包商银行中小企业金融服务创新研究
发布时间：2018-08-04 11:31
【摘要】：中小企业是与同行业的大型企业比较相对较小的经济单位。就我国目前的发展趋势而言,中小企业对促进国民经济增长、缓解就业压力、调整和优化经济结构、增加财政收入发挥着重要的作用。然而,我国中小企业的发展面临诸多困难,其中中小企业所普遍面临的融资困境已成为制约中小企业可持续发展的瓶颈。 包商银行是一家新兴的股份制商业银行,成立于1998年,前身是包头市商业银行。自成立以来,包商银行始终高度重视发展中小企业金融业务,通过与德国IPC公司精诚合作,已逐渐形成自己的经营特色,并探索出一条差异化、特色化的发展道路。近几年来包商银行以超前的经营理念、简便的信贷流程不断服务于中小企业,成为支持中小企业发展的忠实伙伴。 本文将以中小企业为线索,分析中小企业融资现状,深刻探讨造成该问题的根本原因及解决该问题的一般思路。同时本文将从包头市场出发,结合包商银行现有的信贷模式,提出解决该问题的行之有效的对策。此外,本文还会介绍包商银行支持中小企业融资的举措及产品创新。
[Abstract]:Small and medium-sized enterprises are relatively small economic units compared with large enterprises in the same industry. As far as the current development trend of our country is concerned, small and medium-sized enterprises play an important role in promoting the growth of national economy, relieving the pressure of employment, adjusting and optimizing the economic structure and increasing the financial revenue. However, the development of small and medium-sized enterprises in China is facing many difficulties, and the financing difficulties faced by small and medium-sized enterprises have become the bottleneck restricting the sustainable development of small and medium-sized enterprises. Contractor Bank is a new joint-stock commercial bank, founded in 1998, formerly Baotou City Commercial Bank. Since its establishment, the contractor bank has always attached great importance to the development of financial services for small and medium-sized enterprises. Through sincere cooperation with Germany's IPC Corporation, it has gradually formed its own management characteristics and explored a differentiated and characteristic development path. In recent years, the contractor bank has become a faithful partner to support the development of small and medium-sized enterprises with advanced management concept and simple credit process. This article will take the small and medium-sized enterprise as the clue, analyzes the small and medium-sized enterprise financing present situation, deeply discusses the root cause which causes this question and the general thought which solves this question. At the same time, this article will start from the market of Baotou, combine the existing credit mode of the contractor bank, put forward the effective countermeasure to solve this problem. In addition, this article will also introduce the contractor bank to support SME financing initiatives and product innovation.
【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】：F832.33
本文编号：2163853
[Abstract]:Small and medium-sized enterprises are relatively small economic units compared with large enterprises in the same industry. As far as the current development trend of our country is concerned, small and medium-sized enterprises play an important role in promoting the growth of national economy, relieving the pressure of employment, adjusting and optimizing the economic structure and increasing the financial revenue. However, the development of small and medium-sized enterprises in China is facing many difficulties, and the financing difficulties faced by small and medium-sized enterprises have become the bottleneck restricting the sustainable development of small and medium-sized enterprises. Contractor Bank is a new joint-stock commercial bank, founded in 1998, formerly Baotou City Commercial Bank. Since its establishment, the contractor bank has always attached great importance to the development of financial services for small and medium-sized enterprises. Through sincere cooperation with Germany's IPC Corporation, it has gradually formed its own management characteristics and explored a differentiated and characteristic development path. In recent years, the contractor bank has become a faithful partner to support the development of small and medium-sized enterprises with advanced management concept and simple credit process. This article will take the small and medium-sized enterprise as the clue, analyzes the small and medium-sized enterprise financing present situation, deeply discusses the root cause which causes this question and the general thought which solves this question. At the same time, this article will start from the market of Baotou, combine the existing credit mode of the contractor bank, put forward the effective countermeasure to solve this problem. In addition, this article will also introduce the contractor bank to support SME financing initiatives and product innovation.
【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】：F832.33
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