某商业银行对中小企业融资的解决方案

发布时间：2018-01-20 11:37

本文关键词： 中小企业成都银行融资商业银行　出处：《西南交通大学》2012年硕士论文　论文类型：学位论文

【摘要】：据统计,2010年,成都市共有中小企业6.6万户,占成都所有企业数量的95%以上,成都中小企业的从业人员达到180多万人,中小企业增加值过去五年翻了两番,达到2255亿元。“十一五”期间,中小企业增加值以年均31.1%的速度增长。中小企业逐步发展成为成都市经济的一支重要力量。中小企业在促进成都市经济的发展,促进就业,促进成都市国际贸易的发展以及科学技术水平的提高方面起到了至关重要的作用。然而成都市中小企业在快速发展的过程中也面临着许多问题,其中问题之一就是融资难的问题。调查显示成都市中小企业在有资金需求时,首先考虑到的银行贷款,所以成都市中小企业融资难一个具体的表现就是成都中小企业银行融资难。造成成都市中小企业银行融资难的原因既有银行方面的原因也有中小企业方面的原因。银行方面的原因包括成都市商业银行的风险偏好,商业银行信贷业务管理的局限以及考核奖励措施等不利于中小企业获得借贷。企业方面的原因包括使以成都市中小企业为代表的我国中小企业存在产权不清晰,财务可持续性较差,缺乏担保物等等。针对成都市中小企业融资难的特点,本成都xx商业银行了推行的制度创新,规模倾斜；产品线创新以及风险控制方面的改革,这对解决成都市中小企业在银行贷款担保不足,银行产品较少以及信息不对称等方面问题有积极的意义,有利于其对成都市中小企业在融资贷款方面的支持,对促进成都市中小企业的发展有一定的积极意义。本文同时指出了xx商业银行当前在支持成都中小企业融资方面的问题,并认为其可以通过采取加强与成都市各行业协会的合作以及积极培育金融中介等措施来解决这些问题。从世界各国以及我国发达城市解决中小企业融资的成功经验来看,他们采取的城市往往是综合的,即包括融资方面的,也包括改善社会信用条件方面的,还包括对中小企业在技术,管理以及市场营销方面的。本文认为成都市中小企业银行融资难问题要得到根本性的解决,也需要从这些方面入手,即除了银行大力支持和中小企业注重自身发展以外,还需要不断的改善中小企业融资在社会环境,法律以及中小企业服务方面的条件。
[Abstract]:According to statistics, in 2010, there were 66,000 small and medium-sized enterprises in Chengdu, accounting for more than 95% of all enterprises in Chengdu, and the number of employees of small and medium-sized enterprises in Chengdu reached more than 1.8 million. The added value of small and medium-sized enterprises has quadrupled in the past five years to 225.5 billion yuan. The added value of small and medium-sized enterprises is increasing at an average annual rate of 31.1%. Small and medium-sized enterprises have gradually developed into an important force in Chengdu's economy. Small and medium-sized enterprises are promoting the development of Chengdu's economy and promoting employment. Promoting the development of international trade and improving the level of science and technology in Chengdu has played a vital role. However, the small and medium-sized enterprises in Chengdu also face many problems in the process of rapid development. One of the problems is the difficulty of financing. The survey shows that the small and medium-sized enterprises in Chengdu first consider the bank loans when they have capital needs. So Chengdu small-medium-sized enterprises financing difficulty a specific performance is Chengdu small-and-medium-sized enterprises bank financing difficulties. The reasons for the financing difficulties of banks in Chengdu are not only the reasons of banks but also the reasons of SMEs. The reasons of banks include the risk preference of commercial banks in Chengdu. The limitations of credit management of commercial banks and the examination and incentive measures are not conducive to SMEs to obtain loans. The reasons for enterprises include the lack of clear property rights of SMEs represented by SMEs in Chengdu. Poor financial sustainability, lack of collateral and so on. In view of the difficulty of financing for small and medium-sized enterprises in Chengdu, the Chengdu xx Commercial Bank has implemented the system innovation and the scale is inclined; The innovation of product line and the reform of risk control have positive significance to solve the problems of insufficient guarantee of bank loan, less bank products and asymmetric information in Chengdu small and medium-sized enterprises. In order to support the financing of small and medium-sized enterprises in Chengdu. It has certain positive significance to promote the development of Chengdu small and medium-sized enterprises. At the same time, this paper points out the problems of xx commercial bank in supporting the financing of Chengdu small and medium-sized enterprises. It is suggested that these problems can be solved by strengthening the cooperation with various trade associations in Chengdu and by actively cultivating financial intermediation. From the successful experience of the developed cities in the world and our country to solve the financing of small and medium-sized enterprises, their cities are often comprehensive, including financing, but also including the improvement of social credit conditions. It also includes small and medium-sized enterprises in technology, management and marketing. This paper believes that Chengdu small and medium-sized enterprises bank financing difficulties to be fundamentally resolved, also need to start from these aspects. Besides the strong support of banks and the attention of SMEs to their own development, it is also necessary to continuously improve the social environment, the law and the service conditions of SMEs.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

【引证文献】