商业银行对中小企业信贷业务的发展策略

发布时间：2018-04-01 00:19

本文选题：中小企业　切入点：信贷业务　出处：《南京大学》2012年硕士论文

【摘要】：中小企业是一个国家经济增长和发展的主要动力,在经济社会发展中具有不可替代的地位。随着中小企业的发展,其对资金的需求也越来越大,对中小企业来说资金是生存和发展过程中最重要的保证,而在金融工具并不成熟、发达的中国,从商业银行获得贷款是其最主要的外源融资渠道。但是由于信息不对称、贷款成本高、担保抵押等因素,长期以来,中小企业很难从银行获得足够的融资支持,这也成为一部分企业发展道路上不可逾越的瓶颈。银行信贷是中小企业外源融资的重要组成部分之一。从中小企业的角度来看,解决了银行贷款难的问题,其融资困难可以得到很大的缓解；从商业银行角度看,如果实现了在中小企业金融服务业务上成本、风险、收益的有机平衡,对于其业务的持续稳定发展也将起到重要的推动作用。伴随着各种复杂因素的相互作用和影响,商业银行在中小企业贷款业务的运作过程中必将面临来自企业的信贷风险与来自外围的竞争压力。正是基于这种考虑,本文结合我国目前的实际金融环境和银行业的发展趋.势,运用信贷配给理论、商业银行信用风险管理理论和“金融缺口”理论,从理论的角度解释了是什么造成了中小企业的获得银行信贷如此困难?哪些是影响商业银行对中小企业信贷决策的根本要素。之后,分析阐述了目前我国商业银行对中小企业信贷业务开展的现状、问题和原因所在,并在学习了日本中小企业银行金融服务领域的实践基础上,给出了我国商业银行在中小企业信贷业务中所应该采取的策略建议。
[Abstract]:Small and medium-sized enterprises (SMEs) are the main driving force for the economic growth and development of a country and play an irreplaceable role in the economic and social development.With the development of small and medium-sized enterprises, their demand for funds is also increasing. For small and medium-sized enterprises, capital is the most important guarantee in the process of survival and development, but in China, where financial instruments are not mature and developed,Obtaining loans from commercial banks is the main external financing channel.However, due to asymmetric information, high cost of loans, collateral and other factors, it has long been difficult for small and medium-sized enterprises to obtain adequate financing support from banks, which has become an insurmountable bottleneck in the development of some enterprises.Bank credit is one of the important components of external financing for SMEs.From the point of view of small and medium-sized enterprises, the problem of bank loans is solved, and its financing difficulties can be greatly alleviated. From the perspective of commercial banks, if the costs and risks in the financial services business of small and medium-sized enterprises are realized,The organic balance of income will also play an important role in the sustainable and stable development of its business.With the interaction and influence of various complicated factors, commercial banks are bound to face the credit risk from the enterprises and the competition pressure from the periphery in the operation process of the loan business of small and medium-sized enterprises.Based on this consideration, this paper combines the actual financial environment and the development trend of banking industry.Using credit rationing theory, credit risk management theory of commercial banks and "financial gap" theory, this paper explains from the theoretical point of view what makes it so difficult for small and medium-sized enterprises to obtain bank credit.What are the basic factors that affect the credit decision of commercial banks to small and medium enterprises.Then, the paper analyzes the current situation, problems and reasons of the credit business of SMEs in China's commercial banks, and studies the practice in the field of banking financial services for small and medium-sized enterprises in Japan.In this paper, the author puts forward the strategic suggestions that should be taken by Chinese commercial banks in the credit business of small and medium-sized enterprises.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F276.3

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