网络融资背景下我国商业银行完善中小企业贷款服务研究

发布时间：2018-03-10 13:01

本文选题：商业银行　切入点：中小企业　出处：《对外经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国经济体制以及金融体制改革的逐渐深入，国内广大中小企业发展形势良好、金融服务需求强烈，然而迫切需要成长发展的中小企业却因其信用担保等问题面临着融资贷款困难的问题。近些年来，伴随着大数据时代的到来,互联网金融行业发展突飞猛进,互联网贷款、众筹、P2P贷款等网络金融产业有效的缓解了中小企业融资困难,成为中小企业新的融资伙伴，给商业银行带来更多的机遇与挑战，而我国日渐开放的金融市场环境使商业银行面临越来越大竞争生存压力，传统商业银行迫切需要进行战略转型。关于网络融资背景下商业银行如何提升中小企业贷款服务、促进银行与中小企业共同发展的热点话题倍受金融经济领域关注。本文通过对网络融资背景下商业银行如何完善中小企业贷款服务这一方向来进行阐述，希望在了解国内中小企业的融资需求、国内银行和互联网融资渠道对中小企业的融资服务现状的基础上，探索商业银行拓展中小企业贷款服务、不断完善该类业务的可能性，并提出了实际有效的应对策略。首先，笔者说明了中小企业融资方面的相关理论，并以此为基础，，分析阐述了近些年来中小企业对银行贷款方面的需求状况，并且说明了银行业在中小企业信贷方面的供给情况，尽管该类金融服务在国内取得了很大的提升，但依然有许多问题亟待解决，现在银行业为中小企业做出的资金援助尚未良好地满足中小企业对银行贷款的迫切需求。此后文章阐述了互联网途径在对中小企业融资服务方面做出的努力及供给情况，并与传统的商业银行在中小企业服务方面进行了比较。论文最后提出了结论，立足于国内银行业改进、完善中小企业贷款服务的可能性，从商业银行原有的行业优势、由于经济环境变化所带来的经营困难、国内外商业银行成功的转型案例等等外部条件改善的角度来分析，提出了具体建议，包括加强银行网络信贷业务建设、联合互联网金融企业进行合作、改进商业银行的组织结构和经营管理制度、加强产品与服务的创新研究以及改进风险控制方式等。
[Abstract]:With the deepening of China's economic system and financial system reform, the development situation of domestic small and medium-sized enterprises is good, and the demand for financial services is strong. In recent years, with the advent of big data's era, the Internet financial industry has developed by leaps and bounds, and Internet loans have developed by leaps and bounds. The network finance industry, such as crowdfunding P2P loans, effectively alleviated the financing difficulties of SMEs, became a new financing partner for SMEs, and brought more opportunities and challenges to commercial banks. However, due to the increasingly open financial market environment in China, commercial banks are facing more and more competitive survival pressure. Traditional commercial banks urgently need to carry out strategic transformation. The hot topic of promoting the common development of banks and small and medium-sized enterprises has been paid close attention to in the field of finance and economy. This paper expounds how commercial banks improve the loan service of SMEs under the background of network financing, hoping to understand the financing needs of domestic SMEs. On the basis of the present situation of domestic banks and Internet financing channels, this paper explores the possibility for commercial banks to expand their loan services to SMEs, and puts forward practical and effective countermeasures. First of all, the author explains the relevant theory of SME financing, and on this basis, analyzes the demand of SMEs for bank loans in recent years. It also explains the supply of credit to small and medium-sized enterprises in the banking sector. Although this kind of financial service has made great progress in China, there are still many problems to be solved. At present, the financial assistance provided by the banking sector for small and medium-sized enterprises has not been able to meet the urgent needs of SMEs for bank loans. After that, the article expounds the efforts made by Internet channels in financing services for small and medium-sized enterprises and the supply situation. Finally, the paper puts forward the conclusion, which is based on the improvement of domestic banking, the possibility of perfecting the loan service of small and medium-sized enterprises, and from the commercial bank's original industry advantage, the paper makes a comparison with the traditional commercial banks in the service of small and medium-sized enterprises. Due to the operating difficulties brought about by the changes in the economic environment, the successful transformation cases of commercial banks at home and abroad and other external conditions are analyzed from the perspective of improving external conditions, and concrete suggestions are put forward, including strengthening the construction of bank network credit business. To cooperate with Internet financial enterprises, to improve the organization structure and management system of commercial banks, to strengthen the innovative research of products and services, and to improve the risk control methods and so on.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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