乌鲁木齐市商业银行小微企业信贷发展研究

发布时间：2018-03-02 15:00

本文选题：乌鲁木齐市商业银行　切入点：小微企业信贷　出处：《新疆财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：目前，我国小微企业的规模将近5000万家，为国家提供了大部分的就业岗位，贡献了近三分之二的所得税。近年来，资源价格和劳动力成本不断上升，再加上金融危机的爆发，使得小微企业的经营更加困难，对资金的渴求更加强烈。对于乌鲁木齐市商业银行来说，利率市场化的改革，金融脱媒的加速等因素使得同业间的竞争更激烈，银行迫切希望开拓小微企业贷款这片蓝海。支持小微企业的发展，对于国家经济的顺利转型具有重要的战略意义，对于银行的可持续发展也有重大意义。本文以乌鲁木齐市商业银行为例，对其小微企业信贷进行了研究。首先研究了小微企业融资和地方性商业银行的相关理论，又对小微企业进行了界定，接着对乌鲁木齐市商业银行小微贷业务的现状和问题进行了分析，主要存在小微企业信贷业务经营成本高、小微企业信贷流程需进一步简化、针对小微企业的金融产品缺乏，创新不足等问题，最后结合乌鲁木齐市商业银行的现状，提出了促进当前小微贷业务的发展的建议，加强小微企业信用数据库建设，，完善和创新信贷业务流程，创新小微企业信贷服务产品，加强小微企业信贷风险控制，加大客户综合开发力度。
[Abstract]:At present, China's Small and micro businesses the size of nearly 5000 million, provided most of the jobs for the country, with nearly 2/3 of the income tax. In recent years, resource prices and labor costs continue to rise, coupled with the outbreak of the financial crisis, the Small and micro businesses business more difficult, more intense desire for money for Urumqi City Commercial Bank, the interest rate market reform, financial disintermediation acceleration and other factors make the interbank competition more intense, banks are eager to develop Small and micro businesses loans to support the development of this piece of blue. Small and micro businesses, has important strategic significance for the smooth transition of the national economy, it is of great significance for the the sustainable development of the bank.
This paper takes the case of Urumqi City Commercial Bank, the credit Small and micro businesses are studied. The paper firstly studies the related theories Small and micro businesses financing and local commercial bank, and to Small and micro businesses were defined, and then the Urumqi city commercial bank small micro credit business status and problems were analyzed, the main there are Small and micro businesses credit business operating costs are high, Small and micro businesses credit process needs to be further simplified for Small and micro businesses financial products lack, lack of innovation, and finally combined with the status quo of Urumqi City Commercial Bank, put forward to promote the development of the small and micro loan business advice, strengthen Small and micro businesses credit database construction, improve and the innovation of credit business process, credit service product innovation Small and micro businesses, strengthen Small and micro businesses credit risk control, increase customer comprehensive development efforts.

【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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