铁岭银行中小企业信贷模式创新研究
发布时间：2019-05-18 23:40
【摘要】：随着经济的发展和对外开放的逐步深化,众多金融机构参与到中国银行市场的竞争中。五家国有商业银行占据了中国银行市场的半壁江山,同时众多的外资银行的进入,无论是从资金规模、银行实力上,还是从业务水平、品牌效应上,中国城市商业银行都面临着严峻的竞争压力。中小企业信贷业务的发展,为城市性商业银行的发展提供了广阔的市场空间和发展潜力,给银行业的发展带来了新的利润增长点,成为各个银行争先抢夺的新的战场,金融机构之间及银行业内部的竞争日趋激烈。 本文从铁岭银行及中小企业的实际情况出发,借鉴有益经验,以银行视角探讨铁岭银行中小企业的信贷模式。希望能够构建一种符合铁岭银行特点和中小企业经济发展情况、能够发挥优势同时带来良好效果的中小企业信贷经营模式,从而促进铁岭银行的发展。 本文研究的重点是铁岭银行中小企业信贷创新模式。文章共分六个部分进行阐述。其中主要的内容如下,首先对城市商业银行与中小企业信贷的相关概念及理论进行了阐述,接下来分析了铁岭银行中小企业信贷的现状以及其在中小企业信贷业务发展中存在的问题,并从问题出发提出了适合铁岭银行中小企业发展的创新模式和实施新模式的配套措施和政策。
[Abstract]:With the development of economy and the deepening of opening to the outside world, many financial institutions participate in the competition of Bank of China market. Five state-owned commercial banks account for half of the Bank of China's market. At the same time, the entry of many foreign banks, whether in terms of capital size, bank strength, business level, brand effect, China's city commercial banks are facing severe competitive pressure. The development of credit business of small and medium-sized enterprises provides a broad market space and development potential for the development of urban commercial banks, brings new profit growth points to the development of the banking industry, and becomes a new battlefield for banks to strive for first. Competition among financial institutions and within the banking industry is becoming increasingly fierce. Based on the actual situation of Tieling Bank and small and medium-sized enterprises, this paper discusses the credit model of Tieling Bank small and medium-sized enterprises from the perspective of banks. It is hoped that a credit management model of small and medium-sized enterprises can be constructed, which accords with the characteristics of Tieling Bank and the economic development of small and medium-sized enterprises, and can give full play to its advantages and bring good results, so as to promote the development of Tieling Bank. The focus of this paper is the credit innovation model of small and medium-sized enterprises in Tieling Bank. The article is divided into six parts to elaborate. The main contents are as follows: first of all, the related concepts and theories of urban commercial banks and small and medium-sized enterprise credit are expounded. Then it analyzes the present situation of the credit of small and medium-sized enterprises in Tieling Bank and the problems existing in the development of the credit business of small and medium-sized enterprises. From the point of view of the problem, this paper puts forward the innovative mode suitable for the development of small and medium-sized enterprises in Tieling Bank and the supporting measures and policies for the implementation of the new model.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
本文编号：2480438
[Abstract]:With the development of economy and the deepening of opening to the outside world, many financial institutions participate in the competition of Bank of China market. Five state-owned commercial banks account for half of the Bank of China's market. At the same time, the entry of many foreign banks, whether in terms of capital size, bank strength, business level, brand effect, China's city commercial banks are facing severe competitive pressure. The development of credit business of small and medium-sized enterprises provides a broad market space and development potential for the development of urban commercial banks, brings new profit growth points to the development of the banking industry, and becomes a new battlefield for banks to strive for first. Competition among financial institutions and within the banking industry is becoming increasingly fierce. Based on the actual situation of Tieling Bank and small and medium-sized enterprises, this paper discusses the credit model of Tieling Bank small and medium-sized enterprises from the perspective of banks. It is hoped that a credit management model of small and medium-sized enterprises can be constructed, which accords with the characteristics of Tieling Bank and the economic development of small and medium-sized enterprises, and can give full play to its advantages and bring good results, so as to promote the development of Tieling Bank. The focus of this paper is the credit innovation model of small and medium-sized enterprises in Tieling Bank. The article is divided into six parts to elaborate. The main contents are as follows: first of all, the related concepts and theories of urban commercial banks and small and medium-sized enterprise credit are expounded. Then it analyzes the present situation of the credit of small and medium-sized enterprises in Tieling Bank and the problems existing in the development of the credit business of small and medium-sized enterprises. From the point of view of the problem, this paper puts forward the innovative mode suitable for the development of small and medium-sized enterprises in Tieling Bank and the supporting measures and policies for the implementation of the new model.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
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