我国商业银行对小微企业贷款的策略研究

发布时间：2018-02-10 10:06

本文关键词： 商业银行小微企业贷款策略研究　出处：《西南科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：小微企业在我国经济社会发展中具有重要的战略地位,是保持国民经济平稳较快发展的重要基础。小微企业的融资难题在世界各国都不同程度存在,并受到多方关注和研究。我国小微企业在发展过程中,始终存在着生存风险大、信用体系不健全以及有效的担保凭证难以获得,再加之小微企业在资金需求方面存在着时间紧、周期短、多元化等特点,使得小微企业信贷融资方面和我国商业银行固有的信贷融资模式和要求存在极大的障碍和罅隙。本文以基础理论的研究为切入点,充分探讨国外大型商业银行在小微企业信贷融资方面的亮点、特色和业务优势。在剖析我国小微企业信贷融资模式基础上,对我国商业银行针对小微企业信贷融资的现状进行剖析,分别从银行、小微企业、宏观金融环境几个维度对小微企业信贷融资问题出现的原因进行分析。金融市场不完善、信贷融资市场不对等是小微企业信贷融资问题的主要原因,因此推动信贷融资市场的完善,为小微企业提供充足的信贷融资,成为解决问题的关键。但是,作为我国金融业主力军的国有商业银行,由于其体制机制方面的原因,对小微企业存在金融约束。与此同时,民间借贷的活跃和民间资本的高涨为解决小微企业融资提供了思路。在信贷融资市场不完善的情况下,规范民间借贷,加快国有商业银行的股权结构调整优化以及利用民间资本大力发展民营银行也就成为了解决小微企业信贷融资问题的核心。文章最后,从改善外部政策环境、深入开展国有商业银行股本结构调整、大力发展民营银行、完善信贷融资体制、提升信贷融资经营管理水平、小微企业主动调整自身,实现融资困境突围等角度进行了信贷融资对策分析。
[Abstract]:Small and micro enterprises have an important strategic position in the economic and social development of our country, and are the important foundation to maintain the steady and fast development of national economy. In the process of development of small and micro enterprises in our country, there are always great risks of survival, imperfect credit system and difficult to obtain effective guarantee documents. In addition, the small and micro enterprises have a tight time in terms of capital demand. The characteristics of short period and diversification make the credit financing of small and micro enterprises and the inherent credit financing mode and requirements of commercial banks of our country have great obstacles and gaps. This paper fully discusses the bright spots, characteristics and business advantages of foreign large commercial banks in the area of small and micro enterprise credit financing. On the basis of analyzing the credit financing mode of small and micro enterprises in China, This paper analyzes the present situation of credit financing of small and micro enterprises in China's commercial banks, and analyzes the causes of credit financing problems of small and micro enterprises from the perspectives of banks, small and micro enterprises and macro financial environment. The unequal credit financing market is the main reason for the credit financing problem of small and micro enterprises. Therefore, the improvement of credit financing market and the provision of adequate credit financing for small and micro enterprises are the key to solve the problem. The state-owned commercial banks, which are the main force of China's financial industry, have financial constraints on small and micro enterprises due to the reasons of their system and mechanism. At the same time, The active private lending and the upsurge of private capital provide a way to solve the financing of small and micro enterprises. In the case of imperfect credit financing market, regulate private lending. Speeding up the adjustment and optimization of state-owned commercial banks' equity structure and making full use of private capital to develop private banks have become the core of solving the problem of credit financing for small and micro enterprises. Finally, from improving the external policy environment, Deepen the adjustment of the equity structure of state-owned commercial banks, vigorously develop private banks, improve the credit financing system, upgrade the management level of credit financing, and actively adjust themselves by small and micro enterprises, The paper analyzes the countermeasures of credit financing from the angle of financing predicament breakthrough.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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