本文關(guān)鍵詞：中國工商銀行某分行小微企業(yè)貸款業(yè)務(wù)調(diào)研報告　出處：《遼寧大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 小微企業(yè) 信貸融資

【摘要】：占有全國企業(yè)總數(shù)99%的小微企業(yè)不僅促進(jìn)了經(jīng)濟(jì)的增長、維護(hù)著社會穩(wěn)定還增強(qiáng)了科技創(chuàng)新。但是，伴隨著小微企業(yè)的快速發(fā)展，其融資難問題也成為了制約我國經(jīng)濟(jì)發(fā)展的瓶頸，制約著我國經(jīng)濟(jì)的快速發(fā)展。當(dāng)前，如何解決小微企業(yè)的融資難問題已經(jīng)成為了政府、企業(yè)以及學(xué)者急需研究和解決的問題。而小微企業(yè)信貸業(yè)務(wù)的發(fā)展壯大不僅對商業(yè)銀行的持續(xù)發(fā)展具有推動作用，而且有助于解決我國中小企業(yè)融資難的問題。 2011年底，面臨著信貸緊縮，小微企業(yè)的融資難問題更加突出，生存環(huán)境更加惡化。為此，國務(wù)院及各地方政府積極扶持小微企業(yè)，為解決小微企業(yè)的融資難問題，連續(xù)出臺了一系列政策措施來增強(qiáng)對小微企業(yè)的金融支持力度，加大小微企業(yè)與企業(yè)的合作，取得了積極的成效。而小微企業(yè)融資的進(jìn)一步解決，也需要銀行的有效配合。作為政策的執(zhí)行者，銀行迫切需要考慮如何降低小微企業(yè)的融資成本，提高銀行的收益率，促進(jìn)小微企業(yè)金融服務(wù)的可持續(xù)發(fā)展。 面對激烈的同業(yè)競爭和挑戰(zhàn)，對于銀行來說，積極開展小微企業(yè)信貸業(yè)務(wù)無疑可以提高銀行的競爭力。而在小微企業(yè)貸款業(yè)務(wù)開展過程中，同樣面臨著貸款的風(fēng)險。本文通過對中國工商銀行某分行1的小微企業(yè)貸款業(yè)務(wù)進(jìn)行調(diào)研與分析，以期給中國工商銀行其他分支機(jī)構(gòu)乃至整個銀行金融機(jī)構(gòu)的小微企業(yè)貸款業(yè)務(wù)的開展提供借鑒和啟示，，從而有助于現(xiàn)今面臨的中小企業(yè)融資難的問題的順暢解決。 本文的分析研究過程及結(jié)論將對目前國內(nèi)銀行小微信貸部門及政府相關(guān)監(jiān)管部門一定的決策參考價值，并對中國工商銀行某分行小微信貸業(yè)務(wù)的運(yùn)營管理、風(fēng)險管理、市場營銷、人力資源管理等核心工作有具體的實踐指導(dǎo)作用。
[Abstract]:Small and micro enterprises, which account for 99% of the total number of enterprises in China, not only promote economic growth, maintain social stability, but also enhance scientific and technological innovation. However, with the rapid development of small and micro enterprises. At present, how to solve the financing problem of small and micro enterprises has become the government. Enterprises and scholars urgently need to study and solve the problems. And the development of small and micro-enterprise credit business not only promote the sustainable development of commercial banks. And help to solve the financing difficulties of small and medium-sized enterprises in China. In end of 2011, faced with the credit crunch, the financing problem of small and micro enterprises is more prominent, and the living environment is worsening. Therefore, the State Council and local governments actively support small and micro enterprises. In order to solve the financing difficulties of small and micro enterprises, a series of policies and measures have been continuously introduced to strengthen the financial support to small and micro enterprises, and to increase the cooperation between small and micro enterprises. The further solution to the financing of small and micro enterprises also needs the effective cooperation of banks. As the executor of policies, banks urgently need to consider how to reduce the financing costs of small and micro enterprises. Raise the rate of return of banks and promote the sustainable development of financial services for small and micro enterprises. In the face of fierce interbank competition and challenges, it is undoubtedly possible to improve the competitiveness of banks by actively developing small and micro enterprise credit business, while in the process of small and micro enterprise loan business. Also facing the risk of loans. This paper through a branch of the Industrial and Commercial Bank of China 1 small and micro enterprise loan business investigation and analysis. In order to provide reference and inspiration to other branches of Industrial and Commercial Bank of China and even the whole bank financial institutions to carry out the small and micro enterprise loan business. This will help solve the problem of financing difficulties faced by small and medium-sized enterprises. The analysis and research process and conclusion of this paper will be a certain reference value for the domestic bank micro-credit department and the relevant government supervision department at present, and the operation management of the small and micro credit business of a branch of Industrial and Commercial Bank of China. Risk management, marketing, human resources management and other core work has specific practical guidance.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F275

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