本文選題：小微企業(yè) + 融資　； 參考：《遼寧大學》2012年碩士論文

【摘要】：改革開放以來,赤峰地區(qū)的小微企業(yè)的發(fā)展非常迅速,規(guī)模也越來越大,已經(jīng)成為促進赤峰地區(qū)國民經(jīng)濟增長的一股重要的力量。同時,小微企業(yè)對資金和其它金融服務(wù)的需求也逐漸增加。然而,相對于大型企業(yè)而言,小微企業(yè)缺乏系統(tǒng)的報表和抵押物,導(dǎo)致赤峰地區(qū)其它一些金融機構(gòu)對小微企業(yè)的融資風險考慮再三,望而止步。 本論文結(jié)合工作中的實踐,根據(jù)融資理論、信貸技術(shù)、融資成本以及包商銀行赤峰分行小微企業(yè)融資業(yè)務(wù)的現(xiàn)狀和特點進行分析,并結(jié)合赤峰地區(qū)小微企業(yè)的實際情況,找出包商銀行赤峰分行在小微企業(yè)融資業(yè)務(wù)的開展中存在的問題,并探尋進一步的服務(wù)策略,例如：貼近市場需求,不斷創(chuàng)新金融產(chǎn)品、服務(wù)手段、擔保方式和管理機制,進一步拓寬小微企業(yè)融資渠道,解決赤峰地區(qū)小微企業(yè)“急”“頻”“難”等問題,從而更好地服務(wù)地方經(jīng)濟。能夠使包商銀行赤峰分行在小微企業(yè)融資業(yè)務(wù)服務(wù)領(lǐng)域中取得更大的突破,讓小微企業(yè)在活躍市場、拉動內(nèi)需、創(chuàng)造就業(yè)、保持社會穩(wěn)定等方面的巨大作用得以充分發(fā)揮。 本文不僅僅停留在理論探討階段,而是結(jié)合了包商銀行赤峰分行的實際、小微企業(yè)融資發(fā)展需要和同業(yè)實踐經(jīng)驗,提出有關(guān)問題并進行了具體的分析,探索出了具有較強操作性的融資服務(wù)策略。
[Abstract]:Since the reform and opening up, the development of small and micro enterprises in Chifeng area is very rapid, and the scale is becoming larger and larger, which has become an important force to promote the growth of national economy in Chifeng region. At the same time, the demand for capital and other financial services by small and micro-enterprises has gradually increased. However, compared with large enterprises, small and micro enterprises lack systematic statements and collateral, which leads other financial institutions in Chifeng area to think twice about the financing risk of small and micro enterprises and hope to stop. According to the financing theory, credit technology, financing cost, and the current situation and characteristics of the financing business of Chifeng branch of the contractor bank, this paper analyzes the actual situation of the small and micro enterprises in Chifeng area. To find out the problems of Chifeng Branch of contractor Bank in the development of financing business of small and micro enterprises, and to explore further service strategies, such as: close to market demand, innovation of financial products, means of service, guarantee method and management mechanism, To further broaden the financing channels of small and micro enterprises, to solve the Chifeng area small and micro enterprises "urgent" frequency "difficult" and other problems, so as to better serve the local economy. It can make the contractor bank Chifeng branch make a greater breakthrough in the field of financing services of small and micro enterprises, and make small and micro enterprises play a great role in activating the market, stimulating domestic demand, creating employment, maintaining social stability and so on. This paper not only stays in the stage of theoretical discussion, but also combines the reality of Chifeng Branch of the contractor Bank, the financing development needs of small and micro enterprises and the practical experience of the same industry, and puts forward the relevant problems and makes a concrete analysis. To explore a strong operational financing service strategy.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

【參考文獻】

相關(guān)期刊論文 前10條

1 韓博印;;中小企業(yè)融資的制度經(jīng)濟學分析[J];商業(yè)研究;2006年02期

2 何自力;;銀行中小企業(yè)貸款的效益與風險分析[J];金融論壇;2006年01期

3 黃志豪;;信息不對稱條件下的中小企業(yè)貸款難問題探討[J];南方金融;2006年09期

4 陳志蓮;張淑煥;;中小企業(yè)信用擔保風險的模糊綜合控制研究[J];改革與戰(zhàn)略;2007年02期

5 鄺才忠;;我國微小企業(yè)融資渠道探析[J];中國管理信息化;2008年16期

6 劉晗潔;;我國中小企業(yè)間接融資難的對策探析[J];消費導(dǎo)刊;2010年04期

7 許飛;;我國中小企業(yè)融資問題探析[J];黑龍江對外經(jīng)貿(mào);2009年11期

8 賀允;;延安市中小企業(yè)融資困難原因探究[J];經(jīng)濟師;2011年02期

9 章群;;制約中小企業(yè)貸款的因素及對策[J];金融經(jīng)濟;2006年06期

10 王朝弟;;小企業(yè)信貸配給的階段性約束及其體制內(nèi)優(yōu)化[J];金融研究;2006年12期

，

本文編號：1918909