中国银行泰安分行中小企业授信业务优化研究

发布时间：2018-02-12 11:19

本文关键词： 中小企业融资中国银行泰安分行授信业务　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：近年来,中小企业突飞猛进的发展,截至2011年底我国工商注册登记的中小企业已占全部注册企业总数的99%以上,这些中小企业创造了我国GDP的55.6%、工业新增产值的74.7%、社会销售额的58.9%、60%的出口额以及税收的46.2%,为我国提供了75%以上的就业岗位。这些数据充分的体现了中小企业对我国经济发展的作用,然而,中小企业所获得金融支持却与其对国民经济的巨大贡献十分的不相称。中小企业因为自身的一些禀性与我国当前的金融政策的支持力度不够以及金融机构的倒向而出现了融资难的问题,尤其是商业银行对中小企业的授信业务有待完善。本文首先对中小企业的定义与特点进行了概述；然后通过具体的数据分析了全国金融机构与中国银行泰安分行对中小企业的授信业务开展状况、存在问题,进而总结出阻碍商业银行对中小企业开展授信业务的原因：一方面是由于中小企业自身的资产有限造成的担保能力不足以及管理不规范、制度不健全造成的企业信誉偏低,使大多数的中小企业达不到银行的授信要求；另一方面,商业银行由于授权管理的制约、经营方式的僵化、“重大轻小”的发展战略以及贷后管理不完善对中小企业开展授信业务也是困难重重。最后对中国银行泰安分行如何更好更快的开展对中小企业的授信业务进行了对策分析,主要从信贷资源的重点倾斜、加强产品和服务创新、优化操作流程、加强中小企业信贷风险防范措施以及加强信贷队伍建设这几个方面入手,进一步拓展中国银行泰安分行对中小企业的授信业务。发展对中小企业的授信业务不仅对于中小企业的发展有重大意义,而且对于商业银行业务的拓展也有重要意义,也是发展国民经济的需要。
[Abstract]:In recent years, small and medium-sized enterprises have developed by leaps and bounds. As of end of 2011, the number of small and medium-sized enterprises registered for industry and commerce in China has accounted for more than 99% of the total number of registered enterprises. These small and medium-sized enterprises have created 55.6% of our GDP, 74.7% of the new industrial output value, 58.9% of social sales and 46.2% of tax revenue, which provide more than 75% jobs for our country. These data fully reflect the small and medium-sized enterprises to China. The role of national economic development, However, The financial support received by small and medium-sized enterprises is not commensurate with their great contribution to the national economy. Because of their own nature, SMEs are not strong enough to support our current financial policies and the financial institutions are turning backwards. And there is the problem of financing difficulties. In particular, commercial banks to SMEs credit business needs to be improved. In this paper, the definition and characteristics of small and medium-sized enterprises are summarized, and then through the specific data analysis of the national financial institutions and Bank of China Taian Branch of the status of SME credit business, there are problems, And then summarizes the reasons that hinder commercial banks to carry out credit business to SMEs: on the one hand, the lack of guarantee capacity caused by the limited assets of small and medium-sized enterprises and the non-standard management, the enterprise reputation caused by imperfect system is low. The majority of small and medium-sized enterprises fail to meet the credit requirements of banks. On the other hand, commercial banks are restricted by authorized management. The inflexibility of management mode, the development strategy of "important light and small" and the imperfect management after loan are also very difficult for SMEs to carry out credit business. Finally, it is difficult for the bank of china Taian branch to develop more quickly and better for small and medium-sized enterprises. Has carried on the countermeasure analysis to the credit business, Mainly from the credit resources, strengthening the innovation of products and services, optimizing the operation process, strengthening the credit risk prevention measures of small and medium-sized enterprises, and strengthening the construction of the credit force. Further expanding the credit business of the Bank of China Tai'an Branch to small and medium-sized enterprises. The development of credit business for small and medium-sized enterprises is of great significance not only to the development of small and medium-sized enterprises, but also to the expansion of commercial bank business. It is also the need to develop the national economy.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F276.3

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