黄山市小微企业金融服务问题研究

发布时间：2018-01-25 05:44

本文关键词： 小微企业金融服务融资　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：一直以来,受主客观因素的影响,小微企业在金融资源可得性和服务时效性上突出表现为获得难和手续烦,小微企业金融服务的质效成为社会舆论关注的焦点。一方面国家连续出台扶持政策,建立了正向的激励机制,为小微企业的发展提供了思路和空间;另一方面金融机构从争取利润、市场拓展、转型发展等方面考虑,主动将小微企业市场作为战略选择,大力拓展小微企业金融业务。市域、县域是小微企业创立和成长最多和最快的区域,在限定的区域内,小微企业发展的地域特征比较明显且发展需求趋同,金融机构的类型在较长一段时间内相对稳定,小微企业金融服务的需求主要表现为对融资服务的需求,往往诉之于银行机构,银行机构服务的能力、效果、效率很大程度的决定了一个地区小微企业金融服务的发展水平,衡量的标准主要看:是否满足和不断适应大多数小微企业对于金融服务的有效需求,一定时期内小微企业成长为中大型企业以及长成为优质小微企业的数量,银行机构在服务小微企业的过程中是否实现了自身稳健发展和盈利的提高等等。同时,相关监管部门包括银监部门和地方政府相关部门对推进小微企业金融服务的助力也必不可少。本文从对区域性小微企业金融服务问题的研究出发,连接黄山市小微企业金融服务的需求端和供给端,关注小微企业生存发展、融资降本的现实状况,分析小微企业金融服务供给与支持的现状和问题,结合最新的政策导向和地域实际,提出可行性对策,致力于缓解小微企业资金难获、途径不通等服务质效不高的问题,并希望对具有相似市情的地区产生有益影响。目前,在黄山市小微企业金融服务工作中,各相关主体不仅作为而且有为。金融机构作为小微企业金融服务的直接供给者,在金融支持上建立小微企业专营机构,不断拓展小微企业金融服务覆盖面;推出推广各类产品,不断提升小微企业对金融产品和服务的选择性和适用度。相关监管部门作为服务的间接供给者,完善配套机制建设,持续创建小微企业金融服务良好环境。经济稳中向好,小微企业的有效需求回升,服务的有效供给不断跟进。但是,在服务小微企业的过程中,部分金融机构尤其是基层的银行机构确立了战略导向却没有转变服务姿态,设立了专营机构却没有配备充分的支撑资源,推出了小微企业产品和服务模式却没有建立或优化相应的业务流程,不断挖掘和拓展客户却没有采取有效的风控手段,差态度、激励弱、低效率、风险易的情况仍然存在。政策效应减弱、协调共享差、舆论引导缺等问题日益显现,小微企业金融服务较需求较预期仍有差距。鉴于上述问题,本文结合黄山市小微企业发展和金融服务现状,提出了完善黄山市小微企业金融服务的基本措施。建议金融机构应该不断完善组织构架、紧跟政策导向、明确目标客户、识别有效需求、强化风险管控等,发挥优势和主动,在服务态度、服务动力、服务形式、服务效率和融资后续服务等方面再进一步;相关监管部门应该有效发挥联动合力,确保建章立制、强化配套配合,创建良好的政策环境、信用环境和舆论环境;小微企业应该加强自身建设,通过建立健全制度、累积善积信用、坚持坚守实业等有效措施提高确保生存、稳定经营和谋求发展的能力。
[Abstract]:Has been affected by subjective and objective factors, Small and micro businesses availability and timeliness of service outstanding performance is difficult to obtain and complicated procedure in the financial resources, the quality and efficiency of Small and micro businesses in financial services has become the focus of public opinion. On the one hand, the national support policies, establishing the incentive mechanism of positive. Provide ideas and space for the development of Small and micro businesses; on the other hand from financial institutions for profit, market development, transformation and development, the initiative will be Small and micro businesses market as a strategic choice, vigorously expand Small and micro businesses in financial services. The city, the county is Small and micro businesses and created the largest and fastest growing in the region, in the limited area, the regional characteristics of Small and micro businesses development is obvious and the needs of the development of convergence, types of financial institutions is relatively stable for a long period of time, Small and micro businesses financial services demand mainly for On the demand for financing services, often appeal to banks, bank service ability, effect, efficiency largely determines a region Small and micro businesses financial services development level, the standard mainly depends on whether to meet and adapt to most Small and micro businesses for the effective demand for financial services, within a certain period of time. Small and micro businesses grow into large enterprises and become the number of high-quality Small and micro businesses, banking institutions in the service Small and micro businesses in the process of whether to realize its stable development and increase profits and so on. At the same time, the relevant regulatory authorities including the banking department and the relevant departments of the local governments is indispensable in promoting Small and micro businesses in financial services help. Based on regional small micro enterprise financial services research of the problem, connecting Huangshan City Small and micro businesses financial services demand side and the supply side, focus on small and micro enterprises The survival and development of industry, the financing situation falls, analysis on the status quo and problems Small and micro businesses supply of financial services and support, combined with the new policy and regional practice, put forward feasible measures, efforts to mitigate Small and micro businesses to be blocked funds, ways of service quality is not high, and I hope useful effect of similar city area in Huangshan City. At present, Small and micro businesses in financial services, the main body and not only as promising. Financial institutions as a small micro enterprise financial services supply directly, in financial support to establish specialized institutions Small and micro businesses, expanding the coverage of financial services Small and micro businesses launched promotion; all kinds of products, and constantly improve the selectivity of Small and micro businesses for financial products and services and applicability. The relevant regulatory authorities as an indirect supply of services, improve the supporting mechanism construction, continue to create Small and micro businesses financial services in a good environment. The good steady economic, effective demand Small and micro businesses rebound, the effective supply of services continue to follow up. However, in the service Small and micro businesses in the process, some financial institutions especially the grassroots banking institutions have established a strategic orientation does not change the service attitude, the establishment of specialized institutions but not equipped with sufficient resources support, launched a product and service model Small and micro businesses did not establish or optimize the business process, constantly excavate and expand the customer did not take effective means of risk control, poor attitude, low efficiency, weak incentive, risk situation still exists. The policy effect is weakened, coordinating and sharing. The lack of public opinion is becoming increasingly obvious, Small and micro businesses financial services more than expected demand there is still a gap. In view of the above problems, combining with the development of Small and micro businesses and financial services in Huangshan City, put forward Huangshan City small and micro enterprises to improve the basic measures of financial services. Financial institutions should continue to improve the organizational structure, followed by policy oriented, clear target customers, identify effective demand, strengthen risk management, and give full play to the advantages of active service in the service, attitude, motivation, service, service efficiency and financing Follow-Up Services etc. further; the relevant regulatory authorities should be effectively linked together, to ensure the jianzhanglizhi, strengthen supporting cooperation, create a good policy environment, credit environment and public opinion; Small and micro businesses should strengthen their own construction, through the establishment of a sound system, accumulation of good credit product, to ensure the survival of industrial and other effective measures to improve the operation ability and stability. Seeking development.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F832

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