本文關(guān)鍵詞： 中小企業(yè) 融資 中國銀行泰安分行 授信業(yè)務(wù)　出處：《山東大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來,中小企業(yè)突飛猛進的發(fā)展,截至2011年底我國工商注冊登記的中小企業(yè)已占全部注冊企業(yè)總數(shù)的99%以上,這些中小企業(yè)創(chuàng)造了我國GDP的55.6%、工業(yè)新增產(chǎn)值的74.7%、社會銷售額的58.9%、60%的出口額以及稅收的46.2%,為我國提供了75%以上的就業(yè)崗位。這些數(shù)據(jù)充分的體現(xiàn)了中小企業(yè)對我國經(jīng)濟發(fā)展的作用,然而,中小企業(yè)所獲得金融支持卻與其對國民經(jīng)濟的巨大貢獻十分的不相稱。中小企業(yè)因為自身的一些稟性與我國當(dāng)前的金融政策的支持力度不夠以及金融機構(gòu)的倒向而出現(xiàn)了融資難的問題,尤其是商業(yè)銀行對中小企業(yè)的授信業(yè)務(wù)有待完善。 本文首先對中小企業(yè)的定義與特點進行了概述；然后通過具體的數(shù)據(jù)分析了全國金融機構(gòu)與中國銀行泰安分行對中小企業(yè)的授信業(yè)務(wù)開展狀況、存在問題,進而總結(jié)出阻礙商業(yè)銀行對中小企業(yè)開展授信業(yè)務(wù)的原因：一方面是由于中小企業(yè)自身的資產(chǎn)有限造成的擔(dān)保能力不足以及管理不規(guī)范、制度不健全造成的企業(yè)信譽偏低,使大多數(shù)的中小企業(yè)達不到銀行的授信要求；另一方面,商業(yè)銀行由于授權(quán)管理的制約、經(jīng)營方式的僵化、“重大輕小”的發(fā)展戰(zhàn)略以及貸后管理不完善對中小企業(yè)開展授信業(yè)務(wù)也是困難重重。最后對中國銀行泰安分行如何更好更快的開展對中小企業(yè)的授信業(yè)務(wù)進行了對策分析,主要從信貸資源的重點傾斜、加強產(chǎn)品和服務(wù)創(chuàng)新、優(yōu)化操作流程、加強中小企業(yè)信貸風(fēng)險防范措施以及加強信貸隊伍建設(shè)這幾個方面入手,進一步拓展中國銀行泰安分行對中小企業(yè)的授信業(yè)務(wù)。發(fā)展對中小企業(yè)的授信業(yè)務(wù)不僅對于中小企業(yè)的發(fā)展有重大意義,而且對于商業(yè)銀行業(yè)務(wù)的拓展也有重要意義,也是發(fā)展國民經(jīng)濟的需要。
[Abstract]:In recent years, small and medium-sized enterprises have developed by leaps and bounds. As of end of 2011, the number of small and medium-sized enterprises registered for industry and commerce in China has accounted for more than 99% of the total number of registered enterprises. These small and medium-sized enterprises have created 55.6% of our GDP, 74.7% of the new industrial output value, 58.9% of social sales and 46.2% of tax revenue, which provide more than 75% jobs for our country. These data fully reflect the small and medium-sized enterprises to China. The role of national economic development, However, The financial support received by small and medium-sized enterprises is not commensurate with their great contribution to the national economy. Because of their own nature, SMEs are not strong enough to support our current financial policies and the financial institutions are turning backwards. And there is the problem of financing difficulties. In particular, commercial banks to SMEs credit business needs to be improved. In this paper, the definition and characteristics of small and medium-sized enterprises are summarized, and then through the specific data analysis of the national financial institutions and Bank of China Taian Branch of the status of SME credit business, there are problems, And then summarizes the reasons that hinder commercial banks to carry out credit business to SMEs: on the one hand, the lack of guarantee capacity caused by the limited assets of small and medium-sized enterprises and the non-standard management, the enterprise reputation caused by imperfect system is low. The majority of small and medium-sized enterprises fail to meet the credit requirements of banks. On the other hand, commercial banks are restricted by authorized management. The inflexibility of management mode, the development strategy of "important light and small" and the imperfect management after loan are also very difficult for SMEs to carry out credit business. Finally, it is difficult for the bank of china Taian branch to develop more quickly and better for small and medium-sized enterprises. Has carried on the countermeasure analysis to the credit business, Mainly from the credit resources, strengthening the innovation of products and services, optimizing the operation process, strengthening the credit risk prevention measures of small and medium-sized enterprises, and strengthening the construction of the credit force. Further expanding the credit business of the Bank of China Tai'an Branch to small and medium-sized enterprises. The development of credit business for small and medium-sized enterprises is of great significance not only to the development of small and medium-sized enterprises, but also to the expansion of commercial bank business. It is also the need to develop the national economy.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F276.3

【參考文獻】

相關(guān)期刊論文 前6條

1 黃莉娜;;金融產(chǎn)品創(chuàng)新與中小企業(yè)融資解困[J];長春工業(yè)大學(xué)學(xué)報(社會科學(xué)版);2011年04期

2 王先蒙;周發(fā)明;楊亦民;;產(chǎn)業(yè)集群對中小企業(yè)融資行為影響分析[J];財會通訊;2011年26期

3 王叢;;商業(yè)銀行中小企業(yè)授信業(yè)務(wù)現(xiàn)狀及對策[J];經(jīng)營管理者;2010年03期

4 傅子能;;商業(yè)銀行防范中小企業(yè)信貸風(fēng)險研究[J];經(jīng)濟師;2009年03期

5 趙曉梅;吳增;杜智;;淺析中小企業(yè)信貸風(fēng)險與防范[J];華北金融;2008年11期

6 陳玉寶;如何加強信貸隊伍建設(shè)[J];新疆金融;2001年06期

，

本文編號：1505509