本文選題：城市商業(yè)銀行　切入點(diǎn)：微小企業(yè)　出處：《內(nèi)蒙古大學(xué)》2012年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：微小企業(yè)是我國(guó)國(guó)民經(jīng)濟(jì)的重要組成部分,其數(shù)量多,分布廣,在活躍經(jīng)濟(jì)、方便生活、增加就業(yè)等方面發(fā)揮了極大的作用,對(duì)國(guó)民經(jīng)濟(jì)的貢獻(xiàn)率也在逐年上升,其發(fā)展關(guān)系社會(huì)的穩(wěn)定以及就業(yè)問(wèn)題的解決,因此在整個(gè)社會(huì)的經(jīng)濟(jì)活動(dòng)中,微小企業(yè)扮演著相當(dāng)重要的角色。但由于信息不對(duì)稱,微小企業(yè)貸款是目前金融業(yè)的一大難題。有些微小企業(yè)和個(gè)體工商戶市場(chǎng)前景非常好,有發(fā)展的潛力,需要資金支持,但銀行通過(guò)工商注冊(cè)、信用信息記錄、打分卡模型、項(xiàng)目審批等常規(guī)信息途徑很難了解企業(yè)的真實(shí)狀況。由于銀行無(wú)法了解企業(yè)情況就不敢發(fā)放貸款。 同時(shí),有些銀行愿意為微小企業(yè)和個(gè)體工商戶提供貸款,但由于微小企業(yè)缺乏銀行融資的經(jīng)歷,不知道從哪家銀行可以獲得融資服務(wù),信息的不對(duì)稱直接導(dǎo)致貸款難和放款難的兩難境地。因此銀行如何通過(guò)一定的技術(shù)模式解決信息不對(duì)稱的問(wèn)題將是困擾其服務(wù)小微企業(yè)的一大難題,也是本論文研究的核心內(nèi)容。 本文在研究國(guó)內(nèi)外微小企業(yè)貸款技術(shù)模式的基礎(chǔ)上,通過(guò)分析、比較國(guó)內(nèi)銀行服務(wù)微小企業(yè)貸款技術(shù)模式和包商銀行可持續(xù)發(fā)展的微小企業(yè)貸款技術(shù),為城市商業(yè)銀行服務(wù)微小企業(yè)客戶提供新思路、探索出有效的服務(wù)模式以提高銀行服務(wù)微小企業(yè)貸款業(yè)務(wù)的效率和微小企業(yè)的貸款滿足率,促進(jìn)微小企業(yè)和銀行業(yè)的發(fā)展,進(jìn)而促進(jìn)我國(guó)經(jīng)濟(jì)的可持續(xù)發(fā)展。
[Abstract]:Small and micro enterprises are an important part of our national economy. They are numerous and widely distributed. They have played a great role in activating the economy, making life easier and increasing employment, and the contribution rate to the national economy has also been rising year by year. Its development is related to the stability of the society and the solution of the employment problem, so microenterprises play a very important role in the economic activities of the whole society. Micro-enterprise loans are a major problem in the financial industry at present. Some small and medium-sized enterprises and individual industrial and commercial households have very good market prospects, have the potential to develop, and need capital support. However, banks use business registration, credit information records, and scorecard models. Conventional information such as project approval is difficult to understand the true state of the enterprise. Banks are afraid to lend because they cannot understand the situation. At the same time, some banks are willing to lend to small businesses and individual businesses, but because they lack the experience of bank financing, they do not know from which bank to obtain financing services. The asymmetry of information directly leads to the dilemma between loan and loan. Therefore, how to solve the problem of information asymmetry through a certain technical model will be a big problem for banks to serve small and micro enterprises. It is also the core of this thesis. Based on the research of domestic and foreign microenterprise loan technology model, this paper compares the domestic bank service microenterprise loan technology model with the contractor bank sustainable development microenterprise loan technology through the analysis, the domestic bank service microenterprise loan technology model and the contractor bank sustainable development microenterprise loan technology. It provides a new way for the city commercial banks to serve the micro-enterprise customers, and explores an effective service mode to improve the efficiency of the bank services to the micro-enterprise loan business and the loan satisfaction rate of the micro-enterprise, so as to promote the development of the micro-enterprise and the banking industry. Then promote the sustainable development of our economy.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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