Z银行小微企业信贷业务发展问题研究
发布时间：2018-07-18 21:45
【摘要】：随着我国社会经济的不断发展,小微企业经济在社会经济中的地位和作用日益重要,在经济问题、社会问题等多个方面都发挥了积极作用。国家对小微企业经济的发展问题日益重视,尤其是在小微企业融资问题上,中央政府以及金融监管机构连续出台了多项政策给予小微企业信贷方面的支持。小微企业信贷业务也因此获得了迅速的发展。 纵观小微企业信贷业务的发展历程,银行对小微企业信贷业务的政策支持、发展方向、发展方式、组成结构等多方面都有着深刻的变化,由最初拒绝发展小微企业信贷业务,到开始推动、直至部分股份制商业银行将其列为发展重点；从单一的抵押类贷款品种,到贷款品种全面发展,呈现多样化、丰富化的局面；从单纯的追求信贷规模增长,到注重综合化经营效益水平。小微企业信贷业务迅速取得了长足的发展。 当前我国处于社会经济结构调整,增长方式转变以及产业升级的重要时刻,小微企业经济发展面临着相对复杂的局面。为提升小微企业信贷业务发展水平,促进小微企业经济发展,本文以相关理论为基础,立足Z银行小微信贷业务发展的实例进行分析研究,提出小微信贷业务发展的建议。本文共分成六个部分： 第一部分引言。介绍了本文研究背景、研究意义、国内外研究现状、思路和方法以及研究创新和不足等相关内容。 第二部分重点介绍了小微企业的定义、小微企业信贷业务的特征、影响因素以及相关理论等内容。 第三部分回顾了我国小微企业信贷业务的发展历程,指出我国小微企业信贷业务发展所具备的重大意义和Z银行发展小微企业信贷业务的必要性。 第四部分介绍了Z银行小微企业信贷业务的基本情况、业务品种和主要产品,阐述了Z银行发展小微企业信贷业务过程中存在的问题和障碍,分析了问题产生的原因。 第五部分主要是结合前面的研究和分析,提出针对Z银行的小微企业信贷发展的对策和措施。 第六部分主要总结了本文的主要结论和展望。
[Abstract]:With the development of social economy in China, the status and role of small and micro enterprises in social economy is becoming more and more important, and has played a positive role in many aspects, such as economic problems, social problems, etc. The state pays more and more attention to the development of microenterprise economy, especially on the financing of small and micro enterprises. The central government and financial regulators have successively issued a number of policies to support the credit of small and micro enterprises. The small and micro-enterprise credit business also obtained the rapid development as a result. Throughout the development of small and micro enterprise credit business, the bank has a profound change in policy support, development direction, development mode, composition structure and other aspects of the small and micro enterprise credit business, and has refused to develop small and micro enterprise credit business from the beginning. Until some joint-stock commercial banks listed it as the focus of development; from a single mortgage loan variety to the comprehensive development of loan varieties, showing diversification and enrichment; from the simple pursuit of credit scale growth, To pay attention to comprehensive management efficiency level. Small and micro-enterprise credit business has made rapid progress. At present, our country is in the important moment of the adjustment of social economic structure, the transformation of growth mode and the upgrading of industry. The economic development of small and micro enterprises is faced with a relatively complex situation. In order to improve the development level of credit business of small and micro enterprises and promote the economic development of small and micro enterprises, this paper, based on the relevant theories, analyzes and studies the development of small and micro credit business in Z Bank, and puts forward some suggestions for the development of small and micro credit business. This article is divided into six parts: the first part of the introduction. This paper introduces the research background, research significance, domestic and foreign research status, ideas and methods as well as research innovation and deficiencies and other related content. The second part focuses on the definition of small and micro enterprises, the characteristics of small and micro enterprises' credit business, influencing factors and related theories. The third part reviews the development course of the credit business of the small and micro enterprises in our country, and points out the great significance of the development of the credit business of the small and micro enterprises in our country and the necessity of the development of the credit business of the small and micro enterprises in Z bank. The fourth part introduces the basic situation, business variety and main products of the credit business of small and micro enterprises in Z Bank, expounds the problems and obstacles in the process of developing the credit business of small and micro enterprises in Z Bank, and analyzes the causes of the problems. In the fifth part, combined with the previous research and analysis, the countermeasures and measures for the credit development of small and micro enterprises in Z Bank are put forward. The sixth part summarizes the main conclusions and prospects of this paper.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4
[Abstract]:With the development of social economy in China, the status and role of small and micro enterprises in social economy is becoming more and more important, and has played a positive role in many aspects, such as economic problems, social problems, etc. The state pays more and more attention to the development of microenterprise economy, especially on the financing of small and micro enterprises. The central government and financial regulators have successively issued a number of policies to support the credit of small and micro enterprises. The small and micro-enterprise credit business also obtained the rapid development as a result. Throughout the development of small and micro enterprise credit business, the bank has a profound change in policy support, development direction, development mode, composition structure and other aspects of the small and micro enterprise credit business, and has refused to develop small and micro enterprise credit business from the beginning. Until some joint-stock commercial banks listed it as the focus of development; from a single mortgage loan variety to the comprehensive development of loan varieties, showing diversification and enrichment; from the simple pursuit of credit scale growth, To pay attention to comprehensive management efficiency level. Small and micro-enterprise credit business has made rapid progress. At present, our country is in the important moment of the adjustment of social economic structure, the transformation of growth mode and the upgrading of industry. The economic development of small and micro enterprises is faced with a relatively complex situation. In order to improve the development level of credit business of small and micro enterprises and promote the economic development of small and micro enterprises, this paper, based on the relevant theories, analyzes and studies the development of small and micro credit business in Z Bank, and puts forward some suggestions for the development of small and micro credit business. This article is divided into six parts: the first part of the introduction. This paper introduces the research background, research significance, domestic and foreign research status, ideas and methods as well as research innovation and deficiencies and other related content. The second part focuses on the definition of small and micro enterprises, the characteristics of small and micro enterprises' credit business, influencing factors and related theories. The third part reviews the development course of the credit business of the small and micro enterprises in our country, and points out the great significance of the development of the credit business of the small and micro enterprises in our country and the necessity of the development of the credit business of the small and micro enterprises in Z bank. The fourth part introduces the basic situation, business variety and main products of the credit business of small and micro enterprises in Z Bank, expounds the problems and obstacles in the process of developing the credit business of small and micro enterprises in Z Bank, and analyzes the causes of the problems. In the fifth part, combined with the previous research and analysis, the countermeasures and measures for the credit development of small and micro enterprises in Z Bank are put forward. The sixth part summarizes the main conclusions and prospects of this paper.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4
【参考文献】
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4 徐s罱，
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