商业银行小微企业贷款模式研究

发布时间：2018-04-03 15:16

本文选题：小微企业　切入点：信贷模式　出处：《山东大学》2014年硕士论文

【摘要】：目前小微企业贷款举步维艰,本文在理论分析的基础上,结合国内外现实的成功经验,提出了适合小微企业的几种贷款模式及相应的发展对策。首先,在分析小微企业重要性的基础上,创新性的借助生产者均衡理论和信息不对称理论分析了小微企业贷款中需要破解的难题。一是如何确定合理小微企业融资成本,二是如何缓解银行和企业之间的信息不对称。同时分析了影响商业银行小微企业信贷业务的因素：小微企业的综合能力和信用状况,包括核心经营者的素质、企业的发展前景、企业的技术水平和创新能力和企业的信用状况；银行的业务水平和创新能力；社会中介机构的大力发展；政府的监管和介入。其次,在上述分析的基础上探讨了国内外小微企业的经典模式,国外商业银行小微企业信贷的经典模式包括：美国的政府贷款担保模式、孟加拉的乡村银行模式、玻利维亚阳光银行模式、东南亚的淡马锡模式等,国内商业银行小微企业信贷的经典模式包括：抚松模式、抱团增信模式、“商贷通”模式、桥隧模式和网络联保信贷模式。在结合案例分析的基础上,最终提出了促进商业银行小微企业信贷模式创新的对策。
[Abstract]:At present, the loan of small and micro enterprises is very difficult. Based on the theoretical analysis and the successful experience at home and abroad, this paper puts forward several loan modes suitable for small and micro enterprises and the corresponding development countermeasures.First of all, on the basis of analyzing the importance of small and micro enterprises, the author analyzes the problems that need to be solved in the loan of small and micro enterprises with the help of producer equilibrium theory and information asymmetry theory.One is how to determine the reasonable financing cost of small and micro enterprises, the other is how to alleviate the information asymmetry between banks and enterprises.At the same time, it analyzes the factors that affect the credit business of the small and micro enterprises of commercial banks: the comprehensive ability and credit status of the small and micro enterprises, including the quality of the core operators, the development prospects of the enterprises,The technical level and innovation ability of the enterprise and the credit condition of the enterprise; the business level and innovation ability of the bank; the vigorous development of the social intermediary organization; the supervision and intervention of the government.Secondly, on the basis of the above analysis, the classic models of domestic and foreign small and micro enterprises are discussed. The classic models of foreign commercial banks' small and micro enterprises' credit include: American government loan guarantee model, Bangladesh's rural bank model,Bolivia Sunshine Bank model, Southeast Asia Temasek model, domestic commercial banks of small and micro enterprise credit model, including: Fusong model, syndicated credit model, "business and loan" model, bridge and tunneling mode and network UNPROFOR credit model.On the basis of case study, the paper finally puts forward the countermeasures to promote the innovation of credit mode of small and micro enterprises in commercial banks.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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