松原市银行业小微企业信贷政策执行分析

发布时间：2018-10-31 20:06

【摘要】：小微企业占我国企业总数的99%，贡献了中国60%的GDP和50%的税收，在促进我国经济稳增长、扩内需、调结构方面所起到的重要作用日益凸显，对于提升我国经济活力，增加财税收入、扩大就业、促进实体经济健康发展等方面发挥着不可替代的作用。与此同时，小微企业也面临着转型升级难、成本高、技术低，尤其融资难等问题，这已成为制约小微企业生存和发展的瓶颈。特别是在一轮又一轮经济剧烈波动中，小微企业抵御外部风险能力差，融资难导致小微企业生存难的问题更加凸显，小微企业生产、经营、周转、扩大规模等都需要资金支持，而银行业作为资金供给的主要载体，自然成为小微企业的众多融资工具中，最重要的渠道。与此同时，，拓展小微企业信贷业务对银行来讲，既可以调整和优化信贷结构，寻找新的利润增长点，又可以提升可持续发展水平，实现银行业稳健运行。因此可以说，银行业加强对小微企业的信贷支持力度，提升银行业小微企业信贷政策执行效果，是实现银行业与小微企业共同发展的双赢选择，具有重要而深远的现实意义。本文主要分为七个部分。第一部分阐述了研究银行业小微企业信贷政策执行的重要意义；第二部分介绍了松原市银行业和小微企业发展现状；第三部分以图表格式列举了银行业小微企业信贷政策的主要内容；第四部分从信贷投放力度、机构准入、审批效率、定价收费、激励约束机制和创新六个方面列举了松原市银行业小微企业信贷政策执行实践；第五部分详细分析了松原市银行业小微企业信贷政策执行偏差的表现及原因；第六部分提出了提升松原市银行业小微企业信贷政策执行的选择；第七部分指出了论文存在的问题和不足。
[Abstract]:Small and micro enterprises account for 99% of the total number of enterprises in our country. They contribute 60% of China's GDP and 50% of the tax revenue. They play an increasingly important role in promoting stable economic growth, expanding domestic demand, and adjusting the structure of China's economy, and play an increasingly important role in promoting the economic vitality of our country. Increasing revenue, expanding employment and promoting the healthy development of real economy play an irreplaceable role. At the same time, small and micro enterprises are also faced with the difficulties of transformation and upgrading, high cost, low technology, especially difficult financing, which has become a bottleneck restricting the survival and development of small and micro enterprises. In particular, in the fierce fluctuations of the economy round after round, the small and micro enterprises have poor ability to resist external risks, and the difficulty of financing leads to the difficulty of survival of the small and micro enterprises. The production, operation, turnover and expansion of the scale of the small and micro enterprises all need financial support. Banking, as the main carrier of capital supply, naturally becomes the most important channel of many financing tools for small and micro enterprises. At the same time, expanding the credit business of small and micro enterprises can not only adjust and optimize the credit structure, search for new profit growth point, but also improve the level of sustainable development and realize the steady operation of the banking industry. Therefore, it can be said that strengthening the credit support to the small and micro enterprises and improving the implementation effect of the credit policy of the small and micro enterprises in the banking industry is a win-win choice for the joint development of the banking industry and the small and micro enterprises, which has important and far-reaching practical significance. This paper is divided into seven parts. The first part expounds the significance of the research on the implementation of the credit policy of the small and micro enterprises in the banking industry, the second part introduces the present situation of the development of the banking industry and the small and micro enterprises in Songyuan City. The third part lists the main contents of the credit policy of small and micro enterprises in the banking industry. The fourth part enumerates the implementation practice of credit policy of small and micro enterprises in Songyuan City from six aspects: the strength of credit, institutional access, efficiency of examination and approval, pricing and charging, incentive and restraint mechanism and innovation. The fifth part analyzes the performance and reasons of credit policy deviation of small and micro enterprises in Songyuan city banking industry, the sixth part puts forward the choice of how to improve the implementation of credit policy of small and micro enterprises in Songyuan banking industry. The seventh part points out the problems and shortcomings of the thesis.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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