城市商业银行支持中小企业融资策略研究

发布时间：2019-04-24 05:24

【摘要】：中小企业是社会主义市场经济中最为活跃的主体,在增加就业、改善民生、繁荣经济、推动创新等方面发挥了巨大作用,在国民经济中占有非常重要的地位。但是长期以来,中小企业融资难问题未得到根本解决,资金紧缺已经成为制约企业发展的重要原因。近年来受全球金融危机和宏观经济形势影响,不少中小企业由于不能及时得到融资支持,造成资金链断裂。中小企业倒闭、企业主“跑路”现象屡有发生,甚至个别企业牵涉到民间借贷、高利贷等法律案件,对地方经济发展和社会稳定带来不利影响。随着我国利率市场化进程进一步加快,大型企业脱媒愈加明显。城市商业银行作为地方性中小银行,规模较小、实力有限,与其他大型商业银行相比,仍然存在一些不足。城市商业银行必须扬长避短,向自己的传统优势领域——中小企业回归,把基础金融服务作为主要的着力方向,努力创新与中小企业需求相适应的金融产品,创建与服务中小企业相匹配的组织架构,加大对中小企业融资支持力度,提高风险管理水平,发挥城市商业银行的竞争优势,努力打造与中小企业共同发展的双赢局面。本论文从中小企业融资和城市商业银行发展两大前提出发,分析研究两者之间的契合点和达到双方共赢的策略,即城市商业银行在支持中小企业融资的过程中,针对中小企业融资存在的问题和城市商业银行自身的特色,采取何种策略,以实现对中小企业和自身发展的效用最大化。本文根据研究背景引出问题,分析问题,结合实际案例研究问题,得出研究结论,全文共分为六大部分,第一部分是研究的背景和意义,分析了国内外学者的研究成果,提出本文要研究的问题,介绍了本文的研究方法；第二部分介绍了中国中小企业融资的理论基础和文献综述,对中小企业融资的概念、理论和相关文献进行了介绍；第三部分对城商行及城商行支持中小企业状况进行了介绍,分析城市商业银行支持中小企业融资的内外部原因,通过SWOT分析法分析城商行支持中小企业融资策略模式；第四部分提出城商行支持中小企业的主要策略；第五部分以徽商银行为例,研究城市商业银行支持中小企业的具体措施；第六部分进行总结,提出研究结论,并提出了本论文的创新点和不足。本论文的研究方法一是查阅和收集了国内外相关文献和数据资料,二是通过调查研究获得徽商银行、包商银行等城市商业银行的第一手资料,以此作为案例,三是对城市商业银行、国有大银行、股份制银行之间的优劣势进行比较分析。通过以上途径研究城市商业银行支持中小企业的融资策略。
[Abstract]:As the most active subject in the socialist market economy, small and medium-sized enterprises (SMEs) have played an important role in increasing employment, improving people's livelihood, prospering the economy, promoting innovation and so on, and have played a very important role in the national economy. However, for a long time, the financing difficulty of small and medium-sized enterprises has not been fundamentally solved, the shortage of funds has become an important reason restricting the development of enterprises. In recent years, due to the global financial crisis and macroeconomic situation, many small and medium-sized enterprises can not get timely financing support, resulting in capital chain break. The failure of small and medium-sized enterprises and the phenomenon of "running away" by entrepreneurs, even involving private loans, usury and other legal cases, have brought about adverse effects on local economic development and social stability. With the further acceleration of interest rate marketization in China, the disintermediation of large-scale enterprises becomes more and more obvious. City commercial banks as local small and medium-sized banks, small scale, limited strength, compared with other large commercial banks, there are still some deficiencies. Urban commercial banks must strengthen their strengths and avoid their weaknesses, return to their traditional areas of advantage-small and medium-sized enterprises, take basic financial services as the main direction of effort, and strive to innovate financial products that meet the needs of small and medium-sized enterprises. We should set up an organization structure which matches the service of small and medium-sized enterprises, strengthen the financing support for small and medium-sized enterprises, improve the level of risk management, exert the competitive advantage of city commercial banks, and strive to create a win-win situation of common development with small and medium-sized enterprises. Starting from the premise of financing for small and medium-sized enterprises and the development of city commercial banks, this paper analyzes and studies the concordance between the two and the strategy to achieve mutual win-win, that is, in the process of supporting the financing of small and medium-sized enterprises by the city commercial banks. In view of the problems existing in the financing of small and medium-sized enterprises and the characteristics of the city commercial banks, what kind of strategies should be adopted to maximize the utility of the small and medium-sized enterprises and their own development. According to the background of the research, the analysis of the problems, combined with the actual case study, this paper draws a conclusion, the full text is divided into six parts, the first part is the background and significance of the study, analysis of domestic and foreign scholars' research results, This paper puts forward the problems to be studied in this paper, and introduces the research methods of this paper. The second part introduces the theoretical basis and literature review of small and medium-sized enterprises financing in China, and introduces the concept, theory and related literature of small and medium-sized enterprises financing. The third part introduces the situation of city commercial bank and city commercial bank supporting small and medium-sized enterprises, analyzes the internal and external reasons of city commercial bank supporting small and medium-sized enterprises financing, and analyzes the financing strategy model of city commercial banks supporting small and medium-sized enterprises through SWOT analysis; The fourth part puts forward the main strategies of urban commercial banks to support small and medium-sized enterprises; the fifth part takes Huizhou Commercial Bank as an example to study the concrete measures of urban commercial banks to support small and medium-sized enterprises; The sixth part summarizes, puts forward the research conclusion, and puts forward the innovation and deficiency of this paper. The research method of this paper is to consult and collect the relevant literature and data at home and abroad, and obtain the first-hand information of the city commercial banks such as Huizhou Commercial Bank, contractor Bank and so on through investigation and research, and take this as a case. Third, the advantages and disadvantages of city commercial banks, state-owned large banks, joint-stock banks are compared and analyzed. Through the above ways to study the financing strategies of urban commercial banks to support small and medium-sized enterprises.
【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】：F832.33;F276.3

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