建行南昌A支行中小企业融资服务现状分析和对策研究

发布时间：2018-04-05 00:03

本文选题：建设银行　切入点：中小企业　出处：《南昌大学》2012年硕士论文

【摘要】：随着我国经济的不断发展,中小企业也扮演着越来越重要的角色,对扩大城镇人口就业、不断增进市场繁荣、推动我国经济增长发挥着不可忽视的作用。然而中小企业融资难问题却日益凸显,成为中小企业发展的瓶颈。商业银行积极响应国家号召,帮助中小企业解决融资难的问题。中国人民建设银行作为具有国际商业水准的大银行,更应发挥自身优势,以不断提升竞争力、拓展银行利润来源渠道为目标,助力我国中小企业的快速发展!本文选取中国建设银行南昌分行A支行为研究对象,在初步了解A支行所在区域的中小企业融资现状的基础上,结合国内外关于中小企业融资的相关理论知识,分析中小企业融资所存在的问题及原因,并根据上述原因对建行南昌A支行提出了相应的对策。本文共分为四部分,第一部分主要阐述了相关理论：“麦克米伦缺口”理论,信贷配给理论,中小企业融资生命周期理论和关系型融资理论,并简要叙述了中小企业的相关概念；第二部分阐述了建行南昌A支行中小企业融资服务的现状以及存在的一系列问题,具体包括银行的准入门槛高,中小企业抵押担保困难,贷款资金可用时间短,贷款手续复杂、审批期限过长,金融创新产品实施难度大。第三部分对建行南昌A支行所在区中小企业融资的需求进行调查,并针对中小企业贷款存在的问题进行分析,从企业自身、银行贷款制度的约束、国家担保体系的不健全、国家贷款政策等方面分析原因,第四部分提出相应的对策,从建行南昌A支行角度提出了以战略性眼光发展中小企业业务、树立为中小企业服务的观念、不断创新业务流程、减少中小企业融资成本、注重风险资产的管理、加强中小企业风险评估体系创新、建立和完善中小企业风险定价机制、打造一支德才兼备的优秀团队、重视人力资源培训等一系列对策。
[Abstract]:With the continuous development of our economy, small and medium-sized enterprises also play a more and more important role in expanding the employment of the urban population, increasing the prosperity of the market, and promoting the economic growth of our country.However, the financing problem of small and medium-sized enterprises has become increasingly prominent, becoming the bottleneck of the development of small and medium-sized enterprises.Commercial banks actively respond to the call of the state to help small and medium-sized enterprises solve the problem of financing difficulties.As a big bank with international commercial standard, the people's Construction Bank of China should give full play to its own advantages, with the aim of constantly improving its competitiveness and expanding the sources of bank profits, so as to help the rapid development of small and medium-sized enterprises in our country.This paper selects the research object of A branch behavior of Nanchang Branch of China Construction Bank, on the basis of preliminary understanding of the financing status of small and medium-sized enterprises in the region where branch A branch is located, and combines the relevant theoretical knowledge about SME financing at home and abroad.This paper analyzes the problems and causes of the financing of small and medium-sized enterprises, and puts forward the corresponding countermeasures to the Nanchang A Branch of CCB according to the above reasons.This paper is divided into four parts. The first part mainly describes the related theories: "Macmillan gap" theory, credit rationing theory, SME financing life cycle theory and relational financing theory.The second part expounds the current situation and a series of problems of the financing service of Nanchang A Branch of CCB, including the high entry threshold of the bank and the difficulty of mortgage guarantee for the small and medium-sized enterprises.The loan fund is short, the loan procedure is complicated, the examination and approval period is too long, and the financial innovation product is difficult to implement.The third part investigates the financing needs of the small and medium-sized enterprises in Nanchang A branch of CCB, and analyzes the problems existing in the loans of the small and medium-sized enterprises. From the view of the enterprises themselves, the constraints of the bank loan system and the imperfection of the national guarantee system,The fourth part puts forward the corresponding countermeasures. From the angle of Nanchang A Branch of CCB, it puts forward the idea of developing small and medium-sized enterprises' business from a strategic perspective, sets up the concept of serving small and medium-sized enterprises, and continuously innovates the business process.To reduce the financing cost of small and medium-sized enterprises, to pay attention to the management of risk assets, to strengthen the innovation of risk assessment system of small and medium-sized enterprises, to establish and perfect the risk pricing mechanism of small and medium-sized enterprises, and to create an excellent team with both integrity and ability.Attach importance to human resources training and a series of countermeasures.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

【引证文献】