本文選題：商業(yè)銀行 + 小微金融　； 參考：《山東大學(xué)》2013年碩士論文

【摘要】：從性質(zhì)上看,小微企業(yè)是工商企業(yè)的一種,具備獨(dú)立的企業(yè)法人資格,承擔(dān)納稅義務(wù),是我國(guó)市場(chǎng)經(jīng)濟(jì)發(fā)展過程中新生的不可忽視的新興力量。小微金融服務(wù),具體地說就是一種專門針對(duì)“小微企業(yè)”用戶研發(fā)的,針對(duì)小微企業(yè)的融資需要開展的金融服務(wù)產(chǎn)品。商業(yè)銀行開展小微金融服務(wù)不僅有助于小微企業(yè)自身的發(fā)展,更有利于盤活商業(yè)銀行的資金,提高商業(yè)銀行資金的流轉(zhuǎn)速度,提升商業(yè)銀行的資本管理水平和綜合投資盈利能力,促進(jìn)商業(yè)銀行的發(fā)展。從全局的角度來看,商業(yè)銀行開展小微金融服務(wù)還能進(jìn)一步健全我國(guó)的經(jīng)濟(jì)結(jié)構(gòu),促進(jìn)我國(guó)整體經(jīng)濟(jì)的健康發(fā)展,因此,推行商業(yè)銀行小微金融服務(wù)機(jī)制改進(jìn)是十分必要的。 本文從我國(guó)小微企業(yè)的發(fā)展現(xiàn)狀入手,深入分析了在我國(guó)小微企業(yè)的發(fā)展形勢(shì)和突出問題,然后再借鑒國(guó)外商業(yè)銀行開展小微金融服務(wù)的經(jīng)驗(yàn),對(duì)我國(guó)商業(yè)銀行小微金融服務(wù)機(jī)制中存在的問題進(jìn)行了深入分析,同時(shí),也對(duì)商業(yè)銀行如何開展小微金融服務(wù)提出了自己的建議。 本研究共分為五個(gè)部分。第一部分是第一章和第二章,研究的緒論部分,是對(duì)本研究的研究背景、研究意義、研究方法、當(dāng)前研究現(xiàn)狀、文獻(xiàn)綜述等的闡述。第二部分是第三章,是對(duì)我國(guó)小微企業(yè)發(fā)展現(xiàn)狀的闡述和小微企業(yè)融資難問題的梳理。第三部分是文章的第四章,是對(duì)小微企業(yè)融資難問題的原因分析,主要從政府層面、行業(yè)層面和商業(yè)銀行層面等三個(gè)層面出發(fā),分別分析了來自不同層面的導(dǎo)致小微企業(yè)陷入融資難困境的原因。第四部分是文章的第五章,主要是對(duì)國(guó)內(nèi)外商業(yè)銀行小微金融服務(wù)開展現(xiàn)狀的調(diào)查了解和經(jīng)驗(yàn)分析。第五部分是文章的第六章,是對(duì)商業(yè)銀行小微金融服務(wù)機(jī)制改進(jìn)的措施建議,主要是在結(jié)合國(guó)外經(jīng)驗(yàn)研究的基礎(chǔ)上,從政府層面、行業(yè)層面和商業(yè)銀行層面出發(fā),對(duì)商業(yè)銀行小微金融服務(wù)機(jī)制的完善提出了建議。
[Abstract]:In nature, small and micro enterprises are a kind of industrial and commercial enterprises, with independent corporate status, to assume tax obligations, is a new emerging force that can not be ignored in the process of the development of market economy in our country. Microfinancial services, specifically, a financial service product developed specifically for "small and micro enterprises" users and targeted at the financing needs of small and micro enterprises. The development of small and micro financial services by commercial banks is not only conducive to the development of small and micro enterprises themselves, but also conducive to activating the funds of commercial banks and increasing the speed of circulation of funds of commercial banks. To promote the development of commercial banks by improving their capital management and comprehensive investment profitability. From the point of view of the overall situation, commercial banks can further improve the economic structure of our country and promote the healthy development of the whole economy. Therefore, it is necessary to carry out the improvement of the mechanism of small and micro financial services of commercial banks. Starting with the current situation of the development of small and micro enterprises in China, this paper analyzes the development situation and outstanding problems of small and micro enterprises in China, and then draws lessons from the experience of foreign commercial banks in carrying out small and micro financial services. This paper makes a deep analysis of the problems existing in the small and micro financial service mechanism of commercial banks in China, and at the same time, puts forward some suggestions on how to carry out the small and micro financial services in commercial banks. This study is divided into five parts. The first part is the first chapter and the second chapter, the introduction part, is the research background, the research significance, the research method, the present research present situation, the literature summary and so on. The second part is the third chapter. The third part is the fourth chapter of the article, which analyzes the causes of the financing difficulties of small and micro enterprises, mainly from the government level, the industry level and the commercial bank level. This paper analyzes the reasons why small and micro enterprises fall into financing difficulties from different levels. The fourth part is the fifth chapter of the article, mainly to the domestic and foreign commercial banks small and micro financial service development situation investigation understanding and the experience analysis. The fifth part is the sixth chapter of the article, which is the measures to improve the micro-financial service mechanism of commercial banks, mainly based on the study of foreign experience, from the government level, the industry level and the commercial bank level, starting from the government level, the industry level and the commercial bank level, from the government level, the industry level and the commercial bank level. This paper puts forward some suggestions on the perfection of the small and micro financial service mechanism of commercial banks.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 何光輝,楊咸月;中國(guó)小企業(yè)融資擔(dān)保發(fā)展的理論研究[J];財(cái)經(jīng)研究;2000年08期

2 黃慧;;微貸市場(chǎng)給力草根經(jīng)濟(jì)[J];產(chǎn)權(quán)導(dǎo)刊;2011年03期

3 姚樹蓮;;我國(guó)小微企業(yè)困境成因和對(duì)策探討[J];產(chǎn)業(yè)與科技論壇;2011年14期

4 龔哲宣;;小微企業(yè)信貸難題的突圍之路——工行浙江省臺(tái)州分行行長(zhǎng)王國(guó)才暢談小微企業(yè)信貸業(yè)管理新模式[J];中國(guó)金融家;2010年09期

5 宋琳;;從商業(yè)銀行角度淺析我國(guó)中小企業(yè)融資難問題[J];價(jià)值工程;2011年08期

6 姚長(zhǎng)存;;銀行信貸視角破解小微企業(yè)融資難題研究[J];農(nóng)村金融研究;2012年04期

7 王華清;王嘉韻;;制約小企業(yè)融資的瓶頸及對(duì)策[J];內(nèi)江師范學(xué)院學(xué)報(bào);2009年06期

8 王兵;;論中小商業(yè)銀行小微信貸業(yè)務(wù)發(fā)展與風(fēng)險(xiǎn)防范[J];農(nóng)村金融研究;2012年04期

9 胡瑞光;;美國(guó)促進(jìn)小微型企業(yè)發(fā)展的融資經(jīng)驗(yàn)及啟示[J];華北金融;2011年11期

10 吳愛萍;;小型微利企業(yè)所得稅優(yōu)惠制度存在的問題及對(duì)策[J];山西財(cái)稅;2010年08期

，

本文編號(hào)：1940912