农业银行乌兰察布分行中小企业贷款业务的现状及对策研究

发布时间：2018-06-07 23:12

本文选题：农业银行 + 中小企业　；参考：《内蒙古大学》2013年硕士论文

【摘要】：在国家经济建设和社会发展的道路上中小企业的地位和作用,对于任何一个国家都是不容质疑的,已成为国民经济适度增长、优化经济结构、提高就业率和促进社会和谐发展的重要力量。然而,制约我国中小企业发展的瓶颈---资金支持不足,尤其是融资难的问题始终没有得到实质性解决。所以解决这个问题需要政府部门、金融机构和社会中介机构等多方的共同努力与广泛合作。农业银行作为连接城乡、服务“三农”的国有大型商业银行,支持中小企业发展,既是经营之本,也是生存之道。因此,如何在风险可控的前提下,促进中小企业信贷业务的有效发展,是乌兰察布市农行当前最重要、最现实的发展课题。本文在国内外研究的基础上,立足于内蒙古乌兰察布市这一经济欠发达少数民族地区,以乌兰察布市农业银行为视角,以农行支持中小企业发展情况为研究对象,指出当地中小企业发展过程中遇到的主要瓶颈,结合其中小企业的发展现状,客观的分析乌兰察布市农业银行对中小企业资金支持不足的原因,借鉴国内外银行对中小企业金融支持的成功经验,从农行实际操作的角度出发,针对乌兰察布市发展中小企业贷款业务存在的问题,系统的提出完善乌兰察布市农业银行对中小企业资金支持的对策及思路。本文采用实地调研和统计分析方法相结合。理论分析和实证检验相结合的研究方法,以乌兰察布市农业银行作为研究对象,沿着“提出问题、分析问题、解决问题”的思路,进而实现中小企业贷款业务的快速与可持续发展,从而达到银行与企业之间的双赢。
[Abstract]:The status and role of small and medium-sized enterprises on the road of national economic construction and social development is indisputable to any country and has become a moderate growth of the national economy and optimization of the economic structure. Raising employment rate and promoting social harmonious development is an important force. However, the bottleneck that restricts the development of small and medium-sized enterprises in our country is lack of fund support, especially the problem of financing difficulty has never been solved substantively. Therefore, to solve this problem requires the joint efforts and extensive cooperation of government departments, financial institutions and social intermediaries. As a large state-owned commercial bank linking urban and rural areas, serving the "three rural areas" and supporting the development of small and medium-sized enterprises, Agricultural Bank is not only the foundation of operation, but also the way to survive. It is the most important and realistic development subject of Agricultural Bank of Wulanchabu to promote the effective development of credit business of small and medium-sized enterprises. Based on the research at home and abroad, this paper bases on the underdeveloped minority area of Wulanchabu, Inner Mongolia, takes the Agricultural Bank of Wulanchab as the visual angle, takes the Agricultural Bank of China to support the development of small and medium-sized enterprises as the research object. This paper points out the main bottlenecks encountered in the development of local small and medium-sized enterprises, and analyzes objectively the reasons for the lack of financial support for small and medium-sized enterprises by the Agricultural Bank of Wulanchabu, in combination with the present situation of the development of small and medium-sized enterprises. Based on the successful experience of banks at home and abroad in financial support to small and medium-sized enterprises, and from the perspective of AgBank's actual operation, this paper aims at the problems existing in the development of small and medium-sized enterprises' loan business in Wulanchabu. This paper puts forward the countermeasures and train of thought to improve the financial support of small and medium-sized enterprises by the Agricultural Bank of Wulanchabu. This paper combines the field investigation with the statistical analysis method. The research method of combining theoretical analysis with empirical test, taking the Agricultural Bank of Wulanchabu as the research object, follows the train of thought of "raising questions, analyzing problems, solving problems". And then realize the rapid and sustainable development of SME loan business, and achieve a win-win situation between banks and enterprises.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

【参考文献】