中国银行甘肃分行开展中小企业信贷业务的调查

发布时间：2019-06-06 03:13

【摘要】：我国的中小企业已经成为国民经济中十分活跃的力量,但是中小企业融资问题却日益成为制约中小企业发展的“瓶颈”。大多数学者认为,存在着大银行对大企业贷款,中小银行对中小企业贷款的格局。一般认为,大银行偏向于向大企业提供贷款,而中小企业贷款只能由中小银行提供。在我国银行结构中,大型银行占主导地位,中小银行发展不足,这成为制约中小企业贷款的一个重要因素。本文通过对中国银行甘肃分行中小企业信贷业务的全面介绍,得出大银行也可发展中小企业信贷业务,并且这将成为大银行新的利润增长点。本文首先简要介绍了我国的中小企业界定和其贷款现状,分析了贷款难的原因,主要是其资金需求具有特殊性,银企信息不对称,抵押担保难,银行的激励机制不健全,银行贷款产品缺乏创新；第二部分从外部环境和内部发展多角度分析了发展中小企业信贷业务是中国银行甘肃分行的战略选择,并介绍了现阶段所取得的成果；第三部分介绍了中国银行甘肃分行中小企业贷款的流程和实际操作中应当采取的措施和注意的问题；第四部分重点研究了中国银行甘肃分行中小企业信贷业务的创新途径,包括信贷模式的引入,产品和组织体系的创新；第五部分通过目标客户的选择方式,营销模式,人才培养和品牌树立等方面给出了中国银行甘肃分行今后发展中小企业信贷业务的建议。通过本文的论证,对于中国银行今后的中小企业业务发展以及公司金融业务转型具有一定的现实意义。
[Abstract]:Small and medium-sized enterprises in China have become a very active force in the national economy, but the financing of small and medium-sized enterprises has increasingly become a bottleneck restricting the development of small and medium-sized enterprises. Most scholars believe that there is a pattern of loans from large banks to large enterprises and loans from small and medium-sized banks to small and medium-sized enterprises. It is generally believed that large banks prefer to provide loans to large enterprises, while loans to small and medium-sized enterprises can only be provided by small and medium-sized banks. In the banking structure of our country, large banks occupy the dominant position, and the development of small and medium-sized banks is insufficient, which has become an important factor restricting the loans of small and medium-sized enterprises. Through the comprehensive introduction of the credit business of small and medium-sized enterprises in Gansu Branch of the Bank of China, this paper concludes that the big banks can also develop the credit business of small and medium-sized enterprises, and this will become a new profit growth point of the big banks. First of all, this paper briefly introduces the definition of small and medium-sized enterprises in China and the present situation of their loans, and analyzes the reasons for the difficulty of loans, mainly because of the particularity of their capital demand, the asymmetry of information between banks and enterprises, the difficulty of mortgage guarantee, and the imperfect incentive mechanism of banks. Lack of innovation in bank loan products; The second part analyzes that the development of credit business of small and medium-sized enterprises is the strategic choice of Bank of China Gansu Branch from the perspective of external environment and internal development, and introduces the achievements made at the present stage. The third part introduces the process of loan for small and medium-sized enterprises in Gansu Branch of the Bank of China and the measures that should be taken and the problems that should be paid attention to in the actual operation. The fourth part focuses on the innovative ways of credit business for small and medium-sized enterprises in Gansu Branch of the Bank of China, including the introduction of credit model, the innovation of products and organizational system. The fifth part gives some suggestions on the development of credit business of small and medium-sized enterprises in Gansu Branch of China in the future through the selection of target customers, marketing mode, talent training and brand establishment. Through the argument of this paper, it has certain practical significance for the business development of small and medium-sized enterprises and the transformation of financial business of Bank of China in the future.
【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

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