珠江新城支行应收账款创新信贷研究

发布时间：2018-02-22 19:55

本文关键词： 应收账款中小企业融资　出处：《华南理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：中小企业是微观经济的基础，已成为社会主义市场经济中的重要组成部分，也是促进社会生产力发展的一支重要力量。中小企业客户是商业银行的重要客户群，一个不容忽视的问题是，中小企业发展面临着较多困难，其中最大的困难之一是融资难。基于此，本文在分析了银行业对中小企业融资现状的基础上，从多纬度多角度的来提出中小企业融资难的根本原因。然后从兴业银行广州珠江新城支行出发，介绍了支行对中小企的支持，大力开展信贷创新研究，，并以此介绍了应收账款质押业务的创新使用。最后通过案例，对兴业银行广州珠江新城支行的应收账款质押创新模式进行详细分析，论证该创新模式运用的可行性，期望有助于银行在小企业融资业务上有所发展。
[Abstract]:Small and medium-sized enterprises (SMEs) are the foundation of micro economy, an important part of socialist market economy, and also an important force to promote the development of social productive forces. A problem that can not be ignored is that the development of small and medium-sized enterprises is facing many difficulties, among which one of the biggest difficulties is the difficulty of financing. Based on this, this paper analyzes the current situation of banking financing for small and medium-sized enterprises. From the angle of multi-latitude and multi-angle, the paper puts forward the root cause of the financing difficulty of small and medium-sized enterprises. Then, starting from the Guangzhou Pearl River New City Branch of Industrial Bank of China, it introduces the support of the branch to the small and medium-sized enterprises, and makes great efforts to carry out the research of credit innovation. Finally, the paper analyzes the innovative mode of accounts receivable pledge in Guangzhou Pearl River New City Branch of Industrial Bank of China, and proves the feasibility of the application of this innovative mode. Expected to help banks in small business financing business development.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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