中小银行服务创新纾解小微企业融资困境研究

发布时间：2018-03-23 03:18

本文选题：中小银行　切入点：服务创新　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：改革开放以来,我国经济的发展取得了举世瞩目的成就,我国能够取得这样的成就,小微企业担负着重要的经济效益贡献以及创新力推动的关键责任。小微企业作为经济发展的助推器和稳定器,在吸纳就业,推动经济增长,满足个性化的消费需求,稳定社会等方面来说都是发挥着日益重要的作用。但是小微企业(特别是微型企业)本身具有固定资产占资产比重不高、运营不规范、规模小、经营风险高等特征,我国商业银行对小微企业金融服务体系一直尚未完善,很难满足小微企业的融资需求,阻碍了小微企业的健康稳定发展。本文主要从中小银行和小微企业发展现实出发,在探究我国中小银行创新服务现状、问题和小微企业融资困境及其成因的基础上,从小微企业、政府、银行三个层面分析我国小微企业融资难的原因展开探索,深入探讨小微企业融资困境的现存问题,并切入湖州银行案例,分析小微企业融资的创新手段、经验总结、问题困境。最后,从金融创新和政策保障方面提出解决小微企业融资困境的解决方法。研究表明,金融创新是促进商业银行不断发展、持续向前的重要动力,中小银行要进一步加强小微企业贷款的自身建设,改革创新制度管理建设,才能最大程度地改善小微企业融资困境。中小银行的创新要求集中在于简化申请程序,提高审批效率,建立适应小微企业的信用审核机制,采用更加灵活的授信政策,灵活安排用款、还款时间,提供长期资金支持和综合性金融服务,降低融资成本。另外,政府部门也应当通过差异化监管,完善法律法规体系,建立和完善企业信用担保体系,强化财税有效支持力度,创建良好的金融发展环境等方面努力,共同推进小微企业金融改革创新。本文采用宏观与微观分析相结合、系统研究法、案例分析法和文献研究法等研究方法,通过创新中小银行服务质量和内容,帮助我国小微企业立足于提高企业自身素质的基础上,有针对性提出中小银行支持小微企业发展的切实可性的对策建议,探索中小银行与小微企业双赢发展的共生机制,对解决银企信息不对称、创新现有融资制度具有较好的参考意义和实践意义。本文的创新之处是通过小微企业融资和商业银行对小微企业金融服务相关理论等多种相关理论对本文的理论框架做了垂直递进式的分析,从小微企业、政府、银行三个层面分析我国小微企业融资难的原因则显得更为全面。难点与不足之处在于在实际研究过程中,有关小微企业融资现状的最新、权威且全面的数据难以有效获得。由于各地小微企业存在较多差异,湖州银行发展时间较短,经营管理水平不高,以湖州银行为案例进行分析研究不够系统和全面。
[Abstract]:Since the reform and opening up, China's economic development has made remarkable achievements, and China has been able to achieve such achievements. As a booster and stabilizer of economic development, small and micro enterprises are attracting employment, promoting economic growth, and satisfying individual consumer demand. Stabilization of society is playing an increasingly important role. But small and micro enterprises (especially micro enterprises) have the characteristics of low proportion of fixed assets to assets, non-standard operation, small scale and high operating risks, etc. The financial service system of Chinese commercial banks to small and micro enterprises has not been perfect, it is very difficult to meet the financing needs of small and micro enterprises, which hinders the healthy and stable development of small and micro enterprises. This paper mainly starts from the reality of the development of small and medium-sized banks and small and micro enterprises. On the basis of probing into the present situation, problems and financing difficulties of small and medium-sized banks in China, this paper analyzes the reasons for the difficulties in financing of small and micro enterprises from three aspects: small and micro enterprises, government and banks. Deeply discuss the existing problems of financing dilemma of small and micro enterprises, and cut into the case of Huzhou Bank, analyze the innovative means, experience summary, problem dilemma of financing of small and micro enterprises. From the aspects of financial innovation and policy guarantee, the paper puts forward the solution to the financing dilemma of small and micro enterprises. The research shows that financial innovation is an important driving force to promote the continuous development and sustainable development of commercial banks. In order to improve the financing difficulties of small and medium-sized enterprises, small and medium-sized banks should further strengthen their own construction of loans for small and micro enterprises and reform and innovate the management of their institutions. The innovation requirements of small and medium-sized banks are focused on simplifying the application procedures. To improve the efficiency of examination and approval, to establish a credit audit mechanism suitable for small and micro enterprises, to adopt more flexible credit policies, to flexibly arrange the use of funds, to make repayment time, to provide long-term financial support and comprehensive financial services, and to reduce the financing costs. Government departments should also strive to improve the system of laws and regulations, establish and perfect the credit guarantee system of enterprises, strengthen the effective support of finance and taxation, and create a good financial development environment. In this paper, we adopt the combination of macro and micro analysis, systematic research, case analysis and literature research to innovate the service quality and content of small and medium-sized banks. On the basis of helping the small and micro enterprises to improve their own quality, the paper puts forward some practical countermeasures and suggestions to support the development of small and medium-sized enterprises, and probes into the symbiotic mechanism of the win-win development between small and medium-sized banks and small and micro enterprises. To solve the problem of information asymmetry between banks and enterprises, The innovation of this paper is based on the theories of small and micro enterprises financing and commercial banks' financial services to small and micro enterprises. The frame is analyzed in a vertical progressive way. It is more comprehensive to analyze the reasons for the difficulty in financing small and micro enterprises in China from three aspects: small and micro enterprises, government and banks. The difficulties and shortcomings lie in the latest situation of financing of small and micro enterprises in the process of actual research. It is difficult to obtain the authoritative and comprehensive data effectively. Due to the existence of many differences in local small and micro enterprises, the development time of Huzhou Bank is relatively short, the management level is not high, and the case study of Huzhou Bank is not systematic and comprehensive.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F276.3

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