本文選題：中小企業(yè) + 融資業(yè)務��； 參考：《內(nèi)蒙古大學》2012年碩士論文

【摘要】：中小企業(yè)已成為中國經(jīng)濟發(fā)展的一支推動力量,在促進科技進步、提高資源配置效率、增加就業(yè)以及擴大出口等方面,發(fā)揮著不可忽視且不可替代的作用。然而,融資難作為長期沒有完全解決的課題,一直是制約中小企業(yè)進一步發(fā)展的主要瓶頸。雖然國家相關部門與銀行先后出臺的各項政策與措施促進了中小企業(yè)融資環(huán)境的改善,但中小企業(yè)融資難的呼聲始終未見減弱,反而有更多和更復雜的新問題在實際操作中不斷涌現(xiàn)。如果這一瓶頸不能有效突破,將直接影響到中小企業(yè)的健康持續(xù)發(fā)展。因此,如何解決中小企業(yè)發(fā)展過程中的融資難問題便成為當前政府、中小企業(yè)、銀行以及理論界所共同關注的研究課題。 本研究基于商業(yè)銀行的視角,結(jié)合筆者在交通銀行內(nèi)蒙古分行多年的工作經(jīng)驗與切身體會,以信息不對稱理論、信貸配給理論以及關系型貸款理論為理論基礎,綜合運用文獻研究、數(shù)理統(tǒng)計分析以及歸納研究法等研究方法以及EXCEL數(shù)理統(tǒng)計工具,圍繞“交通銀行內(nèi)蒙古分行發(fā)展中小企業(yè)融資業(yè)務”這一基本研究命題,深入地研究了以下三個問題：(1)利用2009年至2011年交通銀行內(nèi)蒙古分行的年度財務數(shù)據(jù)以及筆者對隨機抽查的60戶中小貸款企業(yè)的調(diào)查數(shù)據(jù),從業(yè)務規(guī)模與效益、資產(chǎn)質(zhì)量、金融服務品種、貸款期限、貸款價格、擔保方式以及行業(yè)分布等方面對交通銀行內(nèi)蒙古分行發(fā)展中小企業(yè)融資業(yè)務的現(xiàn)狀進行了分析；(2)結(jié)合交通銀行內(nèi)蒙古分行發(fā)展中小企業(yè)融資業(yè)務的現(xiàn)狀,剖析了交通銀行內(nèi)蒙古分行發(fā)展中小企業(yè)融資業(yè)務的難點；(3)從交通銀行內(nèi)蒙古分行實際操作的角度出發(fā),針對交通銀行內(nèi)蒙古分行發(fā)展中小企業(yè)融資業(yè)務存在的難點,系統(tǒng)地提出完善交通銀行內(nèi)蒙古分行發(fā)展中小企業(yè)融資業(yè)務的對策。 通過上述研究,本文得出了具有理論性和操作性的可行結(jié)論,希望能真正促進交通銀行內(nèi)蒙古分行乃至我國商業(yè)銀行信貸融資體系的健康發(fā)展,從而有效解決中小企業(yè)融資難的問題。
[Abstract]:Small and medium-sized enterprises (SMEs) have become a driving force in China's economic development. They play an irreplaceable role in promoting the progress of science and technology, improving the efficiency of resource allocation, increasing employment and expanding exports. However, the difficulty of financing has not been completely solved for a long time and has been the main bottleneck restricting the further development of SMEs. Although various policies and measures issued successively by relevant state departments and banks have promoted the improvement of the financing environment for small and medium-sized enterprises, the voice of financing difficulties for small and medium-sized enterprises has not been weakened. Instead, more and more complex new problems are emerging in practice. If this bottleneck can not be effectively broken through, it will directly affect the healthy and sustainable development of SMEs. Therefore, how to solve the financing difficulties in the development of SMEs has become a common concern of the government, SMEs, banks and theorists. This study is based on the perspective of commercial banks, combined with the author's working experience and personal experience in Inner Mongolia Branch of Bank of Communications for many years, based on information asymmetry theory, credit rationing theory and relational loan theory. With the comprehensive use of literature research, mathematical statistics analysis, inductive research and EXCEL statistical tools, this paper focuses on the basic research proposition of "developing financing business of small and medium-sized enterprises in Inner Mongolia Branch of Bank of Communications". This paper deeply studies the following three questions: 1) using the annual financial data of Inner Mongolia Branch of Bank of Communications from 2009 to 2011 and the survey data of 60 small and medium-sized loan enterprises randomly selected by the author, from business scale and benefit, asset quality. Types of financial services, loan maturity, loan price, From the aspects of guarantee mode and industry distribution, this paper analyzes the present situation of the development of SME financing business in Inner Mongolia Branch of Bank of Communications, combined with the current situation of developing SME financing business in Inner Mongolia Branch of Bank of Communications. This paper analyzes the difficulties of developing the financing business of small and medium-sized enterprises in Inner Mongolia Branch of Bank of Communications, starting from the practical operation of Inner Mongolia Branch of Bank of Communications, aiming at the difficulties existing in the development of financing business of small and medium-sized enterprises in Inner Mongolia Branch of Bank of Communications. Put forward the countermeasure of perfecting the Inner Mongolia Branch of Bank of Communications to develop the financing business of small and medium-sized enterprises. Through the above research, this paper draws a feasible conclusion with theory and operation, hoping to promote the healthy development of the credit financing system of Bank of Communications Inner Mongolia Branch and even China's commercial banks. In order to effectively solve the financing difficulties of small and medium-sized enterprises.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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本文編號：1952692