大连银行小企业授信业务发展对策研究

发布时间：2018-05-01 00:24

本文选题：大连银行 + 小企业　；参考：《大连理工大学》2012年硕士论文

【摘要】：近年来,国家针对中小企业的一系列扶持政策相继出台,中小企业呈现蓬勃发展的良好态势。这是一个机遇与竞争并存的时代,中小企业面临着复杂多变的国内外形势,既有世界经济复苏、国内消费增长、扶持政策等有利因素,也同样存在着外部需求疲软、经营成本高、转型升级困难等不利因素。而对于国内众多的商业银行来说,已经把发展中小企业金融服务作为工作的重点,从而展开了针对中小企业授信业务的激烈竞争。作者根据在大连银行的工作实践,以大连银行小企业授信业务的发展现状为研究背景,依据MBA阶段所学的理论知识和研究方法,从城市商业银行的角度来分析大连银行小企业授信业务中存在的授信业务流程、客户选择、贷后监控、金融产品等方面的问题,并在此基础上就如何解决大连银行有效、快速发展小企业授信业务提出了对策及建议。本文的主要内容如下：第一章,绪论,阐明选题背景与意义,基于国内外文献总结和归纳；第二章,从小企业的界定入手,阐述了我国小企业的发展现状、融资现状及融资存在的问题,并对商业银行小企业授信业务进行了简要概述。第三章,着重阐述了大连银行小企业授信业务发展的现状,通过对小企业授信业务进行深入的数据分析,引申出大连银行发展小企业授信业务所存在的问题。第四章,主要从建立小企业金融模式、实施风险管理、融资机制联动、金融产品创新、内控制度建设及机制创新这五个方而做了系统的分析,进一步分析得出大连银行发展小企业授信业务的政策建议。
[Abstract]:In recent years, a series of support policies for small and medium enterprises have been introduced, and small and medium enterprises have shown a good trend of flourishing development. This is an era of opportunity and competition. Small and medium-sized enterprises are faced with complex and changeable domestic and foreign situations, which have both the recovery of the world economy, the growth of domestic consumption, and the supporting policies. With the weakness of external demand, high operating cost and difficult transformation and upgrading, for many commercial banks in China, the development of small and medium-sized enterprises' financial services has been the focus of the work, and the fierce competition for the credit business of small and medium-sized enterprises has been launched.
According to the work practice in the Bank of Dalian, the author takes the development status of the small business credit business of the Bank of Dalian as the research background. According to the theoretical knowledge and research methods studied in the MBA stage, the author analyzes the credit business process, the customer selection, the post loan monitoring and the finance from the angle of the city commercial bank, from the angle of the city commercial bank. On the basis of this, the paper puts forward some countermeasures and suggestions on how to effectively and quickly develop the credit business of small businesses in Dalian bank.
The main contents of this paper are as follows:
The first chapter, introduction, explains the background and significance of the topic selection.
The second chapter, starting with the definition of small enterprises, expounds the development status of small enterprises in China, the present situation of financing and the existing problems of financing, and gives a brief overview of the credit business of small business banks.
The third chapter emphatically expounds the present situation of the development of the credit business of small enterprises in Dalian bank. Through in-depth data analysis on the credit business of small enterprises, the problems existing in the credit business of the development of small enterprises in Dalian bank are extended.
The fourth chapter, mainly from the establishment of small business financial model, the implementation of risk management, financing mechanism linkage, financial product innovation, internal control system construction and mechanism innovation of the five parties and made a systematic analysis, further analysis of the Dalian bank to develop small business credit business policy recommendations.

【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】