商业银行中小企业融资服务存在的问题及对策研究

发布时间：2018-02-28 11:41

本文关键词： 商业银行中小企业融资对策　出处：《复旦大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革开放以来,我国的中小企业发展很快,在整个国民经济中发挥着越来越重要的作用,为我国的经济增长做出了极大的贡献。但近些年来由于外部经济金融、内部经济转型升级等多方面因素的影响,许多中小企业陷入了困境,其中最突出的就是中小企业融资难的问题。商业银行作为国家金融体系的中坚力量,应该解决这些问题,多给中小企业融资创造条件,促使它们在未来发挥更重要的作用。本文结合前人的调查研究成果,在参阅相关文献的基础上,分析了我国中小企业融资现状和商业银行开展中小企业融资的现状,并对中小企业融资难的问题进行原因剖析,提出商业银行解决中小企业融资策略。最后,以浙江泰隆商业服务中小企业融资的具体案例,实证分析了商业银行在拓展中小企业融资业务方面做出的许多有益尝试,浙江泰隆商业银行的做法对于我国商业银行解决中小企业融资难问题具有非常现实的意义。
[Abstract]:Since the reform and opening up, the small and medium-sized enterprises of our country have developed rapidly and played a more and more important role in the whole national economy, which has made a great contribution to the economic growth of our country. But in recent years, due to the external economy and finance, As a result of various factors, such as internal economic transformation and upgrading, many small and medium-sized enterprises have fallen into difficulties, the most prominent of which is the difficulty of financing for small and medium-sized enterprises. As the backbone of the national financial system, commercial banks should solve these problems. More to create conditions for small and medium-sized enterprises to finance, to promote them in the future to play a more important role. Based on the previous investigation and research results, this paper analyzes the current situation of SME financing in China and the current situation of SME financing in commercial banks, and analyzes the reasons for the difficulty of SME financing. Finally, taking the specific case of Zhejiang Tai long Commercial Service SME financing, the paper empirically analyzes many beneficial attempts made by commercial banks in expanding the financing business of small and medium-sized enterprises. The practice of Zhejiang Tai long Commercial Bank is of practical significance for Chinese commercial banks to solve the financing difficulties of small and medium-sized enterprises.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F276.3

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