包商银行微小企业金融服务研究

发布时间：2018-05-19 20:13

本文选题：包商银行 + 微小企业　；参考：《内蒙古大学》2012年硕士论文

【摘要】：中小商业银行是大多数国家金融体系的重要组成部分,与大型银行机构互为补充,是银行业体系健康持续发展的基础,是世界多数国家银行体系不可缺的组成部分。我国中小商业银行从成立至今,在化解地方金融风险,支持地方经济等方面都取得了较好的成绩,尤其是在解决中小企业融资难的问题上,更是成效显著。包商银行作为众多中小商业银行中的一员,近年来一直致力于加强和改善微小企业金融服务,坚持“差异化生存、特色化发展”的战略思路,大胆尝试独特的发展路径,努力开拓细分市场的业务蓝海,通过优化服务模式,改造业务流程,形成了比较好的竞争优势。从这个意义上来说,大力发展微小金融服务,是包商银行改变服务模式的重要举措。本文意义就在于通过研究包商银行微小企业金融服务,使包商银行认清不足,改革优化,实现包商银行的可持续发展。本文从研究微小企业金融服务发展的基本理论入手,利用金融风险理论等,并结合当前金融形势,对包商银行微小企业金融服务现状及存在的问题进行了深入分析,并在此基础上提出了要加强内部建设、拓宽业务领域、优化微小企业金融服务、加强对微小企业金融服务风险防范措施等建议,从而进一步提升包商银行的品牌实力,实现可持续发展。
[Abstract]:Small and medium-sized commercial banks are an important part of the financial system of most countries and complement each other with large banking institutions. They are the basis for the healthy and sustainable development of the banking system and an indispensable part of the banking systems of most countries in the world. Since its establishment, small and medium-sized commercial banks in China have made good achievements in resolving local financial risks and supporting local economy, especially in solving the problem of financing difficulties for small and medium-sized enterprises. As a member of many small and medium-sized commercial banks, the contractor bank has been committed to strengthening and improving the financial services of small and medium-sized enterprises in recent years, adhering to the strategic thinking of "differentiation survival, characteristic development", and boldly trying out a unique development path. By optimizing the service mode and transforming the business process, it has formed a better competitive advantage. In this sense, the development of micro-financial services is an important measure for the contractor banks to change the service model. The significance of this paper lies in the study of the financial services of the small and medium-sized enterprises of the contractor bank, so as to make the contractor bank recognize the deficiency, reform and optimize, and realize the sustainable development of the contractor bank. Starting with the basic theory of the development of financial services for small and medium-sized enterprises, this paper makes a thorough analysis of the present situation and existing problems of the financial services of small and medium-sized enterprises in contractor banks by using the theory of financial risk and combining with the current financial situation. On this basis, some suggestions are put forward, such as strengthening the internal construction, broadening the business field, optimizing the financial services of small and medium-sized enterprises, strengthening the risk prevention measures for the financial services of small and medium-sized enterprises, and so on, so as to further enhance the brand strength of the contractors' banks. Achieving sustainable development.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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