包商银行宁波分行对中小企业金融支持制度研究

发布时间：2018-07-20 17:17

【摘要】：中小企业融资的主要来源是商业银行的信贷,对包商银行宁波分行对中小企业金融支持制度进行研究,不仅有利于商业银行为自身开辟新的盈利来源、提高自身资本充足率、增加商业银行的竞争力,更重要的是在我国目前的经济环境下对中小企业融资具有重要意义。本文就针对中小企业融资问题对包商银行宁波分的信贷支持制度进行了研究,在相关理论的基础上进行了深入分析,并得出结论。本文运用了文案调查法、个案研究法、归纳总结法等方法,在相关的理论基础上,以包商银行宁波分行为例,展开了对中小企业金融支持制度的研究。文章主要围绕商业银行在解决中小企业融资问题中能够发挥重要作用这个核心,逐步深入,分析包商银行宁波分行在金融支持制度方面的缺陷,最后提出相应对策。本文一共分为五大部分,第一部分绪论,主要介绍了文章的研究背景和研究意义,笔者查询了大量文献资料,包括国内外的商业银行对中小企业信贷支持的文献,并对国内外的研究进行了总结,为本文的研究做好基础。第二部分是商业银行对中小企业金融支持制度的理论介绍,主要介绍了中小企业融资的概念,以及中小企业融资的主要方式和主要来源等,分析了中小企业融资难的主要原因,由此推出商业银行完善中小企业金融支持制度的必须性；第三部分是对包商银行宁波分行的金融支持制度的具体分析,介绍了包商银行宁波分行的信贷业务发展情况,银行的业务情况,以及对中小企业的信贷支持情况,重点分析了包商银行宁波分行对中小企业金融支持制度中存在的缺陷,这些缺陷主要表现在银行对中小企业的信贷支持力度上,银行对中小企业支持的传统观念上,银行对中小企业信贷制度上,银行对中小企业金融支持制度上；第四部分,包商银行宁波分行完善对中小企业金融支持制度提出了具体建议,主要从构建独立中小企业核算机制,扩大服务范围处罚,建议包商银行宁波分行开展中小企业贷款承诺业务,以此来促进中小企业的资金流动,在业务方面要加快业务创新,来分散在信贷过程中可能会出现的各种风险,降低信贷风险带来的损失,此外包商银行宁波分行还要完善信用评级体系,为中小企业提供有效信息平台,以保证中小企业信贷工作的顺利进行。文章的最后概括了本文的创新点与展望。
[Abstract]:The main source of financing for SMEs is the credit of commercial banks. The study on the financial support system for SMEs by Ningbo Branch of the contractor Bank is not only conducive to opening up new profit sources for commercial banks, but also improving their capital adequacy ratio. Increasing the competitiveness of commercial banks is of great significance to the financing of small and medium-sized enterprises in the present economic environment of our country. This paper studies the credit support system of Ningbo branch of the contractor bank in view of the financing problem of small and medium-sized enterprises, and makes a deep analysis on the basis of relevant theories, and draws a conclusion. Based on the relevant theories, this paper takes Ningbo Branch of the contractor Bank as an example to carry out the research on the financial support system of small and medium-sized enterprises by using the methods of case study, case study and summing up. Focusing on the core that commercial banks can play an important role in solving the financing problems of small and medium-sized enterprises, the paper analyzes the defects of Ningbo Branch of the contractor Bank in the financial support system, and finally puts forward the corresponding countermeasures. This paper is divided into five parts altogether, the first part is introduction, mainly introduced the research background and the research significance of the article, the author inquired the massive literature material, including the domestic and foreign commercial banks to the small and medium-sized enterprise credit support literature, The research at home and abroad is summarized, which makes a good foundation for the research of this paper. The second part is the theoretical introduction of the financial support system for SMEs by commercial banks, mainly introduces the concept of SME financing, as well as the main ways and sources of SME financing, and analyzes the main reasons for the financing difficulties of SMEs. The third part is the detailed analysis of the financial support system of the Ningbo Branch of the contractor Bank, and introduces the development of the credit business of the Ningbo Branch of the contractor Bank. The bank's business situation, as well as the credit support to small and medium-sized enterprises, focuses on the defects in the financial support system of the Ningbo Branch of the contractor Bank to small and medium-sized enterprises. These defects are mainly manifested in the credit support of banks to SMEs, the traditional concept of bank support to SMEs, the credit system of banks to SMEs, the financial support system of banks to SMEs; the fourth part, The Ningbo Branch of the Bank of contractors has put forward specific proposals for improving the financial support system for small and medium-sized enterprises, mainly from establishing an independent accounting mechanism for small and medium-sized enterprises, expanding the scope of service penalties, and advising the Ningbo branch of the contractor's bank to carry out the loan commitment business for small and medium-sized enterprises. In order to promote the financial flow of small and medium-sized enterprises, we should speed up business innovation in business, spread out the various risks that may arise in the credit process, and reduce the losses caused by credit risks. In addition, the Ningbo Branch of the contractor Bank should improve the credit rating system, provide an effective information platform for SMEs to ensure the smooth progress of the SME credit work. At the end of the article, the innovation and prospect of this paper are summarized.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;F276.3

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