本文關鍵詞： 小微企業(yè) 商貸通 具體風險 對策和建議　出處：《電子科技大學》2012年碩士論文　論文類型：學位論文

【摘要】：無論是在發(fā)達國家還是發(fā)展中國家，中小企業(yè)對經(jīng)濟的發(fā)展都起到了不可忽視的作用。在我國，中小企業(yè)不僅提供了新的就業(yè)崗位，還為創(chuàng)業(yè)的企業(yè)家創(chuàng)造了重要發(fā)展的平臺，甚至還為科技創(chuàng)新提供強大的力量支撐。在目前的經(jīng)濟形勢下，要想保持經(jīng)濟平穩(wěn)快速的發(fā)展，并加快經(jīng)濟發(fā)展方式的轉變都是和小微企業(yè)的健康發(fā)展息息相關的。但是，在較快的經(jīng)濟增長過程中，由于中小企業(yè)自身發(fā)展的特征及局限性，例如償債能力弱、融資規(guī)模較小、財務規(guī)范性差、公司治理機制不夠完善等問題，使得中小企業(yè)在面臨風險的情況下，應對能力比較弱。因此，大型金融機構一般缺乏相關的金融服務方案，再加上其他方面的原因，小微企業(yè)面臨著融資難、融資貴等問題。所以資金問題就是中小企業(yè)尤其是小微企業(yè)發(fā)展中的瓶頸問題，如果這個問題解決了，中小企業(yè)就能順利地獲得資金并能夠提高資金的使用效率，從個體上來說能提高了中小企業(yè)運作的整體效率，從總體上來說，能夠在全社會范圍內(nèi)進一步優(yōu)化資源配置。 然而，中小企業(yè)要想獲得資金支持，通過發(fā)行股票和債券這個方式是行不通的，只能轉向銀行尋求貸款。民生銀行抓住這個機遇，向這一傳統(tǒng)難題進軍，設計出一套全新的商業(yè)模式來降低成本、控制風險，，這就是“商貸通”模式。本文針對這一模式的形成和發(fā)展，采用文獻研究和案例分析相結合的方法進行了分析研究。以具體真實的案例背景為基礎，實證分析了民生銀行“商貸通”業(yè)務存在的具體風險及其應對措施，并針對這些風險，提出了一些完善風險應對措施和加強防范這些風險的對策和建議。
[Abstract]:Both in developed and developing countries, small and medium-sized enterprises have played an important role in economic development. In China, SMEs not only provide new jobs. It also creates an important development platform for entrepreneurs, and even provides powerful support for scientific and technological innovation. In the current economic situation, we want to maintain stable and rapid economic development. And accelerate the transformation of economic development is closely related to the healthy development of small and micro enterprises. However, in the process of rapid economic growth, due to the characteristics and limitations of the development of small and medium-sized enterprises themselves. Such as weak solvency, small scale of financing, poor financial norms, inadequate corporate governance mechanism and other issues, making SMEs in the face of risk, the ability to deal with relatively weak. Large financial institutions generally lack relevant financial services programmes, and for other reasons, small and micro enterprises face difficulties in financing. So the problem of financing is the bottleneck in the development of small and medium-sized enterprises, especially small and micro enterprises, if this problem is solved. Small and medium-sized enterprises can obtain funds smoothly and improve the efficiency of the use of funds, from the individual can improve the overall efficiency of the operation of small and medium-sized enterprises, in general. Can further optimize the allocation of resources in the whole society. However, if small and medium-sized enterprises want to obtain financial support, it is impossible to issue stocks and bonds, and can only turn to banks to seek loans. Minsheng Bank seize this opportunity to enter into this traditional problem. To design a new business model to reduce costs and control risks, this is the "commercial lending" model. This paper aims at the formation and development of this model. Based on the real case background, the paper empirically analyzes the specific risks and countermeasures of Minsheng Bank's "commercial and loan-to-loan" business. Aiming at these risks, this paper puts forward some countermeasures and suggestions to improve the risk response and strengthen the prevention of these risks.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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