工商银行德州分行小企业信贷困境研究

发布时间：2018-02-10 13:46

本文关键词： 工商银行小企业信贷需求融资模式　出处：《华中科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：伴随中国经济不断发展，量大面广的小企业开始广泛参与市场竞争，不但促进了市场配置资源基础性作用的发挥，也为建立和完善社会主义市场经济体制发挥了重要作用。近几年，政府相关部门不断出台促进小企业发展和解决小企业融资困境的办法和意见，极大地促进了小企业发展。尽管近几年小企业贷款额度不断增加，但是仍然难以满足众多小企业的融资需求。基于县域小企业发展和融资现状，将小企业发展中遇到的融资困境进行研究不仅具有一定的历史意义，而且从银行角度解析小企业融资困境还具有一定的现实意义。本文是通过研究当前工商银行对于小企业信贷管理的理念，特别是营销思路和营销体系，并根据工商银行基层支行小企业贷款的现状，从小企业融资模式入手提出不发达地区工商银行（以德州市为例）提升小企业发展和融资的思路、方法。本文从工商银行的角度，以工商银行基层支行对于小企业的贷款模式，贷款管理分析，以及小企业的经营现状进行分析，充分认识到小企业贷款的收益率比较高、有利于分散风险、优化信贷结构的作用，，因此银行应向小企业贷款要收益、要质量、要社会形象，并对小企业贷款有关问题作进一步细化研究，同时对工商银行面临的突出问题和市场状况进行认真分析，谋划发展战略，找准努力方向，明确目标任务，狠抓工作落实，使得工商银行特别是基层支行对于小企业信贷研究向前推进一步。
[Abstract]:With the continuous development of China's economy, small enterprises with a wide range of quantities have begun to participate in market competition extensively, which not only promotes the basic role of market allocation of resources, It has also played an important role in the establishment and improvement of the socialist market economy system. In recent years, the relevant government departments have constantly issued measures and opinions to promote the development of small enterprises and to solve the financing difficulties of small enterprises. It has greatly contributed to the development of small enterprises. Although the amount of small business loans has been increasing in recent years, it is still difficult to meet the financing needs of many small enterprises. It is not only of historical significance to study the financing difficulties encountered in the development of small enterprises, but also of practical significance to analyze the financing difficulties of small enterprises from the perspective of banks. This paper is based on the current ICBC credit management concept for small enterprises, especially marketing ideas and marketing system, and according to the ICBC grass-roots branch of small business loans, Starting with the financing mode of small enterprises, this paper puts forward the ideas and methods of promoting the development and financing of small enterprises by the Industrial and Commercial Bank of underdeveloped areas (taking Dezhou City as an example). The analysis of loan management, as well as the operation status of small enterprises, fully recognizes that the rate of return on loans of small enterprises is relatively high, which is conducive to dispersing risks and optimizing the role of credit structure. Therefore, banks should make loans to small enterprises to obtain income and quality. It is necessary to have a social image, and make further detailed studies on the problems related to small business loans, and at the same time make a serious analysis of the outstanding problems and market conditions faced by the Industrial and Commercial Bank of China, plan development strategies, find out the direction of efforts, and clarify the objectives and tasks. Pay close attention to the implementation of the work, so that ICBC, especially the grassroots branch of small business credit research forward a step forward.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F276.3

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