城市商业银行支持中小企业融资问题研究

发布时间：2018-04-11 00:00

本文选题：城市商业银行 + 中小企业　；参考：《四川省社会科学院》2014年硕士论文

【摘要】：中小企业在我国国民经济发展中发挥着非常重要的作用。然而，长期以来，绝大多数中小企业由于自身规模小、风险高等，往往难以获得足够的资金支持。目前，中小企业的融资渠道大概分为内源融资、直接融资、间接融资。银行贷款，作为间接融资的形式之一，依然是现阶段中小企业最主要的融资方式。城市商业银行在成立之初，就确立了“服务地方经济、服务中小企业，服务城市居民”的宗旨，与国有商业银行相比，城市商业银行在软信息的获取上、当地政府的支持上、业务操作的时效上，，都有着明显的优势。城市商业银行所拥有的这些比较优势，相较于其他银行，更适合作为中小企业融资的主要渠道。鉴于此，本文对城市商业银行支持中小企业融资的相关问题进行研究，以期为银行支持中小企业融资提供经验或启示。本文分析了中小企业融资的现状、问题及成因；阐述了中小企业在国民经济发展中的重要作用；分析了城市商业银行支持中小企业融资的现状、问题及成因；梳理了国内外城市商业银行支持中小企业融资的成功经验；并结合我国实际，提出了商业银行支持中小企业融资的对策建议。
[Abstract]:Small and medium-sized enterprises play a very important role in the development of our national economy.However, for a long time, because of their small scale and high risk, most SMEs are difficult to get enough financial support.At present, the financing channels of SMEs are divided into internal financing, direct financing and indirect financing.Bank loans, as one of the forms of indirect financing, are still the most important financing methods for SMEs at this stage.At the beginning of its establishment, the city commercial bank has established the aim of "serving the local economy, serving the small and medium-sized enterprises, serving the urban residents". Compared with the state-owned commercial banks, the city commercial banks have the support of the local government in obtaining soft information.The operation of the business on the statute of limitations, there are obvious advantages.Compared with other banks, city commercial banks are more suitable as the main channel for SMEs financing.In view of this, this paper studies the related problems of city commercial banks supporting SME financing, in order to provide experience or inspiration for banks to support SME financing.This paper analyzes the current situation, problems and causes of SME financing, expounds the important role of SMEs in the development of national economy, analyzes the current situation, problems and causes of urban commercial banks supporting SME financing.This paper combs the successful experiences of domestic and foreign city commercial banks in supporting SMEs' financing, and puts forward the countermeasures and suggestions of commercial banks' supporting SMEs' financing combined with the reality of our country.
【学位授予单位】：四川省社会科学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

【参考文献】