商业银行构建中小企业金融服务创新机制研究

发布时间：2018-04-02 14:15

本文选题：商业银行　切入点：中小企业　出处：《首都经济贸易大学》2012年硕士论文

【摘要】：中小企业作为我国国民经济发展的重要组成部分，在当今社会经济发展中的作用和地位已经毋庸多言，但是中小企业发展所需社会资源的配置却存在着诸多的问题，特别是中小企业在金融服务方面的需求十分突出，对中小企业整体发展存在着极为现实的社会意义。本文主要阐述作为中小企业最主要的金融服务供应商—商业银行在为中小企业构建金融服务创新机制方面的研究。本文采用比较法、实证法等研究方法，对商业银行构建中小企业金融服务创新机制研究进行了系统阐述。本文共分四个部分。第一部分主要阐述了商业银行构建中小企业金融服务创新机制研究的背景和目的。第二部分是中小企业在我国经济发展中的现状和经济地位，，以及在目前发展过程中所面临的问题。第三部分介绍了国内外商业银行在构建中小企业金融服务方面所取得的成绩和进展情况。第四部分围绕着中小企业金融服务的核心内容展开论述，结合当前我国商业银行在中小企业金融服务方面的现状和问题，并总结了当前市场的研究成果，并与我国商业银行中小企业金融服务创新机制研究的实际相结合，提出商业银行构建金融服务创新机制研究的核心内容，如在金融服务产品方面对对中小企业融资问题的解决方案：在运营机构方面对中小企业金融服务创新机制的构建等内容。以期能为我国商业银行中小企业金融服务创新机制研究提供有价值的信息。
[Abstract]:As an important part of the national economic development of our country, the role and status of small and medium-sized enterprises (SMEs) in the social and economic development has been needless to say, but there are many problems in the allocation of social resources for the development of SMEs.Especially, the demand of SMEs in financial services is very prominent, which has a very realistic social significance for the overall development of SMEs.This paper mainly expounds the research on the financial service innovation mechanism for SMEs by commercial banks, which are the most important financial service providers for SMEs.In this paper, the comparative method, empirical method and other research methods, commercial banks to build the financial service innovation mechanism of small and medium-sized enterprises are systematically expounded.This paper is divided into four parts.The first part mainly expounds the background and purpose of the research on the financial service innovation mechanism of commercial banks.The second part is the current situation and economic status of small and medium-sized enterprises in China's economic development, as well as the problems faced in the current development process.The third part introduces the achievements and progress of domestic and foreign commercial banks in the construction of SMEs financial services.The fourth part focuses on the core content of SME financial services, combined with the current situation and problems of our commercial banks in SME financial services, and summarizes the current market research results.Combining with the reality of the research on financial service innovation mechanism of small and medium-sized enterprises of commercial banks in China, the paper puts forward the core contents of the research on the construction of financial service innovation mechanism of commercial banks.For example, in the aspect of financial service product, the solution to the financing problem of small and medium-sized enterprises and the construction of innovative mechanism of financial service for small and medium-sized enterprises in the aspect of operation institution.The aim is to provide valuable information for the research on the innovation mechanism of financial services of small and medium-sized enterprises in commercial banks in China.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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