交通银行内蒙古分行发展中小企业融资业务的现状与对策研究

发布时间：2018-05-29 22:25

本文选题：中小企业 + 融资业务　；参考：《内蒙古大学》2012年硕士论文

【摘要】：中小企业已成为中国经济发展的一支推动力量,在促进科技进步、提高资源配置效率、增加就业以及扩大出口等方面,发挥着不可忽视且不可替代的作用。然而,融资难作为长期没有完全解决的课题,一直是制约中小企业进一步发展的主要瓶颈。虽然国家相关部门与银行先后出台的各项政策与措施促进了中小企业融资环境的改善,但中小企业融资难的呼声始终未见减弱,反而有更多和更复杂的新问题在实际操作中不断涌现。如果这一瓶颈不能有效突破,将直接影响到中小企业的健康持续发展。因此,如何解决中小企业发展过程中的融资难问题便成为当前政府、中小企业、银行以及理论界所共同关注的研究课题。本研究基于商业银行的视角,结合笔者在交通银行内蒙古分行多年的工作经验与切身体会,以信息不对称理论、信贷配给理论以及关系型贷款理论为理论基础,综合运用文献研究、数理统计分析以及归纳研究法等研究方法以及EXCEL数理统计工具,围绕“交通银行内蒙古分行发展中小企业融资业务”这一基本研究命题,深入地研究了以下三个问题：(1)利用2009年至2011年交通银行内蒙古分行的年度财务数据以及笔者对随机抽查的60户中小贷款企业的调查数据,从业务规模与效益、资产质量、金融服务品种、贷款期限、贷款价格、担保方式以及行业分布等方面对交通银行内蒙古分行发展中小企业融资业务的现状进行了分析；(2)结合交通银行内蒙古分行发展中小企业融资业务的现状,剖析了交通银行内蒙古分行发展中小企业融资业务的难点；(3)从交通银行内蒙古分行实际操作的角度出发,针对交通银行内蒙古分行发展中小企业融资业务存在的难点,系统地提出完善交通银行内蒙古分行发展中小企业融资业务的对策。通过上述研究,本文得出了具有理论性和操作性的可行结论,希望能真正促进交通银行内蒙古分行乃至我国商业银行信贷融资体系的健康发展,从而有效解决中小企业融资难的问题。
[Abstract]:Small and medium-sized enterprises (SMEs) have become a driving force in China's economic development. They play an irreplaceable role in promoting the progress of science and technology, improving the efficiency of resource allocation, increasing employment and expanding exports. However, the difficulty of financing has not been completely solved for a long time and has been the main bottleneck restricting the further development of SMEs. Although various policies and measures issued successively by relevant state departments and banks have promoted the improvement of the financing environment for small and medium-sized enterprises, the voice of financing difficulties for small and medium-sized enterprises has not been weakened. Instead, more and more complex new problems are emerging in practice. If this bottleneck can not be effectively broken through, it will directly affect the healthy and sustainable development of SMEs. Therefore, how to solve the financing difficulties in the development of SMEs has become a common concern of the government, SMEs, banks and theorists. This study is based on the perspective of commercial banks, combined with the author's working experience and personal experience in Inner Mongolia Branch of Bank of Communications for many years, based on information asymmetry theory, credit rationing theory and relational loan theory. With the comprehensive use of literature research, mathematical statistics analysis, inductive research and EXCEL statistical tools, this paper focuses on the basic research proposition of "developing financing business of small and medium-sized enterprises in Inner Mongolia Branch of Bank of Communications". This paper deeply studies the following three questions: 1) using the annual financial data of Inner Mongolia Branch of Bank of Communications from 2009 to 2011 and the survey data of 60 small and medium-sized loan enterprises randomly selected by the author, from business scale and benefit, asset quality. Types of financial services, loan maturity, loan price, From the aspects of guarantee mode and industry distribution, this paper analyzes the present situation of the development of SME financing business in Inner Mongolia Branch of Bank of Communications, combined with the current situation of developing SME financing business in Inner Mongolia Branch of Bank of Communications. This paper analyzes the difficulties of developing the financing business of small and medium-sized enterprises in Inner Mongolia Branch of Bank of Communications, starting from the practical operation of Inner Mongolia Branch of Bank of Communications, aiming at the difficulties existing in the development of financing business of small and medium-sized enterprises in Inner Mongolia Branch of Bank of Communications. Put forward the countermeasure of perfecting the Inner Mongolia Branch of Bank of Communications to develop the financing business of small and medium-sized enterprises. Through the above research, this paper draws a feasible conclusion with theory and operation, hoping to promote the healthy development of the credit financing system of Bank of Communications Inner Mongolia Branch and even China's commercial banks. In order to effectively solve the financing difficulties of small and medium-sized enterprises.
【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】：F832.2

【参考文献】