本文關(guān)鍵詞：基于城市商業(yè)銀行視角的中小企業(yè)融資研究　出處：《山東財(cái)經(jīng)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： 中小企業(yè) 融資難 城市商業(yè)銀行

【摘要】：中小企業(yè)在實(shí)現(xiàn)社會(huì)化專業(yè)協(xié)作，進(jìn)行技術(shù)創(chuàng)新，增加就業(yè)和滿足居民多樣化和個(gè)性化的需求方面發(fā)揮著重要的作用。但是目前中小企業(yè)的發(fā)展受到各個(gè)方面的制約，其中融資難問題首當(dāng)其沖。銀行貸款作為中小企業(yè)外部融資的重要來源，是緩解困境的主要途徑。而城市商業(yè)銀行在成立最初就本著“服務(wù)地方經(jīng)濟(jì)、服務(wù)中小企業(yè)，服務(wù)城市居民”的服務(wù)宗旨，并且與國有商業(yè)銀行相比，城市商業(yè)銀行在軟信息的獲取上，當(dāng)?shù)卣闹С稚希瑯I(yè)務(wù)操作的時(shí)效上都有明顯的優(yōu)勢。因此，應(yīng)該充分發(fā)揮城市商業(yè)銀行的競爭優(yōu)勢，找出緩解中小企業(yè)融資之道。 本文從城市商業(yè)銀行支持中小企業(yè)的融資的理論基礎(chǔ)出發(fā)，分析闡述了相關(guān)概念及理論，為后文研究提供了理論框架。此外，文章還總結(jié)了目前我國中小企業(yè)的融資現(xiàn)狀，并對(duì)中小企業(yè)融資困難的現(xiàn)實(shí)原因進(jìn)行了具體的分析。 同時(shí)，本文以萊商銀行為正面案例，，闡述了萊商銀行在為中小企業(yè)融資方面的可借鑒之處，并且也概括和總結(jié)了臺(tái)灣，美國，日本國內(nèi)外地區(qū)的優(yōu)秀經(jīng)驗(yàn)，在此基礎(chǔ)上，對(duì)我國城市商業(yè)銀行開展中小企業(yè)融資業(yè)務(wù)提出了對(duì)策和建議。
[Abstract]:Small and medium-sized enterprises in the realization of socialized professional collaboration, technological innovation. Increasing employment and meeting the diversified and personalized needs of the population plays an important role. However, the development of SMEs is restricted by various aspects. As an important source of external financing for small and medium-sized enterprises, bank loans are the main way to alleviate the difficulties, and the city commercial banks are "serving the local economy" at the beginning of their establishment. Service for small and medium-sized enterprises, serve urban residents "service purpose, and compared with state-owned commercial banks, urban commercial banks in the acquisition of soft information, the support of the local government." Therefore, it is necessary to give full play to the competitive advantage of urban commercial banks and find ways to ease the financing of small and medium-sized enterprises. Starting from the theoretical basis of the city commercial banks supporting the financing of small and medium-sized enterprises, this paper analyzes and expounds the relevant concepts and theories, which provides a theoretical framework for the later study. The paper also summarizes the current financing situation of SMEs in China, and analyzes the practical reasons for the financing difficulties of SMEs. At the same time, this paper takes Laishang Bank as a positive case, elaborated the Laishang Bank in financing for small and medium-sized enterprises can learn from, and also summarized and summarized Taiwan, the United States, Japan and other regions of the outstanding experience. On the basis of this, the paper puts forward some countermeasures and suggestions to the city commercial banks of our country to carry out the financing business of small and medium-sized enterprises.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F276.3;F832.4

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