邢台建行中小企业信贷策略研究

发布时间：2018-06-25 04:03

本文选题：邢台建行 + 中小企业　；参考：《河北经贸大学》2014年硕士论文

【摘要】：从目前我国的市场经济组成来看，中小企业依然在我国市场经济中占据着比较重要的地位，对于促进我国经济的发展发挥着巨大的作用。但是目前中小企业的发展却面临着一个突出的问题，即中小企业的资金受到限制，企业融资比较困难。中小企业融资困难主要由于两个原因，一方面中小企业自身由于种种原因金融资源比较缺乏，另一方面我国商业银行在发展过程中面临着越来越严峻的形势，其利率下降等问题严重制约着商业银行对中小企业的贷款。所以，为了进一步的促进中小企业的发展，对其进行信贷结构优化和金融资金的调整，不仅能够促进我国信贷市场的合理发展，对于促进中小企业发展也至关重要。在本文，，笔者通过规范分析、比较分析和实证分析，对我国中小企业目前的信贷发展现状、信贷发展存在的问题以及原因等进行分析，并在此基础上为我国中小企业的信贷发展提供相关的建议措施等。总体来说，目前我国中小企业的信贷发展存在的主要问题是：首先中小企业发展自身的组织机构等不够完善和健全，其次中小企业缺乏有效的信贷激励机制，第三中小企业的信贷模式存在问题，第四中小企业现有的自身的信贷机制以及审批模式等存在不足，最后是商业银行针对中小企业的信贷产品品种比较少。通过邢台建行的具体研究分析，本文笔者将从八个方面对邢台建行的中小企业信贷进行改善建议，分别是：第一机构设置，第二信贷产品，第三信用评级，第四审批流程，第五贷后管理，第六不良处置，第七绩效考核，第八责任追究。为此，本文对于邢台建行的具体中小企业信贷改善进行了如下的建议分析：第一，中小企业自身需要进行改善，加强自身的信贷机构专业化建设，建立完善的中小企业的考核和激励制度；第二，要建立固定合理的中小企业信贷的相关制度规定，为中小企业的信贷提供指导；第三，科学合理的进行中小企业的信用评价、风险评价，优化信贷客户对象；第四，建立完善的贷后管理机制，对于不良资产进行快速核销；第五，进行中小企业信贷产品的创新发展，提供不同要求的中小企业信贷产品。当然，中小企业的信贷问题是一个多层面、全方位的问题，解决中小企业的信贷问题不仅仅需要从商业银行的角度入手进行解决，还需要多主体共同参与解决。为此，除了商业银行需要对此进行措施采取之外，政府部分、中央银行、中小企业自身和社会都应该参与进来，采取多种措施进行系统化的问题解决，从而促进整个金融市场的稳定和谐发展。
[Abstract]:According to the composition of the market economy in our country, the small and medium-sized enterprises still occupy a relatively important position in the market economy of our country, and play a great role in promoting the development of our country's economy. However, the development of small and medium-sized enterprises is faced with a prominent problem, that is, the funds of SMEs are restricted, and the financing of enterprises is more difficult. The financing difficulties of SMEs are mainly due to two reasons. On the one hand, the SMEs themselves are short of financial resources for various reasons. On the other hand, commercial banks in our country are facing more and more severe situation in the process of development. Its interest rate drops and so on the question seriously restricts the commercial bank to the small and medium-sized enterprise loan. Therefore, in order to further promote the development of small and medium-sized enterprises, the optimization of credit structure and the adjustment of financial funds can not only promote the rational development of the credit market in China, but also promote the development of small and medium-sized enterprises. In this paper, the author, through normative analysis, comparative analysis and empirical analysis, analyzes the current credit development situation, problems and causes of the credit development of small and medium-sized enterprises in China. And on this basis for the credit development of small and medium-sized enterprises in China to provide relevant measures and so on. Generally speaking, the main problems in the credit development of SMEs in our country are: first, the SMEs develop their own organization and so on are not perfect and perfect; secondly, the SMEs lack an effective credit incentive mechanism. There are some problems in the credit model of the third small and medium-sized enterprises, the fourth SMEs' existing credit mechanism and the examination and approval model, etc. Finally, the commercial banks have fewer kinds of credit products for the small and medium-sized enterprises. Through the concrete research and analysis of Xingtai Construction Bank, the author of this paper will improve the credit of small and medium-sized enterprises in Xingtai Construction Bank from eight aspects, namely: the first institution setup, the second credit product, the third credit rating, the fourth approval process. The fifth loan management, the sixth bad disposal, the seventh performance appraisal, the eighth responsibility investigation. For this reason, this article has carried on the following suggestion analysis to the Xingtai construction bank concrete small and medium-sized enterprise credit improvement: first, the small and medium-sized enterprise needs to carry on the improvement, strengthens own credit institution specialization construction, Establish a sound assessment and incentive system for small and medium-sized enterprises; second, establish a fixed and reasonable credit system for small and medium-sized enterprises to provide guidance for the credit of small and medium-sized enterprises; third, scientific and reasonable credit evaluation of small and medium-sized enterprises, Risk evaluation, optimize the target of credit customers; fourth, establish a sound post-loan management mechanism for the rapid write-off of non-performing assets; fifthly, carry out innovative development of SME credit products to provide different requirements of SME credit products. Of course, the credit problem of small and medium-sized enterprises is a multi-level and omni-directional problem. To solve the credit problem of small and medium-sized enterprises, we not only need to solve the problem from the perspective of commercial banks, but also need multi-subjects to participate in the solution. Therefore, in addition to the measures that commercial banks need to take, the government, the central bank, the small and medium-sized enterprises themselves and the society should all participate in taking various measures to systematize the problems. Thus promoting the stable and harmonious development of the entire financial market.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

【引证文献】