商业银行科技型中小企业信贷模式创新研究

发布时间：2018-01-31 20:20

本文关键词： 信息不对称信贷创新科技型中小企业桥隧模式融资　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国科技型中小企业无论是在促进国家经济社会发展方面，还是在基于产业链经济背景下审视其对供应链竞争力的提升效果方面，都发挥着举足轻重的作用。科技型中小企业却因深受“资金缺口”困扰，发展受到严重制约。现阶段，银行占据了我国绝大部分金融资源，银行信贷融资仍是科技型中小企业获得资金支持的主要渠道。而科技型中小企业面临的信贷融资形势较为严峻，信贷支持的不足使得科技型中小企业错失了良好的发展机遇。特别是在金融危机爆发后，因资金缺乏，大多数科技型中小企业面临经营困境，抗风险能力差的问题凸显，解决科技型中小企业信贷融资问题迫在眉睫。本文首先对国内外有关科技型中小企业信贷融资的经典理论及研究成果进行了归纳论述。目前有关科技型中小企业融资问题解决对策方面的研究成果主要集中在：大力发展中小金融机构和担保机构、开展关系型贷款以及推动利率市场化等方面。事实证明，由于我国目前所处的经济发展阶段所造成的诸多限制，，上述方法有的短时间内难以见效，有的收效甚小，有的全面推广的意义不大。本文以信息不对称等相关理论为基础，对导致科技型中小企业信贷融资难问题的成因进行了分析，认为根源在于同大企业相比科技型中小企业缺乏信贷融资所必需的信息优势。解决或缓解银企双方信息不对称，降低交易成本是解决科技型中小企业信贷融资难的关键。在我国现阶段客观条件既定的情况下，商业银行信贷产品创新是解决科技型中小企业信贷融资问题的有效途径。本文从解决导致科技型中小企业信贷融资难的成因入手，在信贷理念创新的基础上，结合科技型中小企业特点，结合案例提出“科技型中小企业桥隧模式融资”创新业务，对业务评估体系、操作流程以及风险管理手段等进行了创新，旨在为科技型中小企业的融资问题提供有效途径。
[Abstract]:China's small and medium-sized science and technology enterprises in promoting national economic and social development, or based on the economic background of the industrial chain to examine its competitiveness in the supply chain to enhance the effectiveness. Science and technology SMEs are troubled by the "fund gap", and their development is seriously restricted. At this stage, banks account for the majority of financial resources in our country. Bank credit financing is still the main channel for SMEs to obtain financial support. The lack of credit support makes the technology-based SMEs miss the good development opportunities. Especially after the financial crisis most of the technology-based SMEs are faced with management difficulties because of the lack of funds. The problem of poor ability to resist risks is prominent, and it is urgent to solve the problem of credit financing for small and medium-sized technological enterprises. In this paper, the classical theory and research results of credit financing for science and technology SMEs at home and abroad are summarized and discussed. At present, the research results on financing problems of science and technology small and medium-sized enterprises are mainly concentrated. In:. We will vigorously develop small and medium-sized financial institutions and guarantee institutions. Development of relational loans and promotion of marketization of interest rates. Facts have proved that due to the current economic development in China caused by many constraints, some of the above methods are difficult to achieve results in a short period of time. Some of the results are very small, some of the significance of comprehensive promotion. Based on the information asymmetry and other related theories, this paper analyzes the causes of the difficulty of credit financing for small and medium-sized technological enterprises. The author thinks that the reason lies in the fact that compared with the large enterprises, the small and medium-sized technological enterprises lack the information advantage necessary for the credit financing, and solve or alleviate the information asymmetry between the banks and the enterprises. Reducing transaction costs is the key to solve the problem of credit financing for small and medium-sized technological enterprises. Commercial bank credit product innovation is an effective way to solve the problem of credit financing. Based on the innovation of credit concept, this paper starts with the causes of the difficulty of credit financing for the small and medium-sized technological enterprises, and combines the characteristics of the small and medium-sized technological enterprises. Combining with the case, the paper puts forward the innovative business of "bridge and tunnel mode financing for small and medium-sized technological enterprises", and innovates the business evaluation system, operation process and risk management methods. The purpose of this paper is to provide an effective way for the financing of small and medium-sized S & T enterprises.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.44

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