JN银行科技型中小企业信贷业务发展策略研究

发布时间：2017-12-31 16:02

  本文关键词：JN银行科技型中小企业信贷业务发展策略研究　出处：《南京理工大学》2014年硕士论文　论文类型：学位论文

  更多相关文章： 科技型中小企业 信贷业务 策略

【摘要】：商业银行发展科技型中小企业信贷业务,不仅有利于缓解科技型中小企业融资困境,促进科技型中小企业的成长,也有利于银行摆脱同质化竞争,创造新的利润增长点,实现战略转型。本文站在商业银行的角度,采用文献归纳法、经验总结法,以及理论与实际相结合等方法,对JN银行发展科技型中小企业信贷业务问题进行了研究。本文首先从常州市商业银行对科技型中小企业的支持现状、科技型中小企业融资需求的特点以及银行操作科技型中小企业贷款的难点等方面分析了常州市科技型中小企业信贷融资的现状,帮助JN银行看清科技型中小企业信贷业务市场存在的巨大潜力及挑战。然后,对JN银行科技型中小企业信贷业务开展现状进行了调研与分析,探讨了其业务发展中存在的问题,并进一步研究了JN银行发展科技型中小企业信贷业务的内外部条件。接着,梳理、分析和总结国内外银行开展科技型中小企业信贷业务的先进经验,并得出对JN银行发展科技型中小企业信贷业务的启示。最后,从目标定位、组织管理、业务流程、产品服务和风险防控等方面,提出JN银行发展科技型中小企业信贷业务的策略。
[Abstract]:Commercial banks to develop the credit business of small and medium-sized technological enterprises, not only help to alleviate the financing difficulties of small and medium-sized technological enterprises, promote the growth of small and medium-sized technological enterprises, but also help banks get rid of the homogeneous competition. To create a new profit growth point to achieve strategic transformation. This paper stands in the perspective of commercial banks, using the method of literature induction, empirical summary, and the combination of theory and practice. JN Bank to develop the credit business of small and medium-sized technological enterprises was studied. Firstly, this paper from Changzhou City Commercial Bank to support the status quo of small and medium-sized technology-based enterprises. The characteristics of financing demand of science and technology SMEs and the difficulties of bank operation in financing of science and technology SMEs are analyzed from the aspects of the present situation of credit financing of science and technology SMEs in Changzhou. Help JN bank to see the huge potential and challenge of the credit business market of small and medium-sized technology-based enterprises. Then, the research and analysis of the status quo of credit business of high-tech SMEs in JN bank are carried out. This paper discusses the problems existing in the development of its business, and further studies the internal and external conditions for JN Bank to develop the credit business of small and medium-sized technological enterprises. This paper analyzes and summarizes the advanced experience of domestic and foreign banks in developing the credit business of science and technology SMEs, and draws the enlightenment to JN bank to develop the credit business of science and technology small and medium-sized enterprises. Finally, from the goal orientation, the organization management. In the aspects of business process, product service and risk prevention and control, this paper puts forward the strategy of JN bank to develop the credit business of small and medium sized enterprises based on science and technology.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3
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本文编号：1360450