商业银行中小企业融资业务创新研究
发布时间：2018-09-07 18:21
【摘要】：本文以研究商业银行中小企业融资业务创新为核心,以分析当前中小企业融资模式及政策环境为辅助,以探索可行的新型融资业务模式为目标,力求提高商业银行信贷业务效率,同时降低业务风险,从而改善中小企业融资环境,让具有良好潜质的中小企业可以更便利地从正规、安全的渠道获取金融资源。本文将首先介绍国内外政府关于中小企业融资方面的扶持政策和措施,进而分析当前国内中小企业生存特点及融资环境,以及目前国内大型商业银行关于中小企业融资方面的业务模式,并寻找各自的问题与不足。在明确了中小企业融资需求的相关问题及银行融资业务的局限与不足之后,借助“大数据”思维、电子商务等新的思维角度对中小企业融资业务进行模式创新。同时,为使创新能够得到实效,本文将围绕推进商业银行融资业务的发展,提出相关的建议。论文的最后将对全文分析进行总结,并得出最终的结论,明确商业银行发展中小企业金融服务的必要性,以及改善中小企业发展环境的重要性。
[Abstract]:This paper focuses on the research on the innovation of SME financing business in commercial banks, analyzes the current SME financing mode and policy environment, and explores the feasible new financing business model. In order to improve the efficiency of commercial bank credit business and reduce the risk of business, the financing environment of small and medium-sized enterprises can be improved, so that SMEs with good potential can obtain financial resources more conveniently from formal and safe channels. This paper will first introduce the domestic and foreign government support policies and measures on SME financing, and then analyze the existing characteristics and financing environment of domestic SMEs. And the current domestic large-sized commercial banks on the financing of SMEs business model, and to find their own problems and deficiencies. After clarifying the problems related to the financing needs of small and medium-sized enterprises and the limitations and shortcomings of bank financing business, this paper innovates the mode of financing business of small and medium-sized enterprises with the help of "big data" thinking, electronic commerce and other new thinking angles. At the same time, in order to make innovation effective, this paper will focus on the development of commercial bank financing business, and put forward relevant suggestions. At the end of the thesis, the author summarizes the whole paper and draws the final conclusion, which makes clear the necessity of developing the financial service of small and medium-sized enterprises in commercial banks and the importance of improving the environment for the development of small and medium-sized enterprises.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
本文编号：2229056
[Abstract]:This paper focuses on the research on the innovation of SME financing business in commercial banks, analyzes the current SME financing mode and policy environment, and explores the feasible new financing business model. In order to improve the efficiency of commercial bank credit business and reduce the risk of business, the financing environment of small and medium-sized enterprises can be improved, so that SMEs with good potential can obtain financial resources more conveniently from formal and safe channels. This paper will first introduce the domestic and foreign government support policies and measures on SME financing, and then analyze the existing characteristics and financing environment of domestic SMEs. And the current domestic large-sized commercial banks on the financing of SMEs business model, and to find their own problems and deficiencies. After clarifying the problems related to the financing needs of small and medium-sized enterprises and the limitations and shortcomings of bank financing business, this paper innovates the mode of financing business of small and medium-sized enterprises with the help of "big data" thinking, electronic commerce and other new thinking angles. At the same time, in order to make innovation effective, this paper will focus on the development of commercial bank financing business, and put forward relevant suggestions. At the end of the thesis, the author summarizes the whole paper and draws the final conclusion, which makes clear the necessity of developing the financial service of small and medium-sized enterprises in commercial banks and the importance of improving the environment for the development of small and medium-sized enterprises.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
【参考文献】
相关期刊论文 前4条
1 徐志宏;;商业银行客户服务与金融创新[J];金融论坛;2007年06期
2 刘小明;;商业银行集团客户信贷风险溯源及防范机制优化[J];当代经济科学;2005年06期
3 傅子能;;商业银行防范中小企业信贷风险研究[J];经济师;2009年03期
4 Dingxiang WANG;Zhengmei ZHANG;lingli LI;;Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises[J];Agricultural Science & Technology;2014年07期
，本文编号：2229056
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2229056.html
