A银行天安科技支行信贷业务发展对策研究

发布时间：2018-05-30 06:05

本文选题：科技支行 + 中小企业　；参考：《广东财经大学》2017年硕士论文

【摘要】：在2014年9月的夏季达沃斯论坛上,李克强总理第一次在公共场合提出“大众创业万众创新”的号召,此后,李克强总理在首届世界互联网大会、国务院常务会议及各类场合中多次阐述这一关键词,“创新”成为国家层面上的战略布局。高新技术企业的创新发展对我国经济结构的加速转型以及自主创新体系的建立具有重大意义。与之对应,金融体系也应当给予高新技术企业发展以金融支持,科技支行即是金融系统予以支持的重要体现。本文将A银行天安科技支行当作本文的研究对象,并在借鉴国内外其他地区,特别是美国硅谷银行的先进模式和经验研究天安科技支行的目前发展情况,并进而探究科技银行整体建设以及推广的高效方式。本文结合采用了文献阅读和案例分析法等研究方法,对天安科技支行展开研究,从选题背景和意义出发,剖析了科技银行的相关概念和海内外的研究现状,研究当前天安支行的现状,并提出存在的几点问题,包括科技金融产品的针对性不强、科技信贷业务规模范围不高、科技信贷授信条件较为严苛等方面,部分原因在于产品创新能力缺乏以及审批流程存在一定的阻碍等,再此基础上,提出天安科技支行的对策建议,包括推进科技金融产品的创新建设、简化审批流程及降低融资成本、加强人才的培养和机构的合作以及健全推进法律制定和政策扶持。本文的研究能够真正的帮助科技银行解决当前整体效率较低,创新能力较弱等问题,以及遭受互联网金融强烈冲击的前提下,提升银行的整体竞争力,真正寻找应对高新技术中小企业融资面临困难的有效方法,对科技银行在我国的健康发展提供良好的实践意义和借鉴效果。
[Abstract]:At the Summer Davos Forum in September 2014, Prime Minister Li Keqiang made the first public call for "Mass Entrepreneurship Innovation," followed by Prime Minister Li Keqiang at the first World Internet Congress. The executive meeting of the State Council and various occasions have expounded this key word many times. "Innovation" has become the strategic layout at the national level. The innovation and development of high-tech enterprises is of great significance to accelerate the transformation of economic structure and the establishment of independent innovation system. Accordingly, the financial system should also give financial support to the development of high-tech enterprises, and the scientific and technological branch is an important embodiment of the financial system. In this paper, A Bank Tianan Science and Technology Branch is regarded as the research object of this paper, and the current development situation of Tianan Science and Technology Branch is studied based on the advanced models and experiences of other regions at home and abroad, especially the Silicon Valley Bank of the United States. And then explore the overall construction of science and technology banks and the promotion of efficient ways. Based on the research methods of literature reading and case analysis, this paper studies the Tianan branch of science and technology. From the background and significance of the selected topic, it analyzes the related concepts of the Bank of Science and Technology and the present research situation at home and abroad. This paper studies the current situation of the Tianan Branch, and puts forward several problems, including the weak pertinence of the sci-tech financial products, the low scale of the sci-tech credit business, the strict credit conditions of the S & T credit, and so on. Part of the reason is that the ability of product innovation is lacking and there are some obstacles in the examination and approval process. On this basis, the countermeasures and suggestions for the Cheonan Science and Technology Branch are put forward, including the promotion of innovation and construction of scientific and technological financial products. To simplify the examination and approval process and reduce financing costs, strengthen the training of talent and institutional cooperation, and improve the promotion of law making and policy support. The research in this paper can really help the science and technology banks to solve the problems of low efficiency and weak innovation ability, and to enhance the overall competitiveness of the banks under the strong impact of Internet finance. To find an effective way to deal with the financing difficulties of high-tech small and medium-sized enterprises, and to provide good practical significance and reference effect for the healthy development of science and technology banks in China.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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