商业银行开展小微金融业务情况调查报告

发布时间：2018-05-20 08:58

本文选题：小微金融 + 商业银行　；参考：《复旦大学》2014年硕士论文

【摘要】：根据国家统计局统计资料,小微企业占我国国内企业总数的九成以上,对国内生产总值的贡献率达60%以上,对税收贡献率达50%以上,更重要的是,全国85%的就业岗位都是中小微企业创造的,但现阶段针对小微企业的金融服务显然无法满足小微企业庞大的数量和迫切的成长需求。本文描述了小微金融的特点和现阶段遭遇的困境,并着重论证了银行开展小微金融服务的必要性和迫切性,最后给出了对丰富银行小微金融业务结构、风险防范等方面的相关建议。本文在开篇阐述了小微企业的定义和现阶段国内小微企业的总体特征,由此可以明显地看出小微企业贷款违约风险较高,自然融资成本也较高。尽管商业银行开发小微金融业务的平均成本较高、风险比较突出,但在持续的金融脱媒、国家大刀阔斧进行利率市场化改革的大背景下,商业银行以往凭借存贷款利差获取稳定、高额收益的盈利方式愈来愈难以为继,针对小微金融这块未开垦的处女地,各银行、金融机构纷纷按照传统模式介入,但同质化的竞争导致小微贷款不良率上升,相关收益下降,因此,本文对小微金融的服务模式进行了细致的探讨,给出了对于小微企业和银行双方有利的建议。
[Abstract]:According to the statistics data of the National Bureau of Statistics, small and micro enterprises account for more than 90% of the total number of domestic enterprises in China, contributing more than 60% to the gross domestic product (GDP) and 50% or more to the tax revenue. More importantly, In China, 85% of the jobs are created by small and medium-sized enterprises, but the financial services for small and micro enterprises at this stage obviously can not meet the huge number of small and micro enterprises and the urgent growth needs. This paper describes the characteristics of microfinance and the difficulties encountered at the present stage, and emphatically demonstrates the necessity and urgency of banks to develop microfinancial services. Risk prevention and other related recommendations. At the beginning of this paper, the definition of small and micro enterprises and the general characteristics of domestic small and micro enterprises are expounded. It is obvious that the default risk of small and micro enterprises is higher and the natural financing cost is higher. Although the average cost and risk of commercial banks to develop small and micro financial services are relatively high, but in the context of the sustained financial disintermediation and the drastic reform of interest rate marketization by the state, In the past, commercial banks used to gain stability on the basis of deposit and loan spreads, and the way of making profits from high profits became more and more difficult. In view of the uncultivated virgin land of small and micro finance, banks and financial institutions intervened one after another according to the traditional mode. But the competition of homogenization leads to the increase of the bad rate of the small and micro loans and the decrease of the related income. Therefore, this paper makes a detailed discussion on the service mode of the small and micro finance, and gives some beneficial suggestions for both the small and micro enterprises and the banks.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【共引文献】