本文關鍵詞： 中小企業(yè)融資 GB銀行 大連分行融資 融資模式　出處：《大連理工大學》2012年碩士論文　論文類型：學位論文

【摘要】：大連地區(qū)中小企業(yè)眾多,企業(yè)發(fā)展迅速,融資需求旺盛,其對銀行的融資效率、產(chǎn)品種類和服務水平要求較高。大連地區(qū)銀行類金融機構(gòu)有60多家,近年成立的城市商業(yè)銀行的金融服務主要定位于中小企業(yè),與GB銀行大連分行形成較強的競爭。GB銀行大連分行目前的中小企業(yè)業(yè)務存在創(chuàng)新不足、業(yè)務規(guī)模小、擔保資源分配不均等問題,如何根據(jù)自身特點做好業(yè)務創(chuàng)新和資源整合,是目前迫切需要進行研究和探索的問題。 本文共分四章。第一章緒論。第二章是GB銀行大連分行中小企業(yè)融資模式及問題分析。第三章是GB銀行大連分行中小企業(yè)融資對策。第四章結(jié)論。 本文重點工作：一是對融資品種創(chuàng)新不足的問題進行了分析,提出創(chuàng)新產(chǎn)業(yè)鏈融資模式來擴大融資半徑；二是對直貸業(yè)務規(guī)模小的問題進行了分析,提出通過同業(yè)合作來擴大業(yè)務規(guī)模；三是對擔保資源分配不均的問題進行了分析,提出建立統(tǒng)一的融資平臺來解決資源整合問題。 本文特色與創(chuàng)新：第一,過構(gòu)建以龍頭企業(yè)為核心的產(chǎn)業(yè)鏈融資模式,達到支持龍頭企業(yè)上下游中小企業(yè)融資,彌補融資產(chǎn)品創(chuàng)新不足的目的。這種模式以企業(yè)信用和實力為基礎,突破了傳統(tǒng)擔保模式和融資結(jié)構(gòu),以龍頭企業(yè)為抓手,能夠擴大分行中小企業(yè)客戶的數(shù)量和范圍,可以復制推廣。第二,通過加強與城市商業(yè)銀行的同業(yè)合作,達到擴大分行“直貸”業(yè)務規(guī)模,降低管理成本的目的。同業(yè)合作模式,能夠有效整合GB銀行的資金優(yōu)勢和城市商業(yè)銀行的人員及網(wǎng)點優(yōu)勢,以批發(fā)的方式實現(xiàn)中小企業(yè)融資,通過專業(yè)分工、有序競爭、優(yōu)勢互補,實現(xiàn)互惠互利、合作共贏。第三,通過政府主導,整合擔保資源,達到分散個體風險,拓寬還款來源的目的。該模式充分體現(xiàn)了“政府主導,市場化運作”的理念,通過風險準備金的設立,增強了風險體系建設,增加了還款來源的渠道。
[Abstract]:Dalian has a large number of small and medium-sized enterprises, rapid development of enterprises, strong demand for financing, its financing efficiency, product types and service level requirements are high. There are more than 60 banking financial institutions in Dalian. The financial service of the city commercial bank established in recent years is mainly located in the small and medium-sized enterprises, and it has a strong competition with the Dalian Branch of GB Bank. There is insufficient innovation in the business of the small and medium-sized enterprises in the Dalian Branch of the Bank of GB at present. Business scale is small, guarantee resource distribution is not equal, how to do business innovation and resource integration according to their own characteristics, is an urgent need to research and explore. This paper is divided into four chapters. The first chapter is introduction. The second chapter is the financing mode and problem analysis of small and medium-sized enterprises in Dalian Branch of GB Bank. The third chapter is the financing countermeasures of small and medium-sized enterprises in Dalian Branch of GB Bank. Chapter 4th is the conclusion. The main work of this paper is as follows: first, it analyzes the shortage of financing variety innovation, and puts forward the innovative financing model of industrial chain to expand the financing radius; The second is to analyze the small scale of direct loan business, and put forward to expand the business scale through the cooperation of the same industry; The third is to analyze the uneven distribution of guarantee resources and to establish a unified financing platform to solve the problem of resource integration. This paper features and innovations: first, build leading enterprises as the core of the industrial chain financing model to support leading enterprises upstream and downstream SMEs financing. This model is based on enterprise credit and strength, breaks through the traditional guarantee mode and financing structure, and takes the leading enterprise as the starting point. Can expand the number and scope of customers of small and medium-sized enterprises, can replicate and popularize. Second, through strengthening the cooperation with the city commercial banks, to expand the branch "direct loan" business scale. The purpose of reducing the cost of management. The interbank cooperation model can effectively integrate the capital advantages of the GB bank and the advantages of the personnel and network of the city commercial banks to achieve the financing of small and medium-sized enterprises in a wholesale manner through the professional division of labor. Orderly competition, complementary advantages, achieve mutual benefit, win-win cooperation. Third, through government-led, the integration of guarantee resources to achieve decentralized individual risk. This model fully embodies the idea of "government leading and market-oriented operation". Through the establishment of risk reserve, it strengthens the construction of risk system and increases the channel of repayment source.
【學位授予單位】：大連理工大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F276.3;F275;F832.3

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