安国市金融机构服务中药中小企业调研报告

发布时间：2018-06-20 05:57

本文选题：金融机构 + 金融服务　；参考：《河北大学》2017年硕士论文

【摘要】：河北省安国市是我国最大的中药材集散地和中药文化发祥地之一,素以“药都”和“天下第一药市”享誉海内外。然而当地的中药企业却都是中小型企业。近些年,虽然中国中药市场呈现较良好的发展势头,可是当地中药企业依然饱受资金短缺的困扰,当地金融机构提供给中药企业的服务依然十分有限。我们设计了两份调查问卷,分别向金融机构了解其放贷情况、产品研发、面临困难等情况,再向中药中小企业了解其基本情况、经营现状、融资状况以及对现有的金融服务的反馈意见等。继而有针对性的选取了11家中药中小企业和6家金融机构进行实地走访和事后电话访谈。论文分五部分,第一章为绪论,主要对论文的研究背景、研究意义和国内外研究现状做了简要介绍;第二章为调研计划构思,对本次调研流程做出介绍;第三章将问卷调查、实地走访和电话访谈的结果分为两类做了详细统计。首先对金融机构向中药中小企业提供金融服务的现状做了详细统计,其次对中药中小企业自身发展现状和其对金融机构提供服务的反馈情况做了详细统计;第四章根据调研结果对安国市金融机构服务中药中小企业的过程中存在的问题展开了详细分析。我们发现中药企业信用贷款业务是被当地金融机构忽视的一大业务领域,其实存在很大的发展前景。其次,当地贷款业务发展水平也有待提升,以便于市场需求更加切合;第五章从金融机构改善自身和互相联合两方面提出了针对性建议,例如以高新技术中药企业投资项目为标的,将期权融入银、保、企合作模式之中,实现风险共担。最后在文章末尾对此次调研成果做出了汇总,期待通过金融机构的改革创新,有效解决当地中药中小企业融资难的问题。
[Abstract]:Anguo City in Hebei Province is one of the largest distribution centers of traditional Chinese medicine and one of the birthplaces of Chinese traditional medicine culture. It is famous at home and abroad for its "medicine capital" and "the first medicine city in the world". However, local Chinese medicine enterprises are small and medium-sized enterprises. In recent years, although the Chinese traditional medicine market presents a good momentum of development, but the local traditional Chinese medicine enterprises are still suffering from the shortage of funds, local financial institutions to provide services to traditional Chinese medicine enterprises are still very limited. We designed two questionnaires to ask financial institutions about their lending, product development, difficulties and so on, and then to learn about the basic situation and the current business situation of small and medium-sized Chinese medicine enterprises. Financing status and feedback on existing financial services. Then selected 11 drug SMEs and 6 financial institutions for field visits and post-telephone interviews. The thesis is divided into five parts, the first chapter is the introduction, mainly on the research background, research significance and domestic and foreign research status; the second chapter is the concept of the research plan, the introduction of the research process; the third chapter will be questionnaire survey, The results of field visits and telephone interviews are divided into two categories: detailed statistics. Firstly, it makes detailed statistics on the current situation of financial institutions providing financial services to SMEs, and then makes detailed statistics on the status quo of SMEs' own development and feedback on the services provided by financial institutions. The fourth chapter analyzes the problems in the process of financial institutions serving SMEs in Anguo City. We find that the credit loan business of traditional Chinese medicine enterprises is a big business field neglected by local financial institutions, in fact, there is a great development prospect. Secondly, the development level of local loan business also needs to be improved so as to make the market more relevant. Chapter five puts forward targeted recommendations from the two aspects of financial institutions' improvement and mutual association. For example, taking the investment project of high-tech Chinese medicine enterprise as the target, the option is integrated into the cooperation mode of silver, insurance and enterprise, and the risk sharing is realized. At the end of the article, the author summarizes the research results and looks forward to effectively solving the financing difficulties of local Chinese medicine SMEs through the reform and innovation of financial institutions.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F426.72;F832.7

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