本文選題：長(zhǎng)沙銀行 + 小微企業(yè)��； 參考：《中南大學(xué)》2013年碩士論文

【摘要】：摘要：隨著市場(chǎng)經(jīng)濟(jì)的發(fā)展,小微企業(yè)已成為我國(guó)最活躍的經(jīng)濟(jì)成分之一。盡管小微企業(yè)為我國(guó)的經(jīng)濟(jì)飛躍做出突出貢獻(xiàn),但因其抗風(fēng)險(xiǎn)能力差、信息不透明等缺點(diǎn)導(dǎo)致直接融資難度較大,因此,商業(yè)銀行信用貸款仍是其可獲的主要外部融資渠道。相較大中型商業(yè)銀行而言,城市商業(yè)銀行在發(fā)展小微企業(yè)信貸業(yè)務(wù)上更有動(dòng)力,也更有優(yōu)勢(shì)。 本文根據(jù)作者在長(zhǎng)沙銀行的實(shí)習(xí)經(jīng)驗(yàn)與資料收集,通過(guò)比較商業(yè)銀行已推行的小微企業(yè)信貸業(yè)務(wù)模式,并借鑒國(guó)內(nèi)外商業(yè)銀行的成功案例,從長(zhǎng)沙銀行的角度對(duì)長(zhǎng)沙銀行現(xiàn)行的小微企業(yè)信貸業(yè)務(wù)模式進(jìn)行全面的分析和研究。通過(guò)分析發(fā)現(xiàn),長(zhǎng)沙銀行的小微企業(yè)信貸業(yè)務(wù)雖然發(fā)展勢(shì)頭良好,但其模式仍然存在一些問(wèn)題,如小微企業(yè)信貸產(chǎn)品缺失、貸款審批不嚴(yán)格和風(fēng)險(xiǎn)管控能力不足等。這些問(wèn)題的形成與銀行自身功能錯(cuò)位、銀企之間信息不對(duì)稱等現(xiàn)象有著密不可分的聯(lián)系。針對(duì)長(zhǎng)沙銀行小微企業(yè)信貸業(yè)務(wù)發(fā)展中所面臨的問(wèn)題及其成因,本文從改革長(zhǎng)沙銀行的金融機(jī)制與小微企業(yè)信貸業(yè)務(wù)服務(wù)技術(shù),完善貸款審批流程(注重貸前調(diào)查、強(qiáng)化貸中監(jiān)控、嚴(yán)格貸后管理)等方面提出了一系列有針對(duì)性的對(duì)策和建議。 以上這些對(duì)策和建議將有助于完善長(zhǎng)沙銀行現(xiàn)有的小微企業(yè)信貸業(yè)務(wù)模式,實(shí)現(xiàn)長(zhǎng)沙銀行小微企業(yè)金融業(yè)務(wù)朝著“大規(guī)模、高效益、高質(zhì)量”的方向發(fā)展。圖12幅,表10個(gè),參考文獻(xiàn)63篇
[Abstract]:Abstract: with the development of market economy, microenterprises have become one of the most active economic components in China.Although small and micro enterprises have made outstanding contributions to the economic leap of our country, because of their poor ability to resist risks and lack of transparency of information, it is difficult to finance directly. Therefore, credit loans of commercial banks are still the main external financing channels available to them.Compared with large and medium-sized commercial banks, city commercial banks are more dynamic and more advantageous in the development of small and micro enterprise credit business.Based on the experience and data collected from the author's internship in Changsha Bank, this paper compares the credit business models of small and micro enterprises implemented by commercial banks, and draws lessons from the successful cases of domestic and foreign commercial banks.From the point of view of Changsha Bank, this paper makes a comprehensive analysis and research on the current small and micro enterprise credit business model of Changsha Bank.Through the analysis, it is found that the credit business of small and micro enterprises of Changsha Bank has a good development momentum, but there are still some problems in its mode, such as the lack of credit products of small and micro enterprises, the lack of strict loan approval and the insufficient ability of risk control and control, etc.The formation of these problems is closely related to the dislocation of banks' own functions and the information asymmetry between banks and enterprises.In view of the problems and their causes in the development of credit business of small and micro enterprises in Changsha Bank, this paper, from reforming the financial mechanism and the service technology of credit business of small and micro enterprises in Changsha Bank, perfecting the loan approval process (paying attention to the investigation before loan),This paper puts forward a series of countermeasures and suggestions on strengthening supervision and strict management after loan.The above countermeasures and suggestions will help to perfect the existing credit mode of small and micro enterprises in Changsha Bank, and realize the development of small and micro enterprise financial business of Changsha Bank towards the direction of "large scale, high benefit and high quality".12 figures, 10 tables, 63 references
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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