中国建设银行唐山分行中小企业融资策略研究

发布时间：2018-06-04 18:11

本文选题：建设银行 + 中小企业　；参考：《华中科技大学》2012年硕士论文

【摘要】：近年来，我国中小企业发展势头迅猛，在国民经济中发挥着越来越重要的作用。但中小企业发展过程中也遇到了诸多问题，比如融资难问题就一直制约着中小企业的健康发展和壮大。为解决这些问题，政府出台了诸多政策，例如鼓励银行对中小企业贷款予以倾斜，人民银行也对各家银行中小企业投放贷款比例进行了规定，但收效甚微。作者以自身在建设银行近10年的实践经验，根据MBA课程中所学到的理论知识和研究方法，基于国内外已有的研究成果，从金融机构的角度，分析唐山市建设银行中小企业信贷中存在的体制、担保方式、业务品种、风险防范等方面的问题，并在此基础上提出了完善中小企业贷款的机构、创新信贷产品等对策，以期缓解中小企业融资难问题，为目前的中小企业融资提供参考，并指导作者的日常工作。本文主要包括以下内容：第一部分绪论，主要是对本文的选题背景、意义、论文研究思路和框架做了简单的介绍。第二部分相关理论综述及国内外研究现状，主要是对中小企业及战略管理的相关理论进行了理论铺垫，并且借鉴国外银行对中小企业贷款好的做法。第三部分建设银行唐山分行中小企业融资发展现状及存在的问题的分析。第四部分建设银行唐山分行中小企业贷款对策，在充分分析以上问题的基础上，，提出了发展中小企业贷款的对策。要在简化贷款流程、建立有效的考核和奖惩机制、创新中小企业贷款品种、完善风险控制体系等方面下大力气，构建自身的竞争优势。
[Abstract]:In recent years, China's small and medium-sized enterprises are developing rapidly and playing a more and more important role in the national economy. However, there are many problems in the development of small and medium-sized enterprises, such as financing difficulties have been restricting the healthy development and growth of small and medium-sized enterprises. In order to solve these problems, the government has issued many policies, such as encouraging banks to favor small and medium-sized enterprises (SMEs), and the people's Bank of China (PBOC) has made regulations on the proportion of loans made by banks to small and medium-sized enterprises (SMEs), but with little effect. From the perspective of financial institutions, based on the theoretical knowledge and research methods learned in the course of MBA, and based on the existing research results at home and abroad, the author based on his practical experience in China Construction Bank for nearly 10 years. This paper analyzes the problems existing in the credit system, guarantee mode, business variety, risk prevention and so on in the small and medium-sized enterprises credit of Tangshan Construction Bank, and puts forward some countermeasures such as perfecting the organization of the SME loan, innovating the credit products and so on. In order to alleviate the financing difficulties of SMEs, provide reference for the current SME financing, and guide the author's daily work. This paper mainly includes the following contents: The first part introduces the background, significance, research ideas and framework of this paper. The second part summarizes the relevant theories and the current research situation at home and abroad, mainly on the theory of SMEs and strategic management, and learn from the good practices of foreign banks lending to SMEs. The third part is the analysis of the present situation and existing problems of the financing of the small and medium-sized enterprises in Tangshan Branch of China Construction Bank. The fourth part of the construction bank Tangshan Branch SME loan countermeasures, on the basis of full analysis of the above problems, the development of SME loan countermeasures. We should make great efforts to simplify the loan process, establish an effective mechanism of examination, reward and punishment, innovate the varieties of loans for small and medium-sized enterprises, and perfect the risk control system, so as to build up their own competitive advantages.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F275;F832.33

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