GB银行大连分行中小企业融资模式的研究

发布时间：2018-01-22 04:40

本文关键词： 中小企业融资 GB银行大连分行融资融资模式　出处：《大连理工大学》2012年硕士论文　论文类型：学位论文

【摘要】：大连地区中小企业众多,企业发展迅速,融资需求旺盛,其对银行的融资效率、产品种类和服务水平要求较高。大连地区银行类金融机构有60多家,近年成立的城市商业银行的金融服务主要定位于中小企业,与GB银行大连分行形成较强的竞争。GB银行大连分行目前的中小企业业务存在创新不足、业务规模小、担保资源分配不均等问题,如何根据自身特点做好业务创新和资源整合,是目前迫切需要进行研究和探索的问题。本文共分四章。第一章绪论。第二章是GB银行大连分行中小企业融资模式及问题分析。第三章是GB银行大连分行中小企业融资对策。第四章结论。本文重点工作：一是对融资品种创新不足的问题进行了分析,提出创新产业链融资模式来扩大融资半径；二是对直贷业务规模小的问题进行了分析,提出通过同业合作来扩大业务规模；三是对担保资源分配不均的问题进行了分析,提出建立统一的融资平台来解决资源整合问题。本文特色与创新：第一,过构建以龙头企业为核心的产业链融资模式,达到支持龙头企业上下游中小企业融资,弥补融资产品创新不足的目的。这种模式以企业信用和实力为基础,突破了传统担保模式和融资结构,以龙头企业为抓手,能够扩大分行中小企业客户的数量和范围,可以复制推广。第二,通过加强与城市商业银行的同业合作,达到扩大分行“直贷”业务规模,降低管理成本的目的。同业合作模式,能够有效整合GB银行的资金优势和城市商业银行的人员及网点优势,以批发的方式实现中小企业融资,通过专业分工、有序竞争、优势互补,实现互惠互利、合作共赢。第三,通过政府主导,整合担保资源,达到分散个体风险,拓宽还款来源的目的。该模式充分体现了“政府主导,市场化运作”的理念,通过风险准备金的设立,增强了风险体系建设,增加了还款来源的渠道。
[Abstract]:Dalian has a large number of small and medium-sized enterprises, rapid development of enterprises, strong demand for financing, its financing efficiency, product types and service level requirements are high. There are more than 60 banking financial institutions in Dalian. The financial service of the city commercial bank established in recent years is mainly located in the small and medium-sized enterprises, and it has a strong competition with the Dalian Branch of GB Bank. There is insufficient innovation in the business of the small and medium-sized enterprises in the Dalian Branch of the Bank of GB at present. Business scale is small, guarantee resource distribution is not equal, how to do business innovation and resource integration according to their own characteristics, is an urgent need to research and explore. This paper is divided into four chapters. The first chapter is introduction. The second chapter is the financing mode and problem analysis of small and medium-sized enterprises in Dalian Branch of GB Bank. The third chapter is the financing countermeasures of small and medium-sized enterprises in Dalian Branch of GB Bank. Chapter 4th is the conclusion. The main work of this paper is as follows: first, it analyzes the shortage of financing variety innovation, and puts forward the innovative financing model of industrial chain to expand the financing radius; The second is to analyze the small scale of direct loan business, and put forward to expand the business scale through the cooperation of the same industry; The third is to analyze the uneven distribution of guarantee resources and to establish a unified financing platform to solve the problem of resource integration. This paper features and innovations: first, build leading enterprises as the core of the industrial chain financing model to support leading enterprises upstream and downstream SMEs financing. This model is based on enterprise credit and strength, breaks through the traditional guarantee mode and financing structure, and takes the leading enterprise as the starting point. Can expand the number and scope of customers of small and medium-sized enterprises, can replicate and popularize. Second, through strengthening the cooperation with the city commercial banks, to expand the branch "direct loan" business scale. The purpose of reducing the cost of management. The interbank cooperation model can effectively integrate the capital advantages of the GB bank and the advantages of the personnel and network of the city commercial banks to achieve the financing of small and medium-sized enterprises in a wholesale manner through the professional division of labor. Orderly competition, complementary advantages, achieve mutual benefit, win-win cooperation. Third, through government-led, the integration of guarantee resources to achieve decentralized individual risk. This model fully embodies the idea of "government leading and market-oriented operation". Through the establishment of risk reserve, it strengthens the construction of risk system and increases the channel of repayment source.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F275;F832.3

【参考文献】