大型商业银行小微企业信贷业务发展探究

发布时间：2018-03-09 01:19

本文选题：大型商业银行　切入点：小微企业　出处：《新疆财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：小微企业作为促进国民经济发展的重要力量，在经济的总体运行中占据越来越重要的位置。商业银行积极调整信贷结构，为小微企业提供全方位的信贷支持，将小微企业信贷业务作为保持自身可持续发展的一项重要战略选择。在财政税收政策的大力支持和推动下，大型商业银行也加大了对小微企业的支持力度，但是对小微企业的信贷支持明显不足，供需矛盾突出，，信贷缺口较大，小微企业信贷需求满足程度较低。小微企业信贷业务作为商业银行业务转型的战略重点，对大型商业银行进行战略升级以及可持续发展具有重要的现实意义和理论意义。本文首先对大型商业银行小微企业客户进行了界定，按照国家四部委企业规模划分标准明确了研究目标的范围与标准。然后分析了机会成本的内涵与外延，在分析国内外银行开展小企业业务的基础上先进经验的基础上进行有益借鉴。本文以大型商业银行为立足点，从我国小微企业的发展现状及大型商业银行开展小微企业信贷业务现状入手，阐释了大型商业银行开展小微企业信贷业务所面临的问题；分别从财务和经营业绩角度、信贷配给角度、声誉风险角度、信贷风险角度以及从国家宏观经济政策金融政策、银监会、地方政府、自身社会责任及其互联网金融冲击等方面进行分析，重点剖析了大型商业银行发展小微企业信贷业务的内部效益以及外部优势。最后在分析大型商业银行所面临的问题及内部效益外部优势的前提下提出了开展小微企业信贷业务的对策建议。
[Abstract]:As an important force to promote the development of the national economy, small and micro enterprises occupy an increasingly important position in the overall operation of the economy. Commercial banks actively adjust the credit structure to provide comprehensive credit support for small and micro enterprises. The credit business of small and micro enterprises is regarded as an important strategic choice to maintain their sustainable development. With the support and promotion of fiscal and tax policies, large commercial banks have also increased their support for small and micro enterprises. However, the credit support for small and micro enterprises is obviously insufficient, the contradiction between supply and demand is prominent, the credit gap is large, and the credit demand of small and micro enterprises is low. Strategic upgrading and sustainable development of large commercial banks have important practical and theoretical significance. Firstly, this paper defines the customers of small and micro enterprises in large commercial banks. The scope and standard of the research goal are defined according to the scale classification standard of the four ministries and departments, and then the connotation and extension of the opportunity cost are analyzed. On the basis of analyzing the domestic and foreign banks carrying out small business business, the paper makes a useful reference on the basis of advanced experience. This paper takes the large commercial banks as the foothold, Starting with the development of small and micro enterprises in China and the present situation of small and micro enterprise credit business in large commercial banks, the problems faced by large commercial banks in developing small and micro enterprise credit business are explained, respectively from the angle of financial and operational performance. From the perspective of credit rationing, reputation risk, credit risk, and from the aspects of national macroeconomic policy and financial policy, banking regulatory commission, local government, social responsibility and its Internet financial impact, This paper mainly analyzes the internal benefits and external advantages of the development of small and micro enterprise credit business in large commercial banks. Finally, it puts forward the development of small and micro enterprises on the premise of analyzing the problems faced by large commercial banks and the external advantages of internal benefits. The countermeasure suggestion of enterprise credit business.
【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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