外资银行小微企业信贷业务之借鉴与研究

发布时间：2018-05-26 16:57

本文选题：外资银行 + 小微企业　；参考：《上海交通大学》2013年硕士论文

【摘要】：当前的社会经济取得了很大的发展，小企业在各国都有着十分重要的地位，在我国当然也是如此。根据相关的统计，在我国注册的企业中，小微企业的数量占到了绝大多数，这一比例达到了99%。在这些微小企业中，大部分都是民营企业，其资信状况以及相应的所有权结构都比较良好。对于银行业来说，给予小微企业贷款能够更好地促进其稳定发展，还能使其资产负债结构得到良好地改善，对于我国的国民经济的发展和和谐社会的构建都有着十分巨大的作用。然而，固然中小企业起着十分重要的作用，在贡献上也是非常大，但是其面临着融资难的问题，造成这种状况的原因是多方面的。不但包括金融机构的利益导向、融资渠道的缺乏，还包括信用担保的缺失、信息不对称等因素。对于小微企业的研究，我国还不是很完善，在这方面发达国家的研究要完善许多。在上世纪的时候，银行之间的竞争加剧，存贷利差也不是很明显，作为亟需的利润增长点，发达国家将小微企业的信贷业务是其十分看重的一项业务，且见效非常明显。本文在对国外先进经验进行介绍的基础上，对我国的实际情况做了相应的分析，，在此基础上提出了其存在的问题以及相应的解决措施，希望能够更好地促进我国小微企业的发展。
[Abstract]:The current social economy has made great progress, small enterprises have a very important position in all countries, of course in China. According to the related statistics, in our country registered enterprises, the number of small and micro enterprises accounted for the vast majority, this proportion reached 9910%. In these small enterprises, most of them are private enterprises, their credit status and the corresponding ownership structure are relatively good. For the banking sector, lending to small and micro enterprises can better promote its stability and improve its balance sheet structure. For the development of China's national economy and the construction of a harmonious society has a very great role. However, although small and medium-sized enterprises play a very important role in the contribution is also very large, but it is facing the problem of financing difficulties, this situation is caused by a variety of reasons. Not only the interest orientation of financial institutions, the lack of financing channels, but also the lack of credit guarantee, information asymmetry and other factors. For the research of small and micro enterprises, our country is not very perfect, in this respect, the developed countries should perfect a lot of research. In the last century, competition between banks intensified, deposit and loan spreads are not obvious, as a much-needed profit growth, developed countries will small and micro enterprises credit business is a very important business, and the results are very obvious. Based on the introduction of foreign advanced experience, this paper makes a corresponding analysis of the actual situation of our country, and then puts forward the existing problems and corresponding solutions. Hope to better promote the development of small and micro enterprises in China.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F275;F832.4

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