本文選題：建設(shè)銀行　切入點(diǎn)：中小企業(yè)　出處：《南昌大學(xué)》2012年碩士論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)的不斷發(fā)展,中小企業(yè)也扮演著越來(lái)越重要的角色,對(duì)擴(kuò)大城鎮(zhèn)人口就業(yè)、不斷增進(jìn)市場(chǎng)繁榮、推動(dòng)我國(guó)經(jīng)濟(jì)增長(zhǎng)發(fā)揮著不可忽視的作用。然而中小企業(yè)融資難問(wèn)題卻日益凸顯,成為中小企業(yè)發(fā)展的瓶頸。商業(yè)銀行積極響應(yīng)國(guó)家號(hào)召,幫助中小企業(yè)解決融資難的問(wèn)題。中國(guó)人民建設(shè)銀行作為具有國(guó)際商業(yè)水準(zhǔn)的大銀行,更應(yīng)發(fā)揮自身優(yōu)勢(shì),以不斷提升競(jìng)爭(zhēng)力、拓展銀行利潤(rùn)來(lái)源渠道為目標(biāo),助力我國(guó)中小企業(yè)的快速發(fā)展!本文選取中國(guó)建設(shè)銀行南昌分行A支行為研究對(duì)象,在初步了解A支行所在區(qū)域的中小企業(yè)融資現(xiàn)狀的基礎(chǔ)上,結(jié)合國(guó)內(nèi)外關(guān)于中小企業(yè)融資的相關(guān)理論知識(shí),分析中小企業(yè)融資所存在的問(wèn)題及原因,并根據(jù)上述原因?qū)ㄐ心喜鼳支行提出了相應(yīng)的對(duì)策。 本文共分為四部分,第一部分主要闡述了相關(guān)理論：“麥克米倫缺口”理論,信貸配給理論,中小企業(yè)融資生命周期理論和關(guān)系型融資理論,并簡(jiǎn)要敘述了中小企業(yè)的相關(guān)概念；第二部分闡述了建行南昌A支行中小企業(yè)融資服務(wù)的現(xiàn)狀以及存在的一系列問(wèn)題,具體包括銀行的準(zhǔn)入門(mén)檻高,中小企業(yè)抵押擔(dān)保困難,貸款資金可用時(shí)間短,貸款手續(xù)復(fù)雜、審批期限過(guò)長(zhǎng),金融創(chuàng)新產(chǎn)品實(shí)施難度大。第三部分對(duì)建行南昌A支行所在區(qū)中小企業(yè)融資的需求進(jìn)行調(diào)查,并針對(duì)中小企業(yè)貸款存在的問(wèn)題進(jìn)行分析,從企業(yè)自身、銀行貸款制度的約束、國(guó)家擔(dān)保體系的不健全、國(guó)家貸款政策等方面分析原因,第四部分提出相應(yīng)的對(duì)策,從建行南昌A支行角度提出了以戰(zhàn)略性眼光發(fā)展中小企業(yè)業(yè)務(wù)、樹(shù)立為中小企業(yè)服務(wù)的觀念、不斷創(chuàng)新業(yè)務(wù)流程、減少中小企業(yè)融資成本、注重風(fēng)險(xiǎn)資產(chǎn)的管理、加強(qiáng)中小企業(yè)風(fēng)險(xiǎn)評(píng)估體系創(chuàng)新、建立和完善中小企業(yè)風(fēng)險(xiǎn)定價(jià)機(jī)制、打造一支德才兼?zhèn)涞膬?yōu)秀團(tuán)隊(duì)、重視人力資源培訓(xùn)等一系列對(duì)策。
[Abstract]:With the continuous development of our economy, small and medium-sized enterprises also play a more and more important role in expanding the employment of the urban population, increasing the prosperity of the market, and promoting the economic growth of our country.However, the financing problem of small and medium-sized enterprises has become increasingly prominent, becoming the bottleneck of the development of small and medium-sized enterprises.Commercial banks actively respond to the call of the state to help small and medium-sized enterprises solve the problem of financing difficulties.As a big bank with international commercial standard, the people's Construction Bank of China should give full play to its own advantages, with the aim of constantly improving its competitiveness and expanding the sources of bank profits, so as to help the rapid development of small and medium-sized enterprises in our country.This paper selects the research object of A branch behavior of Nanchang Branch of China Construction Bank, on the basis of preliminary understanding of the financing status of small and medium-sized enterprises in the region where branch A branch is located, and combines the relevant theoretical knowledge about SME financing at home and abroad.This paper analyzes the problems and causes of the financing of small and medium-sized enterprises, and puts forward the corresponding countermeasures to the Nanchang A Branch of CCB according to the above reasons.This paper is divided into four parts. The first part mainly describes the related theories: "Macmillan gap" theory, credit rationing theory, SME financing life cycle theory and relational financing theory.The second part expounds the current situation and a series of problems of the financing service of Nanchang A Branch of CCB, including the high entry threshold of the bank and the difficulty of mortgage guarantee for the small and medium-sized enterprises.The loan fund is short, the loan procedure is complicated, the examination and approval period is too long, and the financial innovation product is difficult to implement.The third part investigates the financing needs of the small and medium-sized enterprises in Nanchang A branch of CCB, and analyzes the problems existing in the loans of the small and medium-sized enterprises. From the view of the enterprises themselves, the constraints of the bank loan system and the imperfection of the national guarantee system,The fourth part puts forward the corresponding countermeasures. From the angle of Nanchang A Branch of CCB, it puts forward the idea of developing small and medium-sized enterprises' business from a strategic perspective, sets up the concept of serving small and medium-sized enterprises, and continuously innovates the business process.To reduce the financing cost of small and medium-sized enterprises, to pay attention to the management of risk assets, to strengthen the innovation of risk assessment system of small and medium-sized enterprises, to establish and perfect the risk pricing mechanism of small and medium-sized enterprises, and to create an excellent team with both integrity and ability.Attach importance to human resources training and a series of countermeasures.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F276.3;F832.4

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 王燁;營(yíng)口銀行中小企業(yè)融資服務(wù)體系改進(jìn)與完善[D];遼寧大學(xué);2013年

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本文編號(hào)：1712281