Z银行锦州支行中小企业信贷业务发展研究

发布时间：2019-05-11 15:05

【摘要】：长久以来,城市商业银行积极为中小企业提供信贷支持,在发挥积极作用的同时也面临着诸多问题。本文从城商行的角度出发对中小企业信贷业务进行研究,力度找寻既可缓解中小企业融资困难,又有利于城市商业银行的发展之路,因此具有重要的现实意义。本文共有四章内容。第一章提出问题,简要介绍了研究Z银行锦州支行中小企业信贷业务的意义,同时引据了中外文献对中小企业信贷问题的论述并对文献进行了评析,在此基础上提出本文的研究思路及方法。第二章作为理论延伸,对本文所研究的中小企业、城市商业银行的概念、特点进行了介绍,同时对国内外商业银行推出的同类信贷产品进行了比较。第三章在全面分析了Z银行锦州支行中小企业信贷业务现状,并找出存在问题。第四章在第三章的基础上提出了改进措施。第三章和第四章是本文论述的重点所在。第三章对Z银行锦州支行中小企业信贷业务现状进行分析,并找出贷款担保方式、产品种类、银企信息不对称、考核激励机制、贷款流程几个方面存在的问题,同时分析了问题成因。第四章从上述问题入手进行了改进：首先,建立科学多样的中小企业贷款担保方式；其次,根据不同企业的发展特征及同一企业的不同发展阶段的特点,不断开发有针对性的信贷产品；第三,加强信息的收集和交流,并通过关注企业发展的“软信息”了解企业经营状况,有效防范风险；第四,针对中小企业信贷部门制定行之有效的考核和激励办法；第五,对现有中小企业贷款流程进行简化,为中小企业客户提供更多方便；同时,在信贷支持的基础上,为中小企业提供如信息、理财等增值服务,以稳定客户群体,扩大市场份额。本文的重点是通过对Z银行锦州支行中小企业信贷业务问题的分析,找寻解决途径,提出改进措施。通过这些改进,使Z银行锦州支行中小企业信贷服务更加完善,对中小企业的扶持作用更加显著,而中小企业的发展必然带动地区经济发展,创造更好的金融环境,有利于Z银行锦州支行的发展,实现银企共赢。
[Abstract]:For a long time, city commercial banks actively provide credit support for small and medium-sized enterprises, not only play a positive role, but also face many problems. This paper studies the credit business of small and medium-sized enterprises from the point of view of urban commercial banks, so it is of great practical significance to find out that it can not only alleviate the financing difficulties of small and medium-sized enterprises, but also benefit the development of urban commercial banks. There are four chapters in this paper. The first chapter puts forward the questions, briefly introduces the significance of studying the credit business of small and medium-sized enterprises in Jinzhou Branch of Z Bank, and cites the Chinese and foreign literature to discuss the credit problems of small and medium-sized enterprises and comments on the literature. On this basis, the research ideas and methods of this paper are put forward. The second chapter, as a theoretical extension, introduces the concept and characteristics of small and medium-sized enterprises and urban commercial banks studied in this paper, and compares the similar credit products introduced by domestic and foreign commercial banks. The third chapter analyzes the present situation of credit business of small and medium-sized enterprises in Jinzhou Branch of Z Bank, and finds out the existing problems. The fourth chapter puts forward the improvement measures on the basis of the third chapter. The third chapter and the fourth chapter are the key points of this paper. The third chapter analyzes the present situation of credit business of small and medium-sized enterprises in Jinzhou Branch of Z Bank, and finds out the problems existing in the aspects of loan guarantee mode, product type, information asymmetry between banks and enterprises, assessment incentive mechanism and loan process. At the same time, the causes of the problem are analyzed. The fourth chapter makes improvements from the above problems: first of all, the establishment of scientific and diverse ways of loan guarantee for small and medium-sized enterprises; Secondly, according to the development characteristics of different enterprises and the characteristics of different development stages of the same enterprise, continue to develop targeted credit products; Third, strengthen the collection and exchange of information, and through paying attention to the development of enterprises "soft information" to understand the business situation of enterprises, effectively prevent risks; fourth, formulate effective assessment and incentive measures for the credit departments of small and medium-sized enterprises; Fifth, simplify the existing loan process of small and medium-sized enterprises, and provide more convenience for small and medium-sized enterprise customers; At the same time, on the basis of credit support, provide value-added services such as information, financial management and other value-added services for small and medium-sized enterprises, in order to stabilize the customer group and expand market share. The focus of this paper is to analyze the credit business problems of small and medium-sized enterprises in Jinzhou Branch of Z Bank, find out the solutions and put forward the improvement measures. Through these improvements, the credit service of small and medium-sized enterprises in Jinzhou Branch of Z Bank will be more perfect, and the supporting effect on small and medium-sized enterprises will be more remarkable. The development of small and medium-sized enterprises will inevitably drive the regional economic development and create a better financial environment. It is beneficial to the development of Jinzhou Branch of Z Bank and the realization of win-win between banks and enterprises.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】