浦发银行中小企业融资创新研究

发布时间：2018-03-20 16:45

本文选题：浦发银行　切入点：中小企业　出处：《中南大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着我国经济体制改革的深化,中小企业已成长为推动我国经济增长的重要力量和吸纳剩余劳动力就业的重要渠道。在中小企业成长的背后,却面临着一些亟待解决的突出性问题,其中融资困难问题已经成为制约我国中小企业发展的一大瓶颈。本文以中小企业融资难为现实背景,在查阅了国内外大量文献资料和理论依据的基础上,先简单分析了我国中小企业在国民经济中的地位、一般特征和融资现状；然后从浦发银行当前发展面临的问题、潜在的风险隐患、未来发展需要等几个角度,分析了浦发银行重点发展中小企业融资业务的重要性和必要性；在此基础上,以浦发银行和同类型股份制银行在中小企业融资方面的公开数据为事实依据,通过纵向和横向深入比较分析,提出了此次研究需要解决的问题：完善考核激励机制；简化审批流程；制定科学定价机制；丰富担保手段；健全产品服务体系。针对相关问题,笔者在第四章花了大量篇幅提出了解决浦发银行在中小企业融资方面存在问题的相关创新举措,这一部分是本文的核心。为保障第四章相关创新措施得以实施,在第五章提出了要将重点支持中小企业融资纳入浦发银行中长期战略发展规划、要进一步夯实中小企业融资专营基础等6项具体保障措施。最后得出本文的结论：决策层的高度重视是浦发银行做好中小企业融资的前提条件；完善的中小企业融资专营机制是保证浦发银行中小企业融资业务快速发展的基础；要满足中小企业对银行融资“快”的需求,浦发银行必须进一步优化流程,提高效率；要快速发展中小企业融资业务,在风险防范上要突破现有担保模式；建立一支高素质的、致力于中小企业融资服务的专营队伍也是实现浦发银行相互企业融资健康、可持续发展的关键因素。笔者希望相关研究结论能够对浦发银行未来在中小企业融资方面提供参考、借鉴。
[Abstract]:With the deepening of China's economic system reform, small and medium-sized enterprises have grown into an important force to promote China's economic growth and an important channel to absorb the surplus labor force. However, there are some outstanding problems to be solved, among which financing difficulties have become a bottleneck restricting the development of small and medium-sized enterprises in China. On the basis of consulting a great deal of literature and theoretical basis at home and abroad, this paper analyzes the status, general characteristics and financing status of small and medium-sized enterprises in the national economy. Then from the perspective of the current development problems, potential risks and future development needs of Pudong Development Bank, this paper analyzes the importance and necessity of focusing on the development of small and medium-sized enterprises' financing business. Based on the public data of Shanghai Development Bank and the same type of joint-stock banks in the financing of small and medium-sized enterprises, through the longitudinal and horizontal comparative analysis, this paper puts forward the problems that need to be solved in this study: perfecting the examination and incentive mechanism; Simplify the approval process; establish a scientific pricing mechanism; enrich the means of guarantee; improve the product service system. In chapter 4th, the author puts forward some innovative measures to solve the problems existing in the financing of small and medium-sized enterprises. This part is the core of this paper. In order to ensure the implementation of relevant innovation measures in Chapter 4th, In Chapter 5th, it is proposed that the financing of supporting small and medium-sized enterprises should be included in the long-term strategic development plan of the Shanghai Development Bank. Finally, the conclusion of this paper is as follows: the policy makers attach great importance to the financing of small and medium-sized enterprises, which is the prerequisite for the bank to do a good job in financing small and medium-sized enterprises; The perfect financing monopoly mechanism of small and medium-sized enterprises is the basis to guarantee the rapid development of the financing business of small and medium-sized enterprises in Pudong Development Bank, and in order to meet the demand of small and medium-sized enterprises for bank financing "fast", the bank must further optimize the process and improve the efficiency. In order to develop the financing business of small and medium-sized enterprises quickly, we should break through the existing guarantee mode on risk prevention, establish a high quality specialized team devoted to the financing service of small and medium-sized enterprises, and realize the healthy mutual enterprise financing of Pudong Development Bank. The author hopes that the relevant research conclusions can be used as reference for the financing of small and medium-sized enterprises in the future by Shanghai Development Bank.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F276.3

【相似文献】