国有银行中小企业授信渠道拓展和产品创新研究

发布时间：2018-04-06 00:09

本文选题：中小企业　切入点：授信渠道　出处：《复旦大学》2012年硕士论文

【摘要】：中小企业融资难是世界性的普遍难题,国有银行作为中国金融市场的一个主要融资渠道,通过拓展中小企业授信渠道和产品创新,对解决中小企业融资难具有十分重要的意义。本文通过对中小企业融资难的现状及原因进行现实及理论分析,结合目前各类银行应对中小企业融资难的多种举措,总结了国有银行在资金实力、品牌信誉、政府和客户资源、管理和人才、网点、创新等六方面的优势,在此基础上提出,国有银行在中小企业授信渠道拓展和产品创新上,须扬长避短,走标准化、专业化、差异化的道路,即：以特有的网点优势为基础,依托政府和客户资源优势,丰富与发展供应链融资,把传统渠道做宽做深,并加强对专业市场等凝聚较多共性客户的渠道拓展,推出更多标准化的产品和服务；以创新、管理和人才优势,在专业化方面做深做透,加强网络金融渠道的拓展,推出更多专业化的产品和服务；以资金实力、品牌信誉优势,加强与担保公司等中介渠道、同业渠道及创投公司等其它渠道的合作,推出更多差异化的产品和服务,在差异化方面领先一步。在现行市场环境下,国有银行应深入拓展传统渠道并创新产品,丰富与发展供应链融资；大力拓展网络金融渠道并创新产品,加强网络金融电子平台的推广运用；全面拓展中介渠道并创新产品,加强与担保公司、保险公司等合作；充分拓展共性客户渠道并创新产品,深化与园区、专业市场等的关系；积极拓展同业及其它渠道并创新相应产品,加强与小额贷款公司、创投公司等的双方或多方合作。通过这些渠道,推出商场通、银网通、政购通、农贷通、银联通、银园保通、科创担通等体现“标准化、专业化、差异化”特色且契合市场需求的创新型产品和服务,并采取相应的风险防控措施,以更好地解决中小企业普遍面临的缺乏抵、质押物而导致的融资难,更大力度地支持中小企业发展。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a universal problem in the world. As one of the main financing channels of Chinese financial market, it is of great significance for state-owned banks to solve the financing difficulties of small and medium-sized enterprises by expanding the credit channels and product innovation of small and medium-sized enterprises.Based on the analysis of the current situation and causes of SMEs' financing difficulties, the paper summarizes the state-owned banks' capital strength, brand reputation, government and customer resources, combined with various measures of banks to deal with the financing difficulties of SMEs at present.On the basis of the six advantages of management, talent, network and innovation, it is proposed that state-owned banks should take the road of standardization, specialization and differentiation in extending credit channels for small and medium-sized enterprises and in product innovation.That is: on the basis of unique network advantages, relying on the advantages of government and customer resources, enriching and developing supply chain financing, widening and deepening traditional channels, and strengthening the expansion of channels that condense more common customers, such as specialized markets, etc.To introduce more standardized products and services, to provide more specialized products and services with the advantages of innovation, management and talent, to make a thorough effort in specialization, to strengthen the expansion of network financial channels, to offer more specialized products and services, and to provide advantages in terms of capital strength and brand reputation,Strengthen cooperation with intermediary channels such as guarantee companies, interbank channels and other channels such as venture capital companies, and introduce more differentiated products and services, leading the way in differentiation.In the current market environment, state-owned banks should expand traditional channels and innovate products, enrich and develop supply chain financing, vigorously expand network financial channels and innovate products, and strengthen the promotion and application of electronic platform of network finance.Fully expand intermediary channels and innovate products, strengthen cooperation with guarantee companies and insurance companies, fully expand common customer channels and innovate products, deepen the relationship with parks, professional markets, etc.Actively expand the industry and other channels and innovative products, and strengthen cooperation with microfinance companies, venture capital companies, etc.Through these channels, innovative products and services that embody the characteristics of "standardization, specialization, differentiation" and meet the needs of the market are introduced, such as market access, Yinzhou-Netcom, Chengshuntong, Agricultural loan Link, Silver Unicom, Yinyuan Baotong, and Kechuangtantongtong, which embody the characteristics of "standardization, specialization, differentiation" and meet the needs of the market.And take corresponding risk prevention and control measures in order to better solve the lack of credit, pledge caused by financing difficulties, and support the development of small and medium-sized enterprises.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F273.2;F832.4

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