發(fā)布時(shí)間：2018-05-16 04:24

  本文選題：中小企業(yè)融資 + 供應(yīng)鏈金融業(yè)務(wù)　； 參考：《大連海事大學(xué)》2012年碩士論文

【摘要】：中國(guó)銀行作為我國(guó)四大國(guó)有商業(yè)銀行之一,為促進(jìn)我國(guó)經(jīng)濟(jì)發(fā)展、維護(hù)金融穩(wěn)定和企業(yè)可持續(xù)發(fā)展做出了巨大的貢獻(xiàn)。目前我國(guó)所處的經(jīng)濟(jì)形勢(shì)依然十分嚴(yán)峻,2011年國(guó)家經(jīng)濟(jì)環(huán)境呈現(xiàn)出了一定的滯漲的特點(diǎn),即經(jīng)濟(jì)發(fā)展緩慢與通貨膨脹同時(shí)存在,中國(guó)人民銀行為了緩解通貨膨脹壓力與2011年先后6次上調(diào)存款準(zhǔn)備金率、3次上調(diào)存貸款基準(zhǔn)利率,銀根的縮緊大大提高了企業(yè)的融資成本,而對(duì)于那些規(guī)模較小、利潤(rùn)率較低的中小企業(yè)來(lái)說(shuō),融資更是難下加難。銀行作為為經(jīng)濟(jì)提供資金支持的核心部分,如何依靠國(guó)家政策為中小企業(yè)提供信貸方面的支持成為了新時(shí)期下我國(guó)銀行業(yè)面臨的新問(wèn)題、新挑戰(zhàn),中國(guó)銀行作為四大國(guó)有商業(yè)銀行之一更是要認(rèn)清當(dāng)前的發(fā)展形勢(shì)、確定發(fā)展方向,結(jié)合自身的實(shí)際情況做出最優(yōu)的發(fā)展策略,為今后的發(fā)展做好準(zhǔn)備。 本文運(yùn)用理論分析和實(shí)例研究、比較研究、歸納與演繹相結(jié)合的方法,從中小企業(yè)的內(nèi)外部環(huán)境以及中國(guó)銀行自身情況兩個(gè)方面進(jìn)行系統(tǒng)性的分析。分別運(yùn)用邁克爾波特五種力量模型與SWOT模型等相關(guān)理論具體地分析中小企業(yè)所處的外部環(huán)境以及中國(guó)銀行在新形勢(shì)下的優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)與威脅,明確提出中小企業(yè)融資難是企業(yè)自身發(fā)展與社會(huì)總體利益矛盾的集中化體現(xiàn)。本文通過(guò)對(duì)中國(guó)銀行自身情況的分析,找出其發(fā)展過(guò)程中的優(yōu)勢(shì)與劣勢(shì),結(jié)合其所處的自身環(huán)境以及新形勢(shì)下國(guó)家發(fā)展要求,提出一套適合其今后發(fā)展的方案。本文的研究目的,就是從供應(yīng)鏈融資業(yè)務(wù)的特點(diǎn)出發(fā),結(jié)合中小企業(yè)在中國(guó)發(fā)展的內(nèi)外部環(huán)境分析,試圖找到該業(yè)務(wù)發(fā)展在中小企業(yè)發(fā)展中的戰(zhàn)略思路、解決方案。
[Abstract]:As one of the four largest state-owned commercial banks in China, Bank of China has made great contributions to promoting economic development, maintaining financial stability and sustainable development of enterprises. At present, the economic situation in our country is still very serious. In 2011, the national economic environment has shown certain characteristics of stagflation, that is, the slow economic development and the existence of inflation at the same time. The people's Bank of China raised deposit and loan benchmark interest rates six times in 2011 and three times in 2011 in order to ease inflationary pressure. The tightening of money has greatly increased the financing costs of enterprises, while for those on a smaller scale, Small and medium-sized enterprises with low profit margins, financing is more difficult to add. As the core part of providing financial support to the economy, how to rely on national policies to provide credit support for small and medium-sized enterprises has become a new problem and a new challenge for China's banking industry in the new period. As one of the four state-owned commercial banks, the Bank of China should recognize the current development situation, determine the direction of development, and make the best development strategy according to its own actual situation, so as to prepare for the future development. This paper makes a systematic analysis of the internal and external environment of small and medium-sized enterprises and the situation of Bank of China from two aspects: theoretical analysis and case study, comparative study, induction and deduction. Using Michael Porter's five Force models and SWOT models, respectively, the paper analyzes the external environment of SMEs and the strengths, weaknesses, opportunities and threats of Bank of China in the new situation. It is clearly pointed out that the difficulty of financing SMEs is the centralized embodiment of the contradiction between the enterprise's own development and the overall interests of the society. By analyzing the situation of Bank of China, this paper finds out the advantages and disadvantages in the course of its development, and puts forward a set of plans suitable for the future development of the Bank of China in the light of its own environment and the requirements of national development under the new situation. The purpose of this paper is to analyze the internal and external environment of the development of small and medium-sized enterprises in China from the characteristics of the supply chain financing business, and try to find the strategic thinking and solution of the business development in the development of small and medium-sized enterprises.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 王明;商業(yè)銀行解決中小企業(yè)融資問(wèn)題研究[D];河南大學(xué);2013年

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本文編號(hào)：1895441