A银行促进小微企业发展的策略分析

发布时间：2018-05-13 01:37

本文选题：小微企业 + 融资　；参考：《大连海事大学》2014年硕士论文

【摘要】：近年来,在中央和地方各级政府的大力扶植下,我国小微企业的发展取得了令人瞩目的成绩。小微企业虽然经营规模较小,但却为数众多,渗透在国民经济的方方面面。小微企业在创造就业机会、维持社会稳定、增加收入、改善民生、促进国民经济发展等方面都发挥着至关重要的作用。因此党中央、国务院在“十二五规划”中将大力扶植小微企业发展作为一项重要任务,作为促进我国社会经济转型、实现经济健康可持续发展的重要一环,各级政府对小微企业的发展都十分重视。银行业作为国民经济的重要支柱,理应采取有力措施,配合各级政府积极稳妥地完成这项艰巨的任务。中国经济的高速成长带给小微企业更多发展机遇,但不容否认的是,目前我国小微企业的发展仍显得举步维艰,发展瓶颈逐渐显现。对于小微企业而言,其最大需求,同时也是最大困难的就是融资需求。然而小微企业信贷业务却一直没有成为银行业务的重点。众多银行出于防范风险和从维护已有大客户业务关系角度出发,纷纷减少了小微企业贷款金额,甚至停止放款。因此,开展商业银行支持小微企业发展的对策研究对于我国小微企业融资服务体系的建设,具有重要意义。本文以A银行为例,从商业银行的角度来研究对小微企业的金融支持对策,即融资对策,有助于小微企业融资体系的建设。论文一共分为五个部分。第一部分为本文的研究背景和意义。指出开展商业银行支持小微企业发展的对策研究对于我国小微企业融资服务体系的建设,具有重要意义。第二部分为小微企业融资体系分析。对小微企业融资体系进行了简要的介绍,对我国小微企业融资现状进行了分析。第三部分,A银行小微企业金融业务发展现状分析。在本章中,对A银行以及A银行小微企业金融业务发展概况进行了介绍。分析了A银行支持小微企业发展中的问题。在经济增长放缓、货币政策紧缩的宏观不利因素下,小微企业自身信用不佳,经营不稳定,还款拖欠率高,抵押物缺乏、信誉不佳,财务制度不健全；商业银行自身也存在着问题：没有根据小微企业的特点设计评级标准,与大中型企业共用一个评级标准。风险防范措施单一,制约了小微企业的融资业务的发展。第四部分,A银行促进小微企业发展的策略及建议。城市中小商业要转变思想观念,创新信贷管理制度,新信贷技术,创新产品设计,提供专有金融服务,加强小微企业信用风险管理,更好地支持小微企业融资。此外,还对A银行实施促进小微企业发展策略的效果做了分析。A银行出台了专门针对小微企业的信贷流程,实施规范化、流程化管理。通过建立经常性走访调研制度、搭建沟通平台,为银行更好地扶植小微企业提供了可靠的参考依据。为适应小微企业状况,合理、高效授信,A银行打破原只注重报表审查的传统模式,引入定性分析,将企业主要经营者从业经验、专业技术水平、个人信誉程度、行业发展潜力与财务报表的定量评价同等纳入审查范围,综合分析企业的盈利能力、发展潜力和风险程度。A银行还针对小微企业特点重新设计审批机制,简化了贷款审批环节由能够帮助小微企业快速获得贷款,对300万以下的小企业融资审批,在不超过三个工作日内即可完成。除此之外,还根据小微企业和小微企业主的特点提供专属金融服务,为广大小微企业主、个体工商户专属搭建一个贷款易、成本低、一站式服务、电子化渠道的全面、便捷的金融服务平台。采取缩短贷款时间,简化贷款流程,借款、还款一卡办理,按天计息,节约小微企业融资成本,一站式服务。在A银行的支持下,L市的小微企业业务越做越大,A银行自身也不断发展壮大,实现了双赢。第五部分,论文的总结。在本章中,对论文进行了总结,并指出了论文的不足和研究展望。
[Abstract]:In recent years, the development of small and micro enterprises in China has made remarkable achievements under the support of central and local governments at all levels. Small and micro enterprises, though small in scale, are numerous and permeated in all aspects of the national economy. Small and micro enterprises are creating employment opportunities, maintaining social stability, increasing income, improving people's livelihood, promoting the people's livelihood, and promoting the country. The Central Committee of the CPC Central Committee and the State Council in the "12th Five-Year plan" will make great efforts to foster the development of small and micro enterprises as an important task. As an important part of promoting the social and economic transformation and realizing the healthy and sustainable economic development of our country, the governments at all levels are very important to the development of small and micro enterprises. Paying attention to the banking industry as an important pillar of the national economy, we should take effective measures to cooperate with the governments at all levels to complete this arduous task actively and safely.
The rapid growth of China's economy has brought more opportunities for small and micro enterprises, but it is undeniable that the development of small and micro enterprises in China is still difficult and developing bottlenecks. For small and micro enterprises, the biggest demand, but also the biggest difficulty is the financial demand. However, the credit business of small and micro enterprises has not been a long time. As the focus of banking business, many banks have reduced the loan amount of small and micro enterprises in order to guard against risks and maintain the business relations of existing large customers. Therefore, it is important to carry out the Countermeasures of commercial banks to support the development of small and micro enterprises for the construction of the financing service system of small and micro enterprises in China. This paper, taking the A bank as an example, studies the financial support countermeasures for small and micro enterprises from the perspective of commercial banks, that is, the financing countermeasures, which will help the construction of the financing system of small and micro enterprises.
