商业银行深化科技型中小企业信贷策略研究

发布时间：2018-03-05 03:10

本文选题：商业银行　切入点：科技型中小企业　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：科技型中小企业作为我国中小企业发展中的领军人物,以其独特的科学技术研发创新能力在扩大就业、稳定社会、推动经济高速增长中扮演着不可或缺的重要角色。然而,与科技型中小企业所作出的贡献不相称的是,科技型中小企业在发展壮大过程中的融资需求往往不能得到有效的满足,其融资困境已然成为制约我国科技型中小企业快速、持续成长的最大阻碍。因此,如何以商业银行为突破口,构建与科技型中小企业“短、小、频、急”的信贷需求相适应的信贷业务模式与流程,从而进一步拓展科技型中小企业的融资渠道,对破解科技型中小企业融资瓶颈,实现商业银行与科技型中小企业互利共赢,共同发展的美好未来具有重要意义。文章在分析了我国科技型中小企业的特点及融资现状的基础上,从科技型中小企业自身、商业银行、政府政策扶持三个角度深入剖析了我国科技型中小企业融资困境的成因,继而引入信贷配给的理论分析框架,并结合贷款利率、政府直接财政补贴以及项目研发失败的损失等因素建立信息不对称下的商业银行与科技型中小企业间的信贷配给模型,以探究我国科技型中小企业信贷市场的实际情况。同时,选用SWOT分析工具,对商业银行开展科技型中小企业信贷业务的发展环境进行细致地分析与研究,并就天津银行的发展现状构建了天津银行发展科技型中小企业信贷的SWOT战略矩阵。最后,通过对商业银行拓展科技型中小企业信贷业务各影响因素及SWOT模型的综合分析,提出了我国商业银行深化科技型中小企业信贷策略的框架建议。商业银行应加快战略转型,聚焦科技型中小企业；构建适合科技型中小企业信贷的业务模式与流程；推进金融产品与服务创新；完善风险评估体系,防范信贷风险；加强与政府机构合作,谋求政策扶持,以实现商业银行、科技型中小企业、政府机构三方共赢的美好局面。
[Abstract]:As a leader in the development of small and medium-sized enterprises in China, science and technology SMEs, with their unique scientific and technological R & D innovation ability, play an indispensable role in expanding employment, stabilizing society and promoting rapid economic growth. What is not commensurate with the contribution made by the small and medium-sized technological enterprises is that the financing needs of the small and medium-sized technological enterprises in the process of development and expansion are often not met effectively, and their financing predicament has become a constraint to the rapid development of science and technology small and medium-sized enterprises in China. Therefore, how to use commercial banks as a breakthrough to build a credit business model and process suitable for the "short, small, frequent and urgent" credit demand of small and medium-sized technological enterprises, In order to further expand the financing channels of science and technology small and medium-sized enterprises, to solve the financing bottleneck of science and technology small and medium-sized enterprises, and to realize the mutual benefit of commercial banks and science and technology small and medium-sized enterprises, On the basis of analyzing the characteristics and current financing situation of science and technology small and medium-sized enterprises in China, the article analyzes the characteristics of science and technology small and medium-sized enterprises themselves, commercial banks, From three angles of government policy support, this paper deeply analyzes the causes of the financing difficulties of the small and medium-sized technological enterprises in China, and then introduces the theoretical analysis framework of credit rationing, and combines with the loan interest rate. In order to explore the actual situation of the credit market of the small and medium-sized scientific and technological enterprises in China, the government direct financial subsidy and the loss of the project R & D failure are established to establish the credit rationing model between the commercial banks and the small and medium-sized scientific and technological enterprises under the asymmetric information. Using SWOT analysis tools, this paper makes a detailed analysis and research on the development environment of the credit business of the small and medium-sized technological enterprises in commercial banks. The paper also constructs the SWOT strategic matrix of Tianjin Bank to develop the credit of small and medium-sized scientific and technological enterprises according to the present development situation of Tianjin Bank. Finally, through the comprehensive analysis of the influencing factors and the SWOT model of the commercial banks to expand the credit business of the small and medium-sized enterprises of the science and technology type. The paper puts forward some suggestions on how to deepen the credit strategy of science and technology SMEs in China's commercial banks. Commercial banks should speed up strategic transformation, focus on science and technology small and medium-sized enterprises, construct business models and processes suitable for science and technology small and medium-sized enterprises' credit. Promote innovation of financial products and services, perfect risk assessment system, guard against credit risk, strengthen cooperation with government agencies and seek policy support to achieve a win-win situation among commercial banks, small and medium-sized scientific and technological enterprises and government institutions.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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