本文關(guān)鍵詞： 中小企業(yè) 目標(biāo)市場(chǎng) 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(lèi)型：學(xué)位論文

【摘要】：隨著市場(chǎng)經(jīng)濟(jì)高速發(fā)展，中小企業(yè)對(duì)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(zhǎng)期以來(lái)，，黑龍江省的中小企業(yè)發(fā)展始終落后于我國(guó)東南部地區(qū)。支持中小企業(yè)發(fā)展的融資貸款增長(zhǎng)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(kāi)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(guò)制定切實(shí)可行的策略來(lái)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(guó)內(nèi)外相關(guān)文獻(xiàn)研究的基礎(chǔ)上，闡述了開(kāi)發(fā)性金融與中小企業(yè)發(fā)展的相關(guān)理論與評(píng)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(yíng)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(wèn)題。在相關(guān)問(wèn)題總結(jié)的基礎(chǔ)之上，進(jìn)行了存在問(wèn)題的成因分析。其中包括：對(duì)中小企業(yè)融資貸款重視不夠、缺乏創(chuàng)新意識(shí)和有效的風(fēng)險(xiǎn)控制。再次，通過(guò)對(duì)黑龍江銀行業(yè)市場(chǎng)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(chǎng)定位，目標(biāo)市場(chǎng)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(shí)，加強(qiáng)人才建設(shè)及激勵(lì)機(jī)制建設(shè)，加強(qiáng)員工考核與激勵(lì)。 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(gè)方面：一是通過(guò)大量數(shù)據(jù)闡述支持中小企業(yè)發(fā)展對(duì)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(chǎng)定位及目標(biāo)市場(chǎng)的選擇，三是對(duì)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(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.4

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