G银行H分行支持中小企业发展的融资贷款策略研究

发布时间：2018-02-27 19:24

本文关键词： 中小企业目标市场融资贷款策略　出处：《哈尔滨工程大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着市场经济高速发展，中小企业对地方经济发展的重要性不言而喻，却面临着融资难的困境，长期以来，，黑龙江省的中小企业发展始终落后于我国东南部地区。支持中小企业发展的融资贷款增长速度也远远滞后于地方经济，G银行H分行作为开发性金融机构，一直致力于服务地方经济建设，扶持中小企业贷款融资，本文的目的是通过制定切实可行的策略来实现H分行支持中小企业发展的融资贷款的战略意义。本篇论文首先在国内外相关文献研究的基础上，阐述了开发性金融与中小企业发展的相关理论与评述，其次，阐述了H分行支持中小企业发展的融资贷款现状，包括：黑龙江省内信贷环境，H分行自身信贷情况，现有中小企业贷款情况，中小企业经营现状分析，H分行支持中小企业发展的融资贷款存在的问题。在相关问题总结的基础之上，进行了存在问题的成因分析。其中包括：对中小企业融资贷款重视不够、缺乏创新意识和有效的风险控制。再次，通过对黑龙江银行业市场分析，内外部环境分析和SWOT分析找到了符合H分行支持中小企业发展的融资策略，包括：市场定位，目标市场选择，项目策略、渠道策略和利率策略。最后提出策略实施的保障措施，包括：强化创新意识，加强人才建设及激励机制建设，加强员工考核与激励。论文研究方法主要是根据H分行的实际调研数据进行分析，论文创新主要表现在以下三个方面：一是通过大量数据阐述支持中小企业发展对于H分行的战略意义，二是确定了H分行支持中小企业发展的融资贷款市场定位及目标市场的选择，三是对策略提出保障措施。
[Abstract]:With the rapid development of market economy, the importance of small and medium-sized enterprises to the development of local economy is self-evident, but they are faced with the dilemma of financing. For a long time, The development of small and medium-sized enterprises in Heilongjiang Province has always lagged behind the development of southeastern China. The growth rate of financing loans supporting the development of small and medium-sized enterprises has also lagged far behind that of the local economy, the H branch of G Bank as a development financial institution. The purpose of this paper is to realize the strategic significance of H branch's financing loan to support the development of small and medium-sized enterprises by making practical strategies. On the basis of the domestic and foreign literature, this paper expounds the theories and comments on the development of development finance and the development of small and medium-sized enterprises. Secondly, it expounds the current situation of financing loan in H branch to support the development of small and medium-sized enterprises. Including: the credit environment in Heilongjiang Province, the credit situation of the branch itself, and the existing lending situation of small and medium-sized enterprises, On the basis of the summary of the related problems, this paper analyzes the causes of the problems, including: not paying enough attention to the financing loans for SMEs, Thirdly, through the analysis of Heilongjiang banking market, internal and external environment analysis and SWOT analysis, we find out the financing strategy in line with H Branch to support the development of small and medium-sized enterprises, including: market positioning, Finally, the paper puts forward the guarantee measures for the implementation of the strategy, including: strengthening the consciousness of innovation, strengthening the construction of talents and incentive mechanism, and strengthening the staff assessment and incentive. The research method of the thesis is mainly based on the actual investigation data of H branch. The innovation of this paper is mainly reflected in the following three aspects: first, the strategic significance of supporting the development of small and medium-sized enterprises for H branch is expounded through a large amount of data. The second is to determine the position of financing loan market and the choice of target market for H branch to support the development of small and medium-sized enterprises, and the third is to put forward the safeguard measures to the strategy.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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