浙江泰隆银行中小企业贷款业务投放研究

发布时间：2018-03-29 14:02

本文选题：商业银行　切入点：中小企业　出处：《哈尔滨工业大学》2012年硕士论文

【摘要】：中小企业融资难一再成为理论界和实务界不断探讨的话题，解决中小企业融资贷款问题关系到中小企业的生存和发展，关系到社会稳定及健康发展。从国内银行的实践来看，浙江泰隆商业银行作为一家由民间资本组建的地方性小型商业银行通过广泛利用关系型借贷技术，在成立之初便以服务中小企业为立行之本，始终将目标客户定位于小微客户，在为中小企业提供融资方面取得了十分不俗的成绩。泰隆银行的成功，使得关系型借贷技术型成为具有强烈地方特色的“泰隆模式”，为解决中小企业融资难问题提供了一个生动的案例，也为其他商业银行的中小企业贷款实践提供了很好的借鉴意义。本文首先介绍了支撑中小企业贷款的理论，包括信息不对称理论、关系借贷理论、小银行优势假说理论，提出信息不对称是理论界和实务界普遍公认的中小企业贷款难的重要原因之一，而关系型借贷技术是针对软信息的生产和处理而开发出来的一种信贷技术，在很大程度上解决了银行与中小企业之间的信息不对称，小银行对于开展关系型借贷技术比大银行更具有优势，，从而开展中小企业贷款业务也更具有优势。之后本文以泰隆银行的成功经验为案例，对其进行了研究与分析。首先简单介绍了泰隆银行的经营状况，并介绍了部分其对中小企业贷款所采取的措施。之后对其成功的原因进行了详细的剖析，以供更多的人学习与借鉴。泰隆银行的成功给我们带来深刻的启示：始终如一的定位、贷款业务要符合中小企业的资金需求特点、坚持创新、走差异化道路、保持先进的企业文化使企业拥有强大的凝聚力。泰隆的成功存在其必然性，同时在其广泛推广中也不可避免的存在隐忧。针对如何确保“泰隆模式”成功的推广，本文分别从“泰隆模式”推广所需的外部环境及内部环境提出了合理的对策与建议。
[Abstract]:The financing difficulty of small and medium-sized enterprises has repeatedly become a topic of constant discussion in the theoretical and practical circles. To solve the problem of financing loans for small and medium-sized enterprises is related to the survival and development of small and medium-sized enterprises, social stability and healthy development. From the perspective of the practice of domestic banks, Zhejiang Tai long Commercial Bank, as a local small commercial bank organized by private capital, through the extensive use of relational lending technology, set up to serve small and medium-sized enterprises at the beginning of its establishment, always positioning its target customers as small and micro customers. Great success in financing small and medium enterprises. Tyrone Bank's success, This makes relational lending technology become the "Tyrone mode" with strong local characteristics, which provides a vivid case for solving the financing difficulties of small and medium-sized enterprises. It also provides a good reference for the loan practice of small and medium-sized enterprises in other commercial banks. This paper first introduces the theory of supporting SME loan, including information asymmetry theory, relational lending theory, small bank advantage hypothesis theory, It is pointed out that information asymmetry is one of the most important reasons for the difficulty of small and medium-sized enterprises' loan, and the relational lending technology is a kind of credit technology developed for the production and processing of soft information. To a large extent, the information asymmetry between banks and small and medium-sized enterprises has been solved, and small banks have advantages over large banks in developing relational lending techniques. Then this paper takes the successful experience of Tyrone Bank as a case to study and analyze it. Firstly, the paper briefly introduces the management situation of Tyrone Bank. It also introduces some of the measures it has taken to make loans to small and medium-sized enterprises. Then, it makes a detailed analysis of the reasons for its success, in order to provide more people with learning and reference. The success of Tyrone Bank brings us profound enlightenment: consistent positioning, The loan business should conform to the characteristics of the capital demand of the small and medium-sized enterprises, persist in innovation, take the road of differentiation, and keep the advanced enterprise culture so that the enterprise has strong cohesion. At the same time, there are inevitable hidden problems in its extensive popularization. In view of how to ensure the successful popularization of the "Tyrone Model", this paper puts forward some reasonable countermeasures and suggestions from the external environment and the internal environment needed for the popularization of the "Tyrone Model".
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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