国家开发银行宁夏分行中小企业信贷业务发展研究
发布时间：2018-09-11 21:38
【摘要】：近年来,中小企业发展迅速,已经成为促进我国经济发展最具活力的增长点和统筹城乡发展、构建和谐社会的重要载体。自2004年开始,国家开发银行宁夏分行贯彻国家发展战略要求,从市场建设、信用建设和制度建设入手,深入实际开展中小企业贷款,对促进城乡就业创业、增强经济活力、缓解中小企业融资难和实现人人享有平等融资权利等起到了良好效果。但是,由于宁夏地区中小企业自身固有不足,国家开发银行宁夏分行内部经营环境缺陷以及外部融资环境的不完善等因索,导致国家开发银行宁夏分行中小企业信贷业务发展面临诸多问题。本文从宁夏地区中小企业发展及融资现状出发,在分析开发性金融支持宁夏地区中小企业贷款模式及总体情况的基础上,提出目前国家开发银行宁夏分行开展中小企业信贷业务存在的问题,并试图探索出解决问题的策略和工作方法,以期推动中小企业信贷业务又好又快地发展。
[Abstract]:In recent years, small and medium-sized enterprises have developed rapidly, which has become the most dynamic growth point of economic development in China and an important carrier to coordinate urban and rural development and build a harmonious society. Since 2004, the Ningxia Branch of the China Development Bank has carried out the national development strategy, started with market construction, credit construction and system construction, carried out loans to small and medium-sized enterprises in practice, which will promote urban and rural employment entrepreneurship and enhance economic vitality. Easing the financing difficulties of small and medium-sized enterprises and realizing equal financing rights for all have played a good role. However, due to the inherent deficiencies of the small and medium-sized enterprises in Ningxia region, the defects in the internal operating environment of the Ningxia Branch of the China Development Bank and the imperfection of the external financing environment, As a result, China Development Bank Ningxia Branch of small and medium-sized credit business development faces many problems. Based on the development and financing status of small and medium-sized enterprises in Ningxia, this paper analyzes the loan mode and the overall situation of developing finance to support small and medium-sized enterprises in Ningxia. This paper puts forward the problems existing in the credit business of small and medium-sized enterprises in Ningxia Branch of China Development Bank, and tries to find out the strategies and working methods to solve the problem, in order to promote the development of credit business of small and medium-sized enterprises well and quickly.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
本文编号：2237928
[Abstract]:In recent years, small and medium-sized enterprises have developed rapidly, which has become the most dynamic growth point of economic development in China and an important carrier to coordinate urban and rural development and build a harmonious society. Since 2004, the Ningxia Branch of the China Development Bank has carried out the national development strategy, started with market construction, credit construction and system construction, carried out loans to small and medium-sized enterprises in practice, which will promote urban and rural employment entrepreneurship and enhance economic vitality. Easing the financing difficulties of small and medium-sized enterprises and realizing equal financing rights for all have played a good role. However, due to the inherent deficiencies of the small and medium-sized enterprises in Ningxia region, the defects in the internal operating environment of the Ningxia Branch of the China Development Bank and the imperfection of the external financing environment, As a result, China Development Bank Ningxia Branch of small and medium-sized credit business development faces many problems. Based on the development and financing status of small and medium-sized enterprises in Ningxia, this paper analyzes the loan mode and the overall situation of developing finance to support small and medium-sized enterprises in Ningxia. This paper puts forward the problems existing in the credit business of small and medium-sized enterprises in Ningxia Branch of China Development Bank, and tries to find out the strategies and working methods to solve the problem, in order to promote the development of credit business of small and medium-sized enterprises well and quickly.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
【参考文献】
相关期刊论文 前3条
1 罗仁富;蒋利萍;;农行小企业信贷业务发展状况及建议[J];贵州农村金融;2007年06期
2 张涛;;中小企业信贷融资的基本特点和我国的现状[J];中国金融;2009年21期
3 杨林;;解决中小企业融资难的路径[J];中国国情国力;2009年05期
，本文编号：2237928
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