XX银行郑州分行中小企业信贷业务发展研究

发布时间：2018-05-24 13:58

本文选题：中小企业 + 信贷业务　；参考：《郑州大学》2014年硕士论文

【摘要】：中小企业是我国国民经济发展的重要组成部分,在我国经济结构转型过程中扮演着举足轻重的角色,同时也发挥着无可替代的作用。但是,中小企业却往往很难获得与之相适应的金融资源,究其原因,融资难的现状受制于现实中的诸多因素及各种金融限制,以致长期未得到有效解决。而商业银行受金融环境的影响,彼此之间的竞争愈演愈烈。加快信贷结构调整,XX银行郑州分行将中小企业信贷业务作为未来重要的发展方向,调整信贷结构,以此作为适应未来金融环境变化的战略决策。为了研究XX银行郑州分行中小企业授信业务,并提出具有现实意义的对策建议,本文通过阐述河南省中小企业信贷业务发展的现况,同时也对XX银行郑州分行进入中小企业信贷市场必要性的分析基础之上,深入解析在促进中小企业融资业务发展过程中出现众多问题,比如对中小企业信贷业务缺乏足够的认识和重视,信贷业务流程及风险管理体系不健全,缺乏信贷业务产品的创新,银企信息不对称,业务合作渠道狭窄,从业人员激励与约束制度不健全等,从明确中小企业信贷业务发展的重点和方向,优化信贷业务操作流程,加强中小企业信贷风险管理,研发创新型金融产品,解决银企信息不对称现状,以人为本培养风险意识和专业化信贷管理队伍六个方面提出解决XX银行郑州分行中小企业信贷业务发展瓶颈的对策建议,以期增强XX银行郑州分行中小企业信贷业务市场的竞争力,将XX银行郑州分行中小企业信贷业务推向一个新的高度。
[Abstract]:As an important part of the development of our national economy, small and medium-sized enterprises (SMEs) play an important role in the process of economic structural transformation in our country, and also play an irreplaceable role. However, it is very difficult for small and medium-sized enterprises to obtain suitable financial resources. The current situation of financing difficulties is limited by many factors in reality and various financial restrictions, which has not been effectively solved for a long time. But the commercial bank is affected by the financial environment, the competition between each other becomes more and more intense. To speed up the adjustment of credit structure, Zhengzhou Branch of XX Bank regards the credit business of small and medium-sized enterprises as the important developing direction in the future, and adjusts the credit structure as a strategic decision to adapt to the change of financial environment in the future. In order to study the credit business of small and medium-sized enterprises in Zhengzhou Branch of XX Bank, and put forward some practical countermeasures and suggestions, this paper expounds the present situation of the development of credit business of small and medium-sized enterprises in Henan Province. At the same time, on the basis of the analysis of the necessity of the Zhengzhou Branch of XX Bank to enter the credit market of small and medium-sized enterprises, it deeply analyzes that there are many problems in the process of promoting the development of financing business of small and medium-sized enterprises. For example, there is a lack of sufficient understanding and attention to the credit business of small and medium-sized enterprises, the imperfect credit business process and risk management system, the lack of innovation of credit business products, the asymmetry of information between banks and enterprises, and the narrow channels of business cooperation. The incentive and restraint system of employees is not perfect, from defining the focus and direction of the development of SME credit business, optimizing the operation process of credit business, strengthening the credit risk management of SMEs, and developing innovative financial products, To solve the current situation of information asymmetry in banks and enterprises, to cultivate risk consciousness and specialized credit management team, six aspects are put forward to solve the bottleneck of credit business development of small and medium-sized enterprises in Zhengzhou Branch of XX Bank. In order to enhance the competitiveness of the SME credit market of Zhengzhou Branch of XX Bank, it will push the SME credit business of Zhengzhou Branch of XX Bank to a new height.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】