中国银行济南分行中小企业授信业务拓展策略研究

发布时间：2018-04-03 10:32

本文选题：中国银行济南分行　切入点：中小企业　出处：《西安科技大学》2015年硕士论文

【摘要】：近年来,中小企业突飞猛进的发展,截至2013年底,全国工商注册的中小企业总量超过4200万家,已占全部注册企业总数的99%以上;同时,中小企业也贡献了58.5%的GDP,68.3%的外贸出口额,52.2%的税收和80%的就业,在促进国民经济平稳较快增长、缓解就业压力、实现科教兴国、优化经济结构等诸多方面,均发挥着越来越重要的作用。然而,中小企业所获得金融支持却与其对国民经济的巨大贡献十分的不相称。中小企业因为自身的禀性与我国当前的金融政策的支持力度不够以及金融机构的倒向,出现了融资难的问题,尤其是商业银行对中小企业的授信业务有待充善。本文首先对中小企业的定义与特点进行了概述;然后通过具体的数据分析了我国金融机构与中国银行济南分行对中小企业的授信业务开展状况、存在问题,进而总结出阻碍商业银行对中小企业开展授信业务的原因:一方面是由于中小企业自身的资产有限造成的担保能力不足以及管理不规范、制度不健全造成的企业信誉偏低,使大多数的中小企业达不到银行的授信要求;另一方面,商业银行由于授权管理的制约、经营方式的僵化、“重大轻小”的发展战略以及贷后管理不完善对中小企业开展授信业务也是困难重重。最后对中国银行济南分行如何更好更快的开展对中小企业的授信业务进行了对策分析,主要从信贷资源的重点倾斜、加强产品和服务创新、优化操作流程、加强中小企业信贷风险防范措施以及加强信贷队伍建设几个方面入手,进一步拓展中国银行济南分行对中小企业的授信业务。发展对中小企业的授信业务不仅对于中小企业的发展有重大意义,而且对于商业银行业务的拓展也有重要意义,也是发展国民经济的需要。
[Abstract]:Small and medium-sized enterprises have also contributed 58.5% of GDP, 68.3% of foreign trade exports, 52.2% of tax revenue and 80% of employment, in promoting steady and rapid growth of the national economy, alleviating employment pressure, realizing the rejuvenation of the country through science and education, optimizing the economic structure, and so on.Are playing a more and more important role.However, the financial support received by SMEs is not commensurate with their great contribution to the national economy.Because of their own nature and the insufficient support of our current financial policy and the reverse direction of financial institutions, SMEs face the problem of financing difficulties, especially the credit business of commercial banks to SMEs need to be good.In this paper, the definition and characteristics of small and medium-sized enterprises are summarized, and then through the specific data analysis of the financial institutions of China and Jinan Branch of Bank of China to the status of SME credit business, there are some problems.And then summarizes the reasons that hinder commercial banks to carry out credit business to SMEs: on the one hand, the lack of guarantee capacity caused by the limited assets of small and medium-sized enterprises and the non-standard management, the enterprise reputation caused by imperfect system is low.The majority of small and medium-sized enterprises fail to meet the credit requirements of banks. On the other hand, due to the restriction of authorization and management, commercial banks have become rigid in their business methods.The development strategy of "important light and small" and the imperfect management after loan are also difficult for SMEs to carry out credit business.The credit risk prevention measures of small and medium-sized enterprises and the construction of credit team should be strengthened to further expand the credit granting business of Jinan Branch of Bank of China to small and medium-sized enterprises.The development of credit business is not only of great significance to the development of small and medium-sized enterprises, but also of great significance to the expansion of commercial bank business, as well as the need of developing the national economy.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4;F276.3

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