建设银行邢台分行中小企业贷款策略研究

发布时间：2018-07-10 06:35

本文选题：商业银行 + 邢台建行　；参考：《河北工业大学》2012年硕士论文

【摘要】：近年来，随着改革开放的不断深入，我国民营经济得到了空前发展，中小企业作为民营经济的主体，在经济增长、产业结构调整和劳动力就业等方面做出了巨大的贡献，发挥着越来越重要的作用。国家和地方政府都对中小企业发展给予了大力支持和政策倾斜，作为商业银行，也越来越来重视中小企业业务，中小企业贷款业务得到了快速发展但是受中小企业自身局限和政策环境限制以及商业银行经营和风控要求等多方面因素影响，目前中小企业贷款业务发展仍存在不成熟、不完善的地方，中小企业融资难问题仍在一定程度上存在，需要进一步研究分析解决。作者在建设银行工作近二十年，对中小企业贷款业务发展有着较为深刻的认识和理解。本文依据相关中小企业贷款理论研究基础，借鉴国内外金融机构先进经验，结合邢台当地区域经济特点和中小企业贷款业务发展状况，从商业银行工作实际角度出发，对建设银行邢台分行中小企业贷款策略的现状及存在问题进行了分析研究，从业务流程优化再造、产品与服务创新、全面风险管理等方面提出了发展策略，期待着由点及面地为全行及金融同业中小企业贷款业务发展提供有益参考，并对实际工作有一定指导意义。
[Abstract]:In recent years, with the deepening of reform and opening up, China's private economy has been unprecedented development. As the main body of private economy, small and medium-sized enterprises have made great contributions in economic growth, industrial structure adjustment and labor force employment. Play a more and more important role. The state and local governments have given strong support and policy support to the development of small and medium-sized enterprises. As commercial banks, they have also paid more and more attention to the business of small and medium-sized enterprises. The loan business of small and medium-sized enterprises has been developed rapidly. However, due to the limitations of SMEs and the policy environment, the commercial banks' management and the requirements of wind control, there are still some immature factors in the development of the loan business of small and medium-sized enterprises. In the imperfect place, the financing difficulty of small and medium-sized enterprises still exists to some extent, need further research and analysis to solve. In the past twenty years, the author has a deep understanding of the development of loan business in small and medium-sized enterprises. Based on the research foundation of relevant SME loan theory and the advanced experience of domestic and foreign financial institutions, combined with the local economic characteristics of Xingtai and the development of SME loan business, this paper sets out from the practical point of view of commercial bank work. This paper analyzes the present situation and existing problems of loan strategy for small and medium-sized enterprises in Xingtai Branch of China Construction Bank, and puts forward the development strategy from the aspects of business process optimization and reengineering, product and service innovation, overall risk management, etc. It looks forward to providing a useful reference for the development of the loan business of the whole bank and the financial interbank SMEs, and it is of certain guiding significance to the practical work.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】