XX商业银行小微企业融资业务广西市场拓展问题研究

发布时间：2018-07-29 19:54

【摘要】：随着我国市场经济不断发展,小微企业已经成为推动国民经济发展、促进社会稳定、构建多元化市场经济主体、缓解就业压力的重要力量,我国社会经济可持续发展进程的进一步深化离不开小微企业的健康发展。然而当前,小微企业发展中最大的瓶颈是巨大的融资需求和小微企业融资难的现状之间的矛盾,这是小微企业自身特征与商业银行风险偏好之间博弈的结果。商业银行小微企业融资问题,是目前金融领域研究的热点问题。从理论上讲,由于受到范围经济理论、市场细分理论和比较优势理论的驱动,商业银行开始关注小微企业金融领域并向小微企业提供相关融资业务,然而我们也应该看到,国外学者的研究成果和一些国际上关于商业银行拓展小微企业融资业务的先进经验,大多基于国外经济环境,对我国新兴的商业银行小微企业融资业务领域缺乏研究深度和现实意义,这些理论和方法并不完全适用于中国,不能简单地照搬照抄。本论文采用比较分析法、案例分析法等研究方法,通过对xx商业银行基于广西市场拓展的小微企业融资业务考察及案例分析,探寻xx商业银行小微企业融资业务拓展存在的问题,并研究分析包括商业银行个体自身、小微企业内部情况、金融市场环境等因素,结合相关理论对存在的问题、原因及对策进行分析研究,最后提出了商业银行拓展小微企业融资业务的改进途径以及针对不足提出的对策建议,以期为商业银行尤其在广西市场拓展小微企业融资业务提供有益借鉴,为小微企业自身发展及政府管理等相关法律法规建设提供有益启示。
[Abstract]:With the continuous development of China's market economy, small and micro enterprises have become an important force to promote the development of the national economy, promote social stability, build a diversified market economy, and ease the pressure of employment. The process of sustainable social and economic development in China can not be further deepened without the healthy development of small and micro enterprises. However, at present, the biggest bottleneck in the development of small and micro enterprises is the contradiction between the huge financing demand and the current situation of financing difficulties of small and micro enterprises, which is the result of the game between the characteristics of small and micro enterprises and the risk preference of commercial banks. The financing of small and micro enterprises in commercial banks is a hot issue in the field of finance. Theoretically, driven by scope economy theory, market segmentation theory and comparative advantage theory, commercial banks begin to pay attention to the financial field of small and micro enterprises and provide related financing services to small and micro enterprises. However, we should also see that, Most of the research results of foreign scholars and some advanced international experiences on the development of small and microenterprise financing by commercial banks are based on the foreign economic environment. There is a lack of depth and practical significance in the field of financing of small and micro enterprises in China's new commercial banks. These theories and methods are not fully applicable to China and can not be copied simply. This paper uses comparative analysis, case analysis and other research methods, through xx commercial bank based on Guangxi market expansion of small and micro enterprises financing business investigation and case analysis. To explore the problems existing in the development of the financing business of xx commercial bank, and to study and analyze the factors including the individual of the commercial bank, the internal situation of the small and micro enterprise, the financial market environment and so on, and combine the relevant theories to analyze the existing problems. The reasons and countermeasures are analyzed and studied. Finally, the author puts forward the ways to improve the financing business of small and micro enterprises in commercial banks and the countermeasures and suggestions to solve the problems. The purpose of this paper is to provide useful reference for commercial banks to expand the financing business of small and micro enterprises especially in Guangxi market and to provide useful enlightenment for the development of small and micro enterprises and the construction of relevant laws and regulations such as government management.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F276.3

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