本文選題：經濟環(huán)境 + 中小企業(yè)　； 參考：《山東大學》2012年碩士論文

【摘要】：當前國內外經濟形勢下,國際金融危機深層次影響仍在顯現(xiàn)。國內經濟下行壓力加大,融資難問題已成為眾多企業(yè)發(fā)展瓶頸,特別是中小企業(yè),情況更為嚴峻。實際上傳統(tǒng)銀行并非不重視中小企業(yè)客戶,只是傳統(tǒng)的信貸審批標準和信用體系標準不能廣泛適用于中小企業(yè),使得其在銀行的貸款門檻依然較高。網絡銀行信貸作為一種新型的融資渠道,開始步入中小企業(yè)的視野。特別是在今年經濟下行的情況下,網絡信貸融資成為不少中小企業(yè)的融資新途徑。中小企業(yè)由于規(guī)模小、缺乏有效抵押資產等特點決定了信貸風險較大,如何利用網絡銀行這種新的融資渠道,采取何種經營方式,既能有效服務眾多中小企業(yè),又能有效控制信貸風險,在當前經濟背景下具有重要的現(xiàn)實意義。 本文采用理論與實證應用相結合的研究方法,通過系統(tǒng)總結了在當前經濟背景下網絡銀行信貸融資在中小企業(yè)應用模式、風險控制措施及對中小企業(yè)信貸融資當中的優(yōu)勢,同時指出商業(yè)銀行網絡銀行信貸在中小企業(yè)信貸業(yè)務中潛在風險,并對當前潛在風險問題提出具體防范建議。 最后以建行在福田雷沃企業(yè)通過“核心企業(yè)供應鏈融資”網絡銀行模式開展網絡銀行信貸服務為實例,描述了建設銀行開展對福田雷沃集團供應鏈上下游企業(yè)融資服務模式、信貸風險控制措施以及網絡信貸業(yè)務開展效果。
[Abstract]:Under the current domestic and foreign economic situation, the international financial crisis deep level influence is still appearing. The domestic economic downward pressure increases, the financing difficulty has become the bottleneck of the development of many enterprises, especially the small and medium-sized enterprises, the situation is even more severe. In fact, the traditional banks do not attach importance to SME customers, but the traditional credit approval standards and credit system standards can not be widely applied to SMEs, making their loan threshold in the bank is still relatively high. Network bank credit as a new financing channel, began to enter the vision of small and medium-sized enterprises. Especially in the economic downturn this year, network credit financing has become a new way for many small and medium-sized enterprises. Because of the small scale and the lack of effective mortgage assets, the small and medium-sized enterprises decide that the credit risk is great. How to use the network bank as a new financing channel and what kind of management way can effectively serve many small and medium-sized enterprises, And can effectively control the credit risk, in the current economic background has an important practical significance. This paper adopts the research method of combining theory and empirical application, summarizes the application mode of network bank credit financing in small and medium-sized enterprises under the current economic background, the risk control measure and the advantage to the small and medium-sized enterprise credit financing. At the same time, it points out the potential risks of network bank credit of commercial banks in the credit business of small and medium-sized enterprises, and puts forward some concrete suggestions to prevent the current potential risks. Finally, with the example of CCB developing network bank credit service through "core enterprise supply chain financing" in Futian Revo enterprise, the paper describes the financing service mode of upstream and downstream enterprises in Futian Revo Group supply chain by CCB. Credit risk control measures and network credit business development results.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：TP393.09;F832.4

【參考文獻】

相關期刊論文 前4條

1 仲春梅;;網絡環(huán)境下民營中小企業(yè)融資新途徑[J];才智;2010年30期

2 沈紅梅;胡士平;;我國網絡銀行發(fā)展中的問題與對策[J];合作經濟與科技;2009年23期

3 陳畢生;;我國網絡銀行發(fā)展存在的問題及對策[J];商場現(xiàn)代化;2008年27期

4 陳強;;中小企業(yè)網絡貸款及其風險分析[J];中國商貿;2011年15期

，

本文編號：1944255