大连市城商行对小微企业信贷支持研究

发布时间：2018-01-05 11:21

本文关键词：大连市城商行对小微企业信贷支持研究　出处：《辽宁工程技术大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来市场经济不断发展,小微企业大量涌现,并已成为国民经济的重要组成部分,但融资难问题一直很突出。论文旨在研究城商行如何发挥自身优势,汲取成功经验,为小微企业提供更好的金融服务,并通过信贷问题的研究,为支持小微企业发展策略拓宽思路,提供有价值的参考。论文采用抽样问卷调查的方法,着重说明了在为小微企业提供金融服务的各类商业银行中城商行的地位和作用,并研究了城商行如何制定合理策略,进而解决小微企业融资难题。得出结论：主观上,城商行有动力能凭借自身诸多优势为小微企业融资提供有力支持；客观上,小微企业发展需要银行信贷,同时由于大中银行市场定位问题,小微企业更倾向于城商行贷款；城商行可采用供应链金融等模式为小微企业提供综合性金融服务,为小微企业的茁壮成长发挥积极信贷支持作用。
[Abstract]:In recent years, the development of market economy, Small and micro businesses have emerged, and has become an important part of the national economy, but the financing problem has been very prominent. This paper aims to study the city firm how to play to their strengths, learn from the successful experience, to provide better financial services for Small and micro businesses, and through the study of credit problems, broaden ideas for support Small and micro businesses development strategy, provide valuable reference. This paper uses the method of questionnaire, focuses on the status and role of providing financial services for Small and micro businesses of commercial banks and city commercial banks, city commercial banks on how to develop a reasonable strategy to solve the financing problems of Small and micro businesses. Conclusion: subjectively, the city firm has power by virtue of their own advantages for Small and micro businesses to provide financing support; objectively, Small and micro businesses need the development of bank credit, at the same time by In terms of market positioning of big and medium-sized banks, small and micro businesses are more inclined to city commercial bank loans. City commercial banks can provide comprehensive financial services for small and micro businesses by using supply chain finance and other modes, so as to play a positive role in credit support for the growth of small and micro businesses.

【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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