The thesis is divided into five parts. The first part is the research background and significance of this paper. It is pointed out that the research on the Countermeasures of commercial banks to support the development of small and micro enterprises is of great significance to the construction of the financing service system of small and micro enterprises in China. The second part is the analysis of the financing system of small and micro enterprises. The financing system of small and micro enterprises is briefly introduced. The present situation of the financing of small and micro enterprises in China is analyzed. The third part is the analysis of the current situation of the financial business development of A bank small and micro enterprises. In this chapter, the general situation of the financial business development of the A bank and the A bank small and micro enterprises is introduced. The problems of the A bank in the development of the small and micro enterprises are analyzed. The economic growth slows down, and the monetary policy is used. Under the macro adverse factors of austerity, small and micro enterprises have poor credit, unstable operation, high arrears of repayment, lack of mortgages, poor reputation, and unsound financial system. The commercial banks themselves also have problems: it is not based on the characteristics of small and micro enterprises to design rating standards, and share a rating standard with large and medium-sized enterprises. The single application restricts the development of the financing business of small and micro enterprises. The fourth part, the strategies and suggestions for A bank to promote the development of small and micro enterprises. Small and medium-sized cities should change their ideas, innovate credit management system, new credit technology, innovate product design, provide proprietary financial services, strengthen credit risk management of small and micro enterprises, and better support small and small enterprises. In addition, the effect of A bank to promote the development strategy of small and micro enterprises was also analyzed..A bank introduced the credit process for small and micro enterprises, implemented standardization and process management. Through the establishment of a regular visit research system, a communication platform was set up to provide a reliable reference for the bank to better support small and micro enterprises. In order to adapt to the situation of small and micro enterprises, reasonable and efficient credit, A bank breaks the traditional mode of paying attention to the report review, introduces the qualitative analysis, and integrates the experience of the main business operators, the professional technology level, the personal reputation, the development potential of the industry and the quantitative evaluation of the financial statements, and analyzes the enterprise comprehensively. Profitability, development potential and risk level,.A bank also redesigns the examination and approval mechanism for the characteristics of small and micro enterprises, simplifies the loan approval link to help small and micro enterprises to obtain loans quickly, to approve the financing for small enterprises under 3 million, which can be completed within three working days. In addition, it is also based on small and micro enterprises and small micro enterprises. The characteristics of the business owners provide special financial services for the small and micro enterprises, and the individual industrial and commercial households are specially set up a loan easy, low cost, one-stop service, a comprehensive and convenient financial service platform for electronic channels. It is necessary to shorten the loan time, simplify the loan process, borrow money, and repay a card, and save the small and micro enterprise financing according to the day. Cost, one-stop service. Under the support of A bank, the business of small and micro enterprises in L city is getting bigger and bigger, A bank itself is also growing and growing. The fifth part is a summary of the paper. In this chapter, the paper is summarized, and the deficiency of the paper and the research show are pointed out.

【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272;F276.3;F832.3

【参考文献】