基于中小企业融资业务的ZS银行信贷策略研究
发布时间：2018-07-17 06:05
【摘要】：根据2011年的数据,我国中小企业占GDP的比重达到了60%以上,对就业的贡献率达到了85%,中小企业对我国经济和社会发展具有举足轻重的战略意义。方面,中小企业对国民经济的战略意义不言自明,另一方面中小企业的发展却长期徘徊在融资难、融资贵的困局中。当然中小企业融资在世界范围内都是一个难题。本研究旨在立足我国特定的中小企业发展环境现状和我国当前中小企业融资的特点,深入探索我国中小企业融资的宏观战略方向和微观层次上制度创新和体系构建。 通过对国内外关于中小企业融资问题的理论文献回顾发现,中小企业融资难的问题体现在融资渠道狭窄、融资成本高,具体原因包括：风险等级不一致性和信息不对称性,在信息不对称下,逆向选择以及道德风险导致了借贷市场上严重的借贷配给现象；中小企业特定的发展阶段也是决定其融资难的重要原因,企业在发展初期规模小、信息透明度低,缺乏可抵押资产。 ZS商业银行作为我国股份制商业银行的代表,对其中小企业融资业务的实证研究表明,我国目前商业金融体系不完善,商业银行在借贷审核、风险管理、产品创新等方面的发展还不完善是制约其中小企业信贷业务的主要内在原因,而整体社会信用体系的不成熟则是造成我国当前中小企业信贷问题的外在宏观因素。通过进一步对ZS商业银行在中小企业信贷创新方面的案例研究,可以归纳出当前商业银行对中小企业信贷业务方面比较系统化的解决方案。首先,在宏观层面上需要通过各种渠道建议国家在宏观层面加强社会信用体系的建设和完善；另一方面,在现有的约束条件下,商业银行需要从中小企业数据库建设等基础性工作着手,创新中小企业融资模式和建立中小企业信贷融资风险管理体系。 通过实证研究和规范研究发现,我国中小企业融资困局的解决确实是一个系统性的问题,商业银行通过构建现代化的风险管理体系和加强在信贷融资各个环节的制度创新和产品创新,政府则通过社会信用体系和多元融资担保体系的完善来从宏观上消除中小企业信贷融资的瓶颈。在这个过程中,银行与政府的互动和沟通则是加快实现中小企业信贷融资问题的关键。
[Abstract]:According to the data of 2011, the proportion of small and medium-sized enterprises in GDP has reached more than 60%, and the contribution rate to employment has reached 85%. The small and medium-sized enterprises play an important strategic role in the economic and social development of our country. On the other hand, the development of small and medium-sized enterprises linger in the difficulty of financing for a long time. Of course, SME financing in the world is a difficult problem. The purpose of this study is to explore the macro strategic direction and micro level institutional innovation and system construction of SMEs financing in China, based on the current situation of SMEs' development environment and the characteristics of SMEs' financing in China. By reviewing the domestic and foreign theoretical literature on the financing of SMEs, it is found that the financing difficulties of SMEs are reflected in the narrow financing channels and high financing costs, including the inconsistency of risk levels and the asymmetry of information. Under the asymmetric information, adverse selection and moral hazard lead to the serious loan rationing phenomenon in the loan market, and the special development stage of the small and medium-sized enterprises is also the important reason for the difficulty of financing, and the scale of the enterprise is small in the early stage of development. As the representative of China's joint-stock commercial banks, the empirical research on the financing business of small and medium-sized enterprises of ZS commercial banks shows that the current commercial financial system of our country is not perfect. The imperfections of commercial banks in loan audit, risk management, product innovation and so on are the main internal reasons that restrict the credit business of small and medium-sized enterprises. The immaturity of the whole social credit system is the external macro factor that causes the credit problem of the small and medium-sized enterprises in our country. Through the further case study on the credit innovation of small and medium-sized enterprises in ZS commercial bank, we can conclude that the commercial bank has a more systematic solution to the credit business of small and medium-sized enterprises at present. First of all, at the macro level, it is necessary to advise the country to strengthen the construction and improvement of the social credit system at the macro level through various channels; on the other hand, under the existing constraints, Commercial banks should start with the basic work such as database construction of small and medium-sized enterprises, innovate the financing mode of small and medium-sized enterprises and establish the risk management system of credit financing for small and medium-sized enterprises. Through empirical research and normative research, it is found that the solution to the financing difficulties of small and medium-sized enterprises in China is indeed a systemic problem. Commercial banks through the construction of a modern risk management system and strengthen the credit financing in all aspects of institutional innovation and product innovation, The government eliminates the bottleneck of SME credit financing macroscopically through the perfection of social credit system and multi-financing guarantee system. In this process, the interaction and communication between banks and governments is the key to accelerate the realization of SME credit financing.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275;F276.3
本文编号：2129336
[Abstract]:According to the data of 2011, the proportion of small and medium-sized enterprises in GDP has reached more than 60%, and the contribution rate to employment has reached 85%. The small and medium-sized enterprises play an important strategic role in the economic and social development of our country. On the other hand, the development of small and medium-sized enterprises linger in the difficulty of financing for a long time. Of course, SME financing in the world is a difficult problem. The purpose of this study is to explore the macro strategic direction and micro level institutional innovation and system construction of SMEs financing in China, based on the current situation of SMEs' development environment and the characteristics of SMEs' financing in China. By reviewing the domestic and foreign theoretical literature on the financing of SMEs, it is found that the financing difficulties of SMEs are reflected in the narrow financing channels and high financing costs, including the inconsistency of risk levels and the asymmetry of information. Under the asymmetric information, adverse selection and moral hazard lead to the serious loan rationing phenomenon in the loan market, and the special development stage of the small and medium-sized enterprises is also the important reason for the difficulty of financing, and the scale of the enterprise is small in the early stage of development. As the representative of China's joint-stock commercial banks, the empirical research on the financing business of small and medium-sized enterprises of ZS commercial banks shows that the current commercial financial system of our country is not perfect. The imperfections of commercial banks in loan audit, risk management, product innovation and so on are the main internal reasons that restrict the credit business of small and medium-sized enterprises. The immaturity of the whole social credit system is the external macro factor that causes the credit problem of the small and medium-sized enterprises in our country. Through the further case study on the credit innovation of small and medium-sized enterprises in ZS commercial bank, we can conclude that the commercial bank has a more systematic solution to the credit business of small and medium-sized enterprises at present. First of all, at the macro level, it is necessary to advise the country to strengthen the construction and improvement of the social credit system at the macro level through various channels; on the other hand, under the existing constraints, Commercial banks should start with the basic work such as database construction of small and medium-sized enterprises, innovate the financing mode of small and medium-sized enterprises and establish the risk management system of credit financing for small and medium-sized enterprises. Through empirical research and normative research, it is found that the solution to the financing difficulties of small and medium-sized enterprises in China is indeed a systemic problem. Commercial banks through the construction of a modern risk management system and strengthen the credit financing in all aspects of institutional innovation and product innovation, The government eliminates the bottleneck of SME credit financing macroscopically through the perfection of social credit system and multi-financing guarantee system. In this process, the interaction and communication between banks and governments is the key to accelerate the realization of SME credit financing.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275;F276.3
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