包商银行微小企业贷款业务技术模式研究

发布时间：2018-03-13 15:25

本文选题：城市商业银行　切入点：微小企业　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：微小企业是我国国民经济的重要组成部分,其数量多,分布广,在活跃经济、方便生活、增加就业等方面发挥了极大的作用,对国民经济的贡献率也在逐年上升,其发展关系社会的稳定以及就业问题的解决,因此在整个社会的经济活动中,微小企业扮演着相当重要的角色。但由于信息不对称,微小企业贷款是目前金融业的一大难题。有些微小企业和个体工商户市场前景非常好,有发展的潜力,需要资金支持,但银行通过工商注册、信用信息记录、打分卡模型、项目审批等常规信息途径很难了解企业的真实状况。由于银行无法了解企业情况就不敢发放贷款。同时,有些银行愿意为微小企业和个体工商户提供贷款,但由于微小企业缺乏银行融资的经历,不知道从哪家银行可以获得融资服务,信息的不对称直接导致贷款难和放款难的两难境地。因此银行如何通过一定的技术模式解决信息不对称的问题将是困扰其服务小微企业的一大难题,也是本论文研究的核心内容。本文在研究国内外微小企业贷款技术模式的基础上,通过分析、比较国内银行服务微小企业贷款技术模式和包商银行可持续发展的微小企业贷款技术,为城市商业银行服务微小企业客户提供新思路、探索出有效的服务模式以提高银行服务微小企业贷款业务的效率和微小企业的贷款满足率,促进微小企业和银行业的发展,进而促进我国经济的可持续发展。
[Abstract]:Small and micro enterprises are an important part of our national economy. They are numerous and widely distributed. They have played a great role in activating the economy, making life easier and increasing employment, and the contribution rate to the national economy has also been rising year by year. Its development is related to the stability of the society and the solution of the employment problem, so microenterprises play a very important role in the economic activities of the whole society. Micro-enterprise loans are a major problem in the financial industry at present. Some small and medium-sized enterprises and individual industrial and commercial households have very good market prospects, have the potential to develop, and need capital support. However, banks use business registration, credit information records, and scorecard models. Conventional information such as project approval is difficult to understand the true state of the enterprise. Banks are afraid to lend because they cannot understand the situation. At the same time, some banks are willing to lend to small businesses and individual businesses, but because they lack the experience of bank financing, they do not know from which bank to obtain financing services. The asymmetry of information directly leads to the dilemma between loan and loan. Therefore, how to solve the problem of information asymmetry through a certain technical model will be a big problem for banks to serve small and micro enterprises. It is also the core of this thesis. Based on the research of domestic and foreign microenterprise loan technology model, this paper compares the domestic bank service microenterprise loan technology model with the contractor bank sustainable development microenterprise loan technology through the analysis, the domestic bank service microenterprise loan technology model and the contractor bank sustainable development microenterprise loan technology. It provides a new way for the city commercial banks to serve the micro-enterprise customers, and explores an effective service mode to improve the efficiency of the bank services to the micro-enterprise loan business and the loan satisfaction rate of the micro-enterprise, so as to promote the development of the micro-enterprise and the banking industry. Then promote the sustainable development of our economy.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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