發(fā)布時間：2018-02-27 19:24

  本文關(guān)鍵詞： 中小企業(yè) 目標(biāo)市場 融資貸款策略　出處：《哈爾濱工程大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著市場經(jīng)濟(jì)高速發(fā)展，中小企業(yè)對地方經(jīng)濟(jì)發(fā)展的重要性不言而喻，卻面臨著融資難的困境，長期以來，，黑龍江省的中小企業(yè)發(fā)展始終落后于我國東南部地區(qū)。支持中小企業(yè)發(fā)展的融資貸款增長速度也遠(yuǎn)遠(yuǎn)滯后于地方經(jīng)濟(jì)，G銀行H分行作為開發(fā)性金融機(jī)構(gòu)，一直致力于服務(wù)地方經(jīng)濟(jì)建設(shè)，扶持中小企業(yè)貸款融資，本文的目的是通過制定切實(shí)可行的策略來實(shí)現(xiàn)H分行支持中小企業(yè)發(fā)展的融資貸款的戰(zhàn)略意義。 本篇論文首先在國內(nèi)外相關(guān)文獻(xiàn)研究的基礎(chǔ)上，闡述了開發(fā)性金融與中小企業(yè)發(fā)展的相關(guān)理論與評述，其次，闡述了H分行支持中小企業(yè)發(fā)展的融資貸款現(xiàn)狀，包括：黑龍江省內(nèi)信貸環(huán)境，H分行自身信貸情況，現(xiàn)有中小企業(yè)貸款情況，中小企業(yè)經(jīng)營現(xiàn)狀分析，H分行支持中小企業(yè)發(fā)展的融資貸款存在的問題。在相關(guān)問題總結(jié)的基礎(chǔ)之上，進(jìn)行了存在問題的成因分析。其中包括：對中小企業(yè)融資貸款重視不夠、缺乏創(chuàng)新意識和有效的風(fēng)險控制。再次，通過對黑龍江銀行業(yè)市場分析，內(nèi)外部環(huán)境分析和SWOT分析找到了符合H分行支持中小企業(yè)發(fā)展的融資策略，包括：市場定位，目標(biāo)市場選擇，項(xiàng)目策略、渠道策略和利率策略。最后提出策略實(shí)施的保障措施，包括：強(qiáng)化創(chuàng)新意識，加強(qiáng)人才建設(shè)及激勵機(jī)制建設(shè)，加強(qiáng)員工考核與激勵。 論文研究方法主要是根據(jù)H分行的實(shí)際調(diào)研數(shù)據(jù)進(jìn)行分析，論文創(chuàng)新主要表現(xiàn)在以下三個方面：一是通過大量數(shù)據(jù)闡述支持中小企業(yè)發(fā)展對于H分行的戰(zhàn)略意義，二是確定了H分行支持中小企業(yè)發(fā)展的融資貸款市場定位及目標(biāo)市場的選擇，三是對策略提出保障措施。
[Abstract]:With the rapid development of market economy, the importance of small and medium-sized enterprises to the development of local economy is self-evident, but they are faced with the dilemma of financing. For a long time, The development of small and medium-sized enterprises in Heilongjiang Province has always lagged behind the development of southeastern China. The growth rate of financing loans supporting the development of small and medium-sized enterprises has also lagged far behind that of the local economy, the H branch of G Bank as a development financial institution. The purpose of this paper is to realize the strategic significance of H branch's financing loan to support the development of small and medium-sized enterprises by making practical strategies. On the basis of the domestic and foreign literature, this paper expounds the theories and comments on the development of development finance and the development of small and medium-sized enterprises. Secondly, it expounds the current situation of financing loan in H branch to support the development of small and medium-sized enterprises. Including: the credit environment in Heilongjiang Province, the credit situation of the branch itself, and the existing lending situation of small and medium-sized enterprises, On the basis of the summary of the related problems, this paper analyzes the causes of the problems, including: not paying enough attention to the financing loans for SMEs, Thirdly, through the analysis of Heilongjiang banking market, internal and external environment analysis and SWOT analysis, we find out the financing strategy in line with H Branch to support the development of small and medium-sized enterprises, including: market positioning, Finally, the paper puts forward the guarantee measures for the implementation of the strategy, including: strengthening the consciousness of innovation, strengthening the construction of talents and incentive mechanism, and strengthening the staff assessment and incentive. The research method of the thesis is mainly based on the actual investigation data of H branch. The innovation of this paper is mainly reflected in the following three aspects: first, the strategic significance of supporting the development of small and medium-sized enterprises for H branch is expounded through a large amount of data. The second is to determine the position of financing loan market and the choice of target market for H branch to support the development of small and medium-sized enterprises, and the third is to put forward the safeguard measures to the strategy.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 羅學(xué)東;國家開發(fā)銀行改革與發(fā)展的方案設(shè)想[J];銀行家;2005年07期

2 陳元;;由金融危機(jī)引發(fā)的對金融資源配置方式的思考[J];財貿(mào)經(jīng)濟(jì);2009年11期

3 白欽先;王偉;;科學(xué)認(rèn)識政策性金融制度[J];財貿(mào)經(jīng)濟(jì);2010年08期

4 徐青;;我國商業(yè)銀行中小企業(yè)信貸風(fēng)險管控研究[J];重慶科技學(xué)院學(xué)報(社會科學(xué)版);2010年11期

5 慈向陽;;中小企業(yè)融資的制度困境——以國有中小企業(yè)銀行的視角[J];當(dāng)代經(jīng)濟(jì);2010年03期

6 陳紅梅;趙江;;中小企業(yè)銀行融資體系框架的理論分析及設(shè)計思路[J];當(dāng)代經(jīng)濟(jì);2010年11期

7 張真理;;商業(yè)銀行中小企業(yè)業(yè)務(wù)經(jīng)營策略探析[J];當(dāng)代經(jīng)濟(jì);2011年10期

8 郭冠楠;戴學(xué)珍;;關(guān)于我國中小企業(yè)銀行貸款可獲得性分析研究[J];東岳論叢;2011年03期

9 續(xù)韞之;;商業(yè)銀行中小企業(yè)貸款創(chuàng)新淺析[J];經(jīng)營管理者;2010年01期

10 霍衛(wèi)紅;;大型商業(yè)銀行的中小企業(yè)融資難成因探析[J];經(jīng)營管理者;2010年08期

本文編號：1543997