本文關(guān)鍵詞： 中小企業(yè) 城市商業(yè)銀行 共贏　出處：《河南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著現(xiàn)代社會(huì)的飛速發(fā)展，我國(guó)經(jīng)濟(jì)穩(wěn)步上升，全國(guó)各地中小企業(yè)也如雨后春筍般涌現(xiàn)出來，其發(fā)展態(tài)勢(shì)不容小視。目前，中小企業(yè)已經(jīng)成為我國(guó)國(guó)民經(jīng)濟(jì)的重要組成部分，但其融資難問題仍未得到根本解決。與其在經(jīng)濟(jì)發(fā)展中的重要地位和巨大作用是不完全適應(yīng)的。 統(tǒng)計(jì)數(shù)據(jù)顯示，，我國(guó)企業(yè)中中小企業(yè)的數(shù)量達(dá)到了99%。在此之前，因?yàn)橹行∑髽I(yè)的信用體系不夠完善，信用信息真實(shí)性不高，導(dǎo)致了政府政策、銀行信貸、中介機(jī)構(gòu)服務(wù)等對(duì)中小企業(yè)的支持不夠準(zhǔn)確到位，嚴(yán)重制約中小企業(yè)的發(fā)展。尤其是受到全球金融危機(jī)的影響，很多中小企業(yè)由于沒能及時(shí)得到融資支持，紛紛破產(chǎn)關(guān)閉。 城市商業(yè)銀行對(duì)中小企業(yè)的融資支持有著其他金融機(jī)構(gòu)不可比擬的先天優(yōu)勢(shì)，同時(shí)也對(duì)自身的發(fā)展有很大幫助。盡管在服務(wù)的過程中會(huì)面臨諸多的困難，城市商業(yè)銀行還會(huì)憑借自身的優(yōu)勢(shì)，在中小企業(yè)融資方面發(fā)揮重要作用，形成自己的核心競(jìng)爭(zhēng)力。城市商業(yè)銀行可以通過自身特色、高效的經(jīng)營(yíng)管理模式，創(chuàng)造出銀企共贏的理想化局面。 本論文主要從城市商業(yè)銀行發(fā)展和中小企業(yè)融資兩個(gè)大前提出發(fā)，在此之間尋求一個(gè)融合點(diǎn)：即城市商業(yè)銀行如何在向中小企業(yè)提供融資支持的同時(shí)，實(shí)現(xiàn)自身利益的最大化。根據(jù)研究背景引出討論的問題，分析問題，對(duì)該問題的案例進(jìn)行研究，最后提出進(jìn)一步解決該問題對(duì)策的思路，分為六個(gè)部分。本文的第一部分簡(jiǎn)明扼要地闡述了本篇論文的所選課題的背景及意義，分析總結(jié)了先輩們的關(guān)于本研究課題的研究成果，引出本文討論的問題。本文的第二部分簡(jiǎn)明闡述了中國(guó)中小企業(yè)的融資情況，包含了怎樣對(duì)中小企業(yè)進(jìn)行界定、中小企業(yè)有哪些典型的特征、中小企業(yè)的融資現(xiàn)狀以及其融資困難的原因。本文的第三部分對(duì)城商行的發(fā)展進(jìn)行了簡(jiǎn)要敘述，介紹了城市商業(yè)銀行如何開展中小企業(yè)融資業(yè)務(wù)，最終與其達(dá)到雙贏狀態(tài)。本文的第四部分重點(diǎn)探析了Z城市商業(yè)銀行支持中小企業(yè)的成功案例，從中總結(jié)出寶貴經(jīng)驗(yàn)。此外，還探究了Z城市商業(yè)銀行支持中小企業(yè)融資的兩個(gè)實(shí)例。本文第五部分結(jié)合第四部分的案例從城市商業(yè)銀行的市場(chǎng)定位、建立與中小企業(yè)相匹配的機(jī)構(gòu)組織、風(fēng)險(xiǎn)管理等方面提出了一系列的對(duì)策建議，進(jìn)一步去改善和解決中小型、小微型企業(yè)融資難的問題。本文的第六部分對(duì)本篇論文做出結(jié)論，進(jìn)行了總結(jié)，并提出了本論文的創(chuàng)新點(diǎn)及不足。 本論文通過收集國(guó)內(nèi)和國(guó)外相關(guān)的期刊文獻(xiàn)及數(shù)據(jù)庫(kù)資料，結(jié)合國(guó)內(nèi)成功案例，以此為基礎(chǔ)來探究我國(guó)城市商業(yè)銀行應(yīng)該如何對(duì)中小企業(yè)融資進(jìn)行支持。
[Abstract]:With the rapid development of modern society, China's economy is rising steadily, and small and medium-sized enterprises have sprung up all over the country. Small and medium-sized enterprises (SMEs) have become an important part of our national economy, but their financing difficulties have not been fundamentally solved, which is not fully adapted to their important position and huge role in economic development. Statistics show that the number of small and medium-sized enterprises in our country reached 99%. Before this, because the credit system of SMEs is not perfect, the authenticity of credit information is not high, leading to government policies. Bank credit, intermediary services and other support to small and medium-sized enterprises are not accurate enough to seriously restrict the development of small and medium-sized enterprises, especially by the impact of the global financial crisis. Many small and medium-sized enterprises because did not get the financing support in time, one after another bankruptcy closes. The financing support of city commercial banks to small and medium-sized enterprises has the incomparable innate advantages of other financial institutions, but also has a great help to their own development, although in the process of service will face many difficulties. City commercial banks will also rely on their own advantages in the financing of small and medium-sized enterprises to play an important role in the formation of their own core competitiveness. Create a win-win situation for banks and enterprises idealized. This paper mainly from the city commercial bank development and small and medium-sized enterprises financing two premises, seek a convergence point between this: how the city commercial banks to provide financing support to small and medium-sized enterprises at the same time. According to the research background leads to the discussion of the problem, analysis of the problem, the case study of the problem, and finally put forward further solutions to the problem. This paper is divided into six parts. The first part of this paper briefly describes the background and significance of the selected topics of this paper, and analyzes and summarizes the previous research results on this subject. The second part of this paper briefly describes the financing situation of SMEs in China, including how to define SMEs, what are the typical characteristics of SMEs. The third part of this paper gives a brief description of the development of the city commercial bank, and introduces how the city commercial banks carry out the financing business of small and medium-sized enterprises. Finally, with its win-win situation. The 4th part of this article focuses on the Z City Commercial Bank to support the success of small and medium-sized enterprises, summed up valuable experience. This paper also explores two examples of Z City Commercial Bank supporting SME financing. The 5th part of this paper combined with the 4th part of the case from the market positioning of urban commercial banks to establish a matching organization with small and medium-sized enterprises. Risk management and other aspects of a series of countermeasures and suggestions to further improve and solve the financing problems of small and medium-sized enterprises, small and micro enterprises. The 6th part of this paper is concluded and summarized. At the same time, the innovation and deficiency of this paper are put forward. Based on the collection of domestic and foreign related periodical literature and database data and the successful cases in China, this paper explores how the city commercial banks in China should support the financing of small and medium-sized enterprises.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 汪正宏;梅春;;中小企業(yè)融資與城市商業(yè)銀行發(fā)展探討[J];經(jīng)濟(jì)論壇;2009年11期

本文編號(hào)：1475789