CS银行小企业融资服务模式研究

发布时间：2018-05-27 06:22

本文选题：小微企业 + 城市商业银行　；参考：《安徽大学》2014年硕士论文

【摘要】：根据世界银行的统计数据,在2012年我国的4200多万中小企业占据我国企业总数的99.8%。中小企业的发展适应了当前我国经济的发展趋势,为我国经济发展做出了巨大的贡献,但是中小企业在我国生存却很艰难。这些生命力顽强的中小企业客户群体,是银行业金融机构群雄逐鹿的重要群体。特别是城市商业银行受规模有限、地域限制、监管严控和自身的公司治理等因素,发展小微企业更为迫切,对于小企业的融资服务模式创新需要更加及时和快速。在国内金融体制改革、金融市场化、金融脱媒等体制机制再造的变革时期,如何有效的服务中小企业,做强做精区域市场,是城市商业银行迫切需要解决的问题。本文的研究分为五个部分：第一部分对本文的研究背景和意义进行了充分的论证,系统分析了当前城市商业银行发展小微企业的重要性、必要性和必然性；第二部分在对相关概念进行界定的基础上,明确了本文的研究对象小微企业的具体界定和划分,进一步对城市商业银行创新小微企业融资服务模式的动因进行了分析,为城市商业银行发展小微企业,创新小微金融服务提供理论和现实支持；第三部分以CS银行为例,针对CS银行两千多个小微企业客户进行了调查分析。在聘请专业咨询机构的基础上,设计了详尽的调查问卷,并对调查结果进行了统计和分析,从基本情况、经营现状和融资现状三个方面对小微企业经营特征和融资环境进行了系统分析,为小微企业融资服务模式构建提供数据支持；第四部分构建了创新性的城市商业银行小微企业融资服务模式。融资服务模式的目标是为了做大做强区域市场内城商行小微金融业务。具体实现上,城市商业银行从组织结构优化、产品结构创新和资源结构优化三个方面进行了系统创新和重构,在组织结构优化上,借鉴和吸收民生银行事业部制度改革的先进经验,分行业成立行业金融部,在对行业进行深入研究的基础上,从行业规模、资产负债状况、利润率等方面综合考虑和设计金融产品,并设立专门的小微企业信贷服务部,为小微企业提供量身定制的服务；在产品结构创新方面,对于抵押担保、质押担保和信用贷款等方面进行了全面创新,并开发出长湘贷等具有竞争力的核心信贷产品；在资源结构优化方面,外部充分挖掘市民银行的地位,整合城市商业银行在区域内的资源,内部调整人力资源管理模式,对内外部资源进行重新整合。第五部分结合研究的基本内容得出研究结论,并进一步对本文的不足和进一步研究方向进行了讨论。本文的创新主要有：(1)研究视角创新。本文结合调查分析法和案例分析法,建立中小企业融资行业特征和需求特征的调查问卷,委托专业机构对CS银行2460家中小企业客户进行了调查,并采用基本的数理统计方法对结果进行了分析,为城市商业银行总体发展战略和业务发展思路提供了一个新的研究视角。(2)研究思路创新。本文以信息不对称理论、资产定价模型等理论分析为基础,采用调查研究、案例分析相结合的思路,构建城市商业银行小微企业融资服务模式,既是对中小企业融资模式的有益探索,也是对城市商业银行核心竞争力构建的有效补充。
[Abstract]:According to the statistics of the world bank, in 2012, the development of 99.8%. SMEs in China's about 42000000 small and medium-sized enterprises occupied the total number of China's enterprises, which adapted to the current economic development trend of our country and made great contributions to the economic development of our country. However, the small and medium-sized enterprises are very difficult in our country. The industrial customer group is an important group in the banking financial institutions. In particular, it is more urgent for the urban commercial banks to develop small and micro enterprises by the factors such as limited scale, regional restrictions, strict control and their own corporate governance. The innovation of financing service mode for small enterprises needs to be more timely and fast. In the period of the reengineering of financial market, financial disintermediation and other institutional mechanisms, how to effectively serve small and medium-sized enterprises and do strong regional market is an urgent problem for urban commercial banks to solve.
The research of this article is divided into five parts: the first part makes a full demonstration of the background and significance of the study, and systematically analyzes the importance, necessity and inevitability of the current urban commercial banks' development of small and micro enterprises. The second part defines the research object of this article on the basis of the definition of the related concepts. Specific definition and division, further analysis of the motivation of the financing service mode of the urban commercial banks' innovative small and micro enterprises, and provide theoretical and practical support for the urban commercial banks to develop small and micro enterprises and innovate the small and micro financial services. The third part takes the CS bank as an example to investigate the more than 2000 small and micro enterprises customers of the Bank of CS. On the basis of hiring a professional advisory body, a detailed questionnaire is designed, and the results of the investigation are analyzed and analyzed. The management characteristics and financing environment of small and micro enterprises are systematically analyzed from the three aspects of basic situation, operation status and financing situation, which provide data support for the construction of financing service mode of small and micro enterprises. The fourth part constructs an innovative financing service model for small and micro enterprises in urban commercial banks. The goal of the financing service model is to make a big and strong regional market small and micro financial business in the inner city business. On the concrete realization, the urban commercial bank has carried out the system from three aspects: the organizational structure optimization, the product structure innovation and the resource structure optimization. Innovation and reconstruction, on the optimization of organizational structure, drawing on and absorbing the advanced experience of the reform of the Minsheng Bank system, the industry finance department is set up in the industry. Based on the in-depth study of the industry, the financial products are considered and designed from the aspects of the scale of the industry, the state of assets and liabilities, the rate of profit and so on, and a special small micro enterprise letter is set up. The loan service department provides customized services for small and micro enterprises. In the aspect of product structure innovation, we have made a comprehensive innovation on mortgage guarantee, pledge guarantee and credit loan, and developed a competitive core credit product, such as Xiang and loan, and fully excavate the status of the civil bank in the optimization of resource structure. According to the resources in the region, the urban commercial banks adjust the human resources management model and reintegrate the internal and external resources. The fifth part, combining the basic contents of the research, draws the conclusions of the research, and further discusses the shortage and further research direction of this paper.
The main innovations of this paper are: (1) the research perspective innovation. This paper, combining the investigation and analysis method and the case analysis method, establishes the questionnaire of the characteristics and demand characteristics of the SME financing industry, and entrusts the professional institutions to investigate the 2460 small and medium-sized enterprises of CS bank, and analyses the results by using the basic mathematical statistics method. The overall development strategy and business development ideas of city commercial banks have provided a new research perspective. (2) research ideas innovation. Based on the theory of information asymmetry, asset pricing model and other theoretical analysis, this paper uses investigation and case analysis to construct the financing service model of small and micro enterprises in City Commercial Banks. The beneficial exploration of SME financing mode is also an effective complement to the core competitiveness of city commercial banks.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F276.3;F832.2

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