A银行宁夏分行中小企业信贷业务发展对策研究

发布时间：2018-01-11 11:18

本文关键词：A银行宁夏分行中小企业信贷业务发展对策研究　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：A银行为三大政策性银行之一,政策性银行即由政府发起、出资成立,为贯彻和配合政府特定经济政策和意图而进行融资和信用活动,不以营利为目的,专门为贯彻、配合政府社会经济政策或意图,在特定的业务领域内,直接或间接地从事政策性融资活动,充当政府发展经济、促进社会进步、进行宏观经济管理工具。中小企业融资难问题是中小企业发展过程中巨大的阻碍,A银行随着金融体系改革的不断深化发展,在国家对于中小企业的政策倾斜大形势下,中小企业贷款业务已成为A银行民生金融业务的重要组成部分,所以完善A银行中小企业信贷业务势在必行。本文通过研究A银行对中小企业的信贷状况,针对中小企业的实际情况,与同业银行及商业银行信贷业务进行对比,研究A银行信贷业务中存在的问题。同时,通过研究信用风险评估模式以及信贷产品、信贷投资方向,总结国内外同业及商业银行的经验,为A银行提出中小企业信贷业务新的发展方向。
[Abstract]:A bank is one of the three policy banks, policy banks initiated by the government funded the establishment, financing and credit activities to implement and cooperate with government policies and specific economic purposes, not for profit purposes, specifically to carry out, cooperate with government's social economic policy or intention, in the specific business field, directly or indirectly engaged in policy financing activities, as the government economic development, promoting social progress, macro economic management tools. The financing problem of SMEs is the development of small and medium-sized enterprises in a huge obstacle, A bank financial system with the deepening of the reform in national development, for small and medium-sized enterprise policy situation, small and medium-sized business loan business has become an important part of A Minsheng Bank financial business, so to improve the A bank SME credit business for small and medium-sized enterprises is imperative. This paper through the research of A bank Industry credit conditions, according to the actual situation of small and medium-sized enterprises, compared with the interbank credit business and commercial bank, A bank credit business of the problem. At the same time, through the research on the credit risk assessment model, credit products, credit investment direction, summarizes the domestic banks and commercial banks experience, put forward the new development direction the small and medium-sized enterprise credit business of A bank.

【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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