包商银行赤峰分行开展小微企业融资服务问题研究

发布时间：2018-05-21 10:54

本文选题：小微企业 + 融资　；参考：《辽宁大学》2012年硕士论文

【摘要】：改革开放以来,赤峰地区的小微企业的发展非常迅速,规模也越来越大,已经成为促进赤峰地区国民经济增长的一股重要的力量。同时,小微企业对资金和其它金融服务的需求也逐渐增加。然而,相对于大型企业而言,小微企业缺乏系统的报表和抵押物,导致赤峰地区其它一些金融机构对小微企业的融资风险考虑再三,望而止步。本论文结合工作中的实践,根据融资理论、信贷技术、融资成本以及包商银行赤峰分行小微企业融资业务的现状和特点进行分析,并结合赤峰地区小微企业的实际情况,找出包商银行赤峰分行在小微企业融资业务的开展中存在的问题,并探寻进一步的服务策略,例如：贴近市场需求,不断创新金融产品、服务手段、担保方式和管理机制,进一步拓宽小微企业融资渠道,解决赤峰地区小微企业“急”“频”“难”等问题,从而更好地服务地方经济。能够使包商银行赤峰分行在小微企业融资业务服务领域中取得更大的突破,让小微企业在活跃市场、拉动内需、创造就业、保持社会稳定等方面的巨大作用得以充分发挥。本文不仅仅停留在理论探讨阶段,而是结合了包商银行赤峰分行的实际、小微企业融资发展需要和同业实践经验,提出有关问题并进行了具体的分析,探索出了具有较强操作性的融资服务策略。
[Abstract]:Since the reform and opening up, the development of small and micro enterprises in Chifeng area is very rapid, and the scale is becoming larger and larger, which has become an important force to promote the growth of national economy in Chifeng region. At the same time, the demand for capital and other financial services by small and micro-enterprises has gradually increased. However, compared with large enterprises, small and micro enterprises lack systematic statements and collateral, which leads other financial institutions in Chifeng area to think twice about the financing risk of small and micro enterprises and hope to stop. According to the financing theory, credit technology, financing cost, and the current situation and characteristics of the financing business of Chifeng branch of the contractor bank, this paper analyzes the actual situation of the small and micro enterprises in Chifeng area. To find out the problems of Chifeng Branch of contractor Bank in the development of financing business of small and micro enterprises, and to explore further service strategies, such as: close to market demand, innovation of financial products, means of service, guarantee method and management mechanism, To further broaden the financing channels of small and micro enterprises, to solve the Chifeng area small and micro enterprises "urgent" frequency "difficult" and other problems, so as to better serve the local economy. It can make the contractor bank Chifeng branch make a greater breakthrough in the field of financing services of small and micro enterprises, and make small and micro enterprises play a great role in activating the market, stimulating domestic demand, creating employment, maintaining social stability and so on. This paper not only stays in the stage of theoretical discussion, but also combines the reality of Chifeng Branch of the contractor Bank, the financing development needs of small and micro enterprises and the practical experience of the same industry, and puts forward the relevant problems and makes a concrete analysis. To explore a strong operational financing service strategy.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【参考文献】