中信银行杭州分行小微企业信贷业务创新研究

发布时间：2018-04-24 22:28

本文选题：小微企业 + 信贷　；参考：《西北大学》2013年硕士论文

【摘要】：在我国,小微企业是市场经济中最具生机和活力的群体之一,对国民经济发展具有举足轻重的作用,其不管是在产品技术的创新、产业结构的调整、区域经济的崛起、和谐社会的建立等方面,还是在就业的解决和农村劳动力的转移方面都发挥着重要作用。然而,融资难一直是制约小微企业生存、发展的主要障碍。尤其在全球性金融危机下,小微企业的生产经营活动受到严重的冲击,融资难、贷款难、资金短缺等问题显得更加突出。小微企业在我国的经济发展中占有非常重要的地位。本文对小微企业作了科学的界定,并分析了小微企业在发展历程中极易出现融资困难等一系列问题。此外,在我国商业银行相关业务中,小微企业的信贷业务存在着一系列的问题,比如银行一般不愿意给小微企业贷款。此外,本文利用信息不对称原理分析了银行惜贷的原因,探讨了小微企业信贷制度存在的缺点。说明小微企业信贷机制创新的重要性,并对我国有关机构对小微企业信贷政策进行了深入的分析研究。最后,深入分析了中信银行杭州分行对小微企业的信贷所做的创新性改革。尤其是该分行针对流通型小微企业信贷的创新性工作。文中通过SWOT分析法对中信银行杭州分行的信贷创新现状进行详细分析,提出该分行当前存在的问题,并在此基础上提出创新模式。在文章结尾,对该商业银行设计的业务创新模式提出保障措施,以保障切实可行,期望能够将该模式向全国所有的中小银行推广。
[Abstract]:In China, small and micro enterprises are one of the most dynamic and dynamic groups in the market economy, and play an important role in the development of national economy, whether in the innovation of product technology, the adjustment of industrial structure, the rise of regional economy. The establishment of a harmonious society also plays an important role in the settlement of employment and the transfer of rural labor force. However, the difficulty of financing has been the main obstacle to the survival and development of small and micro enterprises. Especially in the global financial crisis, the production and management activities of small and micro enterprises are seriously impacted, financing is difficult, loans are difficult, capital shortage and other problems appear more prominent. Small and micro enterprises play a very important role in the economic development of our country. This paper gives a scientific definition of small and micro enterprises, and analyses a series of problems such as the difficulty of financing in the course of development of small and micro enterprises. In addition, there are a series of problems in the credit business of the small and micro enterprises in China, such as the banks are generally unwilling to lend to the small and micro enterprises. In addition, this paper analyzes the reasons of banks' reluctance to lend by using the principle of information asymmetry, and probes into the shortcomings of the credit system of small and micro enterprises. This paper explains the importance of the innovation of credit mechanism of small and micro enterprises, and makes an in-depth analysis and study on the credit policy of small and micro enterprises in China. Finally, the innovative reform of credit for small and micro enterprises by Hangzhou Branch of CITIC Bank is analyzed. In particular, the branch aimed at the circulation of small and micro-enterprise credit innovation work. This paper analyzes the credit innovation status of Hangzhou branch of CITIC Bank through SWOT analysis, puts forward the existing problems of the branch, and puts forward the innovation mode on the basis of it. At the end of the article, the paper puts forward the safeguard measures for the business innovation model designed by the commercial bank, in order to ensure the practicability, and expects that the model can be extended to all the small and medium-sized banks in the country.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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