不同规模商业银行的中小企业信贷融资问题研究

发布时间：2018-05-19 17:11

本文选题：中小企业 + 商业银行　；参考：《复旦大学》2014年硕士论文

【摘要】：中小企业是国民经济的重要组成部分,是解决就业问题、出口创汇的坚实力量。但是,长久以来,中小企业融资问题一直困扰着无数小企业主和政策制定者,中小企业由于抗风险能力差、信息不透明、缺乏可抵押资产等原因难以从商业银行获得发展所需资金,而商业银行又是中小企业的主要融资来源,因此我国中小企业长期存在较大的资金缺口。通常人们认为,中小企业应该从中小银行获得信贷,大型企业应该从大型银行获得信贷。但是现在大型银行也逐渐重视中小企业业务,一些大型银行的小企业业务做得非常出色。本文首先描述了商业银行对中小企业信贷的现状,明确了中小企业对商业银行发展的重要意义；然后从几个方面对不同规模银行中小企业信贷的差异进行描述,并运用相关理论对形成差异的原因进行分析。此外,本文还运用了实证方法比较不同规模银行对中小企业信贷的效率,发现整体看来中小银行的效率比大银行更高。值得注意的是,大型银行中的建设银行的效率虽然没有达到效率前沿面,但是明显要高于其他大型银行和一些中小银行。因此,本文认为大型银行在正确的策略引导下,也能够有效的开展小企业信贷业务。大型银行和小型银行应当共同努力,制定符合自身条件的策略,更好地服务中小企业。最后,在研究了建设银行的小企业策略的基础上,本文提出了几条建议,希望能为我国商业银行的中小企业发展策略提供一点参考。
[Abstract]:Small and medium-sized enterprises are an important part of the national economy and a solid force to solve the employment problem and earn foreign exchange through export. However, for a long time, SME financing has been a problem for countless small business owners and policy makers, SMEs because of their poor ability to resist risk, information is not transparent, It is difficult to obtain the development funds from commercial banks due to the lack of mortgaged assets, and commercial banks are the main sources of financing for small and medium-sized enterprises, so there is a large funding gap for small and medium-sized enterprises in China for a long time. It is generally believed that small and medium-sized enterprises should obtain credit from small and medium-sized banks and large enterprises should obtain credit from large banks. But now large banks also gradually attach importance to small-and-medium-sized businesses, some large-sized banks do very well in small businesses. This paper first describes the current situation of commercial banks' credit to SMEs, clarifies the significance of SMEs' development to commercial banks, and then describes the differences of SMEs' credit in different scale banks from several aspects. And use the relevant theory to analyze the cause of the difference. In addition, the paper also uses empirical method to compare the efficiency of banks with different sizes to SMEs, and finds that the efficiency of small and medium-sized banks is higher than that of large banks. It is worth noting that the efficiency of China Construction Bank (CCB) in the large banks is obviously higher than that of other large banks and some small and medium-sized banks, although it does not reach the front line of efficiency. Therefore, this paper believes that large banks under the guidance of the correct strategy, can also effectively carry out small business credit business. Large and small banks should work together to develop strategies to better serve SMEs. Finally, on the basis of studying the small enterprise strategy of China Construction Bank, this paper puts forward several suggestions, hoping to provide some references for the development strategy of small and medium-sized enterprises in commercial banks of our country.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

【共引文献】