论金融撬动战略下西藏小微企业金融服务

发布时间：2018-02-25 03:29

本文关键词： 金融撬动小微企业金融服务　出处：《西藏大学》2017年硕士论文　论文类型：学位论文

【摘要】：本文主要是研究西藏自治区在实施金融撬动的战略下,其辖内商业银行小微企业金融服务对于经济发展的促进作用,旨在揭示区内商业银行小微企业金融服务对于实现金融撬动的积极影响。在查找到的关于西藏小微企业金融服务对于实现金融撬动的文献中,关于这一方面的研究数目非常少,几乎屈指可数。因此,本文对于西藏小微企业金融服务和实现金融撬动的研究,对于该领域理论至少具有两方面的意义:一是充实西藏小微企业金融服务的数据材料,力图通过较充分的分析挖掘,充实相关研究第一手的资料;二是考察西藏小微企业金融服务支持中小企业融资的政策要求,有益补充和充实小微企业融资的相关理论。本文的研究方法主要有两种:1.文献查阅法。主要在研究之前,就查阅相关的书籍文献资料,以便于对该领域在理论研究上有一个整体的了解和认识。2.实证分析。本文将会选取2012年-2015年四年期间西藏自治区小微企业贷款余额变化,及西藏自治区小微金融服务发展现状及对区域经济增长的支撑作用分析来说明西藏自治区小微企业金融服务的变化情况。本文主要通过对西藏小微企业金融服务与实现金融撬动的概况和国内中小微企业总的融资概况,以及西藏中小微企业在西藏各项融资中所占的比例做了分析比较,从而得出西藏自治区小微企业金融服务的现实情况、取得的辉煌成就以及对金融撬动的积极影响和比对评价。虽然西藏小微企业融资金额在不断增长,但是所占的比例还是太少,不能从根本上实现金融撬动。根据分析,小微金融产品存在缺陷,如产品创新步伐缓慢、产品同质情况严重、产品结构存在失衡等;小微企业自身存在问题,如经营管理能力有限、信息不够透明公开、财务制度仍不健全、经营风险难以把控等;银行内部管理存在问题,如目标市场定位不准确、组织架构不适用需求、管理模式不适应发展、信息搜集能力待提高、风险管理机制不明确等;配套政策与环境有待改善等等。西藏小微企业金融服务对于小微企业实现金融撬动的成功与否起着关键性作用,因为在西藏,虽然自治区政府对中小企业有很多优惠政策,但是,靠补助显然不能够完全解决小微企业的融资问题。小微企业金融业务应更好的发挥金融撬动作用,政府助力,推行小微企业贷款风险补偿基金,完善小微企业信用担保体系及保险体系,加快建立完善的小微企业信用评价体系,加快发展中介机构,催化融资市场有效畅通运转;银行助力,打造适合西藏小微企业的特色产品,提高对小微企业金融服务的风险识别和管控能力,为小微企业提供全方位的金融服务,建立专门的服务团队,专业化的制度和业务流程;企业全方位配合助力。
[Abstract]:This paper is mainly to study the role of the financial services of small and micro enterprises of commercial banks in the Tibet Autonomous region in promoting economic development under the strategy of implementing financial crowning. The aim is to reveal the positive impact of the financial services of small and micro enterprises of commercial banks in the region on the realization of financial crowding.In the literature found on the financial crowning of small and micro enterprises in Tibet, the number of studies on this aspect is very small. Therefore, the study of the financial services of small and micro enterprises and the realization of financial crowning in Tibet has at least two aspects of significance for the theory in this field: first, to enrich the data materials for the financial services of small and micro enterprises in Tibet. Trying to enrich the first-hand data of relevant research through more thorough analysis and excavation; second, to investigate the policy requirements of supporting the financing of small and medium-sized enterprises in Tibet by small and microenterprise financial services. In this paper, there are two main research methods: 1: 1. Literature reference method. Before the study, we mainly refer to the relevant books and documents. In order to have an overall understanding and understanding of the theoretical research in this field. 2. Empirical analysis. This paper will select the changes of the loan balance of small and micro enterprises in Tibet Autonomous region during the four-year period from 2012 to 2015. And the current situation of the development of the small and micro financial services in Tibet Autonomous region and the supporting role of the regional economic growth to explain the changes of the financial services of the small and micro enterprises in the Tibet Autonomous region. This paper mainly analyzes the financial services of the small and micro enterprises of the Tibet Autonomous region. And the general situation of financial leverage and the overall financing of small and medium-sized domestic enterprises, As well as the proportion of small and medium-sized enterprises in Tibet in various financing projects, the actual situation of financial services for small and medium-sized enterprises in Tibet Autonomous region has been obtained by means of an analysis and comparison. Although the amount of financing for small and micro enterprises in Tibet is increasing, the proportion is still too small to achieve a fundamental financial crowning. According to the analysis, There are defects in microfinancial products, such as the slow pace of product innovation, the serious homogeneity of products, the imbalance in product structure, and the problems of small and micro enterprises, such as limited operation and management ability, lack of transparency and openness of information, etc. The financial system is still not perfect, the management risk is difficult to control, and there are some problems in the internal management of the bank, such as the inaccurate positioning of the target market, the inapplicability of the organizational structure, the unsuitability of the management model to the development, and the need to improve the ability of collecting information. Risk management mechanisms are unclear, supporting policies and environment need to be improved, etc. Financial services for small and micro enterprises in Tibet play a key role in the success of financial crowning for small and micro enterprises, because in Tibet, Although the autonomous region government has a lot of preferential policies for small and medium-sized enterprises, it is clear that subsidies cannot completely solve the financing problem of small and micro enterprises. Small and micro enterprises' financial business should play a better role in financial leverage and government help. To promote the loan risk compensation fund for small and micro enterprises, perfect the credit guarantee system and insurance system of small and micro enterprises, accelerate the establishment of a perfect credit evaluation system for small and micro enterprises, accelerate the development of intermediary institutions, and catalyze the efficient and smooth operation of the financing market; The banks are helping to create unique products suitable for small and micro enterprises in Tibet, to improve their ability to identify and control risks in the financial services of small and micro enterprises, to provide comprehensive financial services to small and micro enterprises, and to set up specialized service teams. Professional system and business process; enterprises cooperate with each other in all aspects.
【学位授予单位】：西藏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F832.4

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