchants Bank, and explores the institutional basis and development conditions of establishing small and micro financial institutions in an all-round way. Under the influence of China's economic environment, China's small and micro finance has been strongly supported by the national financial finance and taxation policy, the local government's various policies, and has received a strong backing in the future development. at the same time, the development of small and micro finance has created a new breakthrough for the retail business of commercial banks in our country. In view of the opportunities and challenges faced by small and micro financial institutions in China at present, this paper puts forward some corresponding countermeasures and suggestions. Thus it can be seen that there is a lot of room for the development of small and micro finance, which is expected to become an important pillar of the development of commercial banks in China.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2512619
[Abstract]:With the rapid development of market economy, small and micro enterprises have been strongly supported by the national government in recent years, so small and micro finance has become an indispensable part of commercial banks in China. China's small-scale finance has just started. The unique political and economic environment of our country urges the government to synthesize the special national conditions of our country to carry on the thorough discussion and research to the fund demand, the institutional supervision and the system construction of the new small and micro-finance development, and to seek the road of the construction of the small-scale financial institution in our country. Since 2011, China's commercial banks have been seriously affected by the continuous improvement of deposit and loan ratio and deposit reserve ratio supervision, and their business development has been seriously restricted. According to financial statistics, RMB loans increased by 7.47 trillion yuan in 2011 compared with the same period last year, and the credit line decreased by 390.1 billion yuan, which could not meet the traditional business needs of commercial banks. Due to the continuous pressure of funds, the growth of operating profits of commercial banks has declined seriously, so commercial banks must be transformed into intensive business mode. From the point of view of retail business of commercial banks, personal housing loans will directly affect the loan income of banks since the regulation and control of the property market. Most of the commercial banks in China began to set up their own business structure by the continuous regulation and control of the property market last year, and everyone began to aim at the small and micro financial market. In view of this, the author makes a deep theoretical discussion and empirical analysis on the development of small and micro financial institutions of commercial banks in China, and tries to draw some useful conclusions and enlightenment. This article combines the actual situation and demand of political, economic and financial structure of our country, draws lessons from the successful cases of the development of small and micro finance of Minsheng Bank of China, Beijing Bank, Everbright Bank of China and China Merchants Bank, and explores the institutional basis and development conditions of establishing small and micro financial institutions in an all-round way. Under the influence of China's economic environment, China's small and micro finance has been strongly supported by the national financial finance and taxation policy, the local government's various policies, and has received a strong backing in the future development. at the same time, the development of small and micro finance has created a new breakthrough for the retail business of commercial banks in our country. In view of the opportunities and challenges faced by small and micro financial institutions in China at present, this paper puts forward some corresponding countermeasures and suggestions. Thus it can be seen that there is a lot of room for the development of small and micro finance, which is expected to become an important pillar of the development of commercial banks in China.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
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