【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)不斷發(fā)展,小微企業(yè)已經(jīng)成為推動(dòng)國(guó)民經(jīng)濟(jì)發(fā)展、促進(jìn)社會(huì)穩(wěn)定、構(gòu)建多元化市場(chǎng)經(jīng)濟(jì)主體、緩解就業(yè)壓力的重要力量,我國(guó)社會(huì)經(jīng)濟(jì)可持續(xù)發(fā)展進(jìn)程的進(jìn)一步深化離不開(kāi)小微企業(yè)的健康發(fā)展。然而當(dāng)前,小微企業(yè)發(fā)展中最大的瓶頸是巨大的融資需求和小微企業(yè)融資難的現(xiàn)狀之間的矛盾,這是小微企業(yè)自身特征與商業(yè)銀行風(fēng)險(xiǎn)偏好之間博弈的結(jié)果。 商業(yè)銀行小微企業(yè)融資問(wèn)題,是目前金融領(lǐng)域研究的熱點(diǎn)問(wèn)題。從理論上講,由于受到范圍經(jīng)濟(jì)理論、市場(chǎng)細(xì)分理論和比較優(yōu)勢(shì)理論的驅(qū)動(dòng),商業(yè)銀行開(kāi)始關(guān)注小微企業(yè)金融領(lǐng)域并向小微企業(yè)提供相關(guān)融資業(yè)務(wù),然而我們也應(yīng)該看到,國(guó)外學(xué)者的研究成果和一些國(guó)際上關(guān)于商業(yè)銀行拓展小微企業(yè)融資業(yè)務(wù)的先進(jìn)經(jīng)驗(yàn),大多基于國(guó)外經(jīng)濟(jì)環(huán)境,對(duì)我國(guó)新興的商業(yè)銀行小微企業(yè)融資業(yè)務(wù)領(lǐng)域缺乏研究深度和現(xiàn)實(shí)意義,這些理論和方法并不完全適用于中國(guó),不能簡(jiǎn)單地照搬照抄。 本論文采用比較分析法、案例分析法等研究方法,通過(guò)對(duì)xx商業(yè)銀行基于廣西市場(chǎng)拓展的小微企業(yè)融資業(yè)務(wù)考察及案例分析,探尋xx商業(yè)銀行小微企業(yè)融資業(yè)務(wù)拓展存在的問(wèn)題,并研究分析包括商業(yè)銀行個(gè)體自身、小微企業(yè)內(nèi)部情況、金融市場(chǎng)環(huán)境等因素,結(jié)合相關(guān)理論對(duì)存在的問(wèn)題、原因及對(duì)策進(jìn)行分析研究,最后提出了商業(yè)銀行拓展小微企業(yè)融資業(yè)務(wù)的改進(jìn)途徑以及針對(duì)不足提出的對(duì)策建議,以期為商業(yè)銀行尤其在廣西市場(chǎng)拓展小微企業(yè)融資業(yè)務(wù)提供有益借鑒,為小微企業(yè)自身發(fā)展及政府管理等相關(guān)法律法規(guī)建設(shè)提供有益啟示。
[Abstract]:With the continuous development of China's market economy, small and micro enterprises have become an important force to promote the development of the national economy, promote social stability, build a diversified market economy, and ease the pressure of employment. The process of sustainable social and economic development in China can not be further deepened without the healthy development of small and micro enterprises. However, at present, the biggest bottleneck in the development of small and micro enterprises is the contradiction between the huge financing demand and the current situation of financing difficulties of small and micro enterprises, which is the result of the game between the characteristics of small and micro enterprises and the risk preference of commercial banks. The financing of small and micro enterprises in commercial banks is a hot issue in the field of finance. Theoretically, driven by scope economy theory, market segmentation theory and comparative advantage theory, commercial banks begin to pay attention to the financial field of small and micro enterprises and provide related financing services to small and micro enterprises. However, we should also see that, Most of the research results of foreign scholars and some advanced international experiences on the development of small and microenterprise financing by commercial banks are based on the foreign economic environment. There is a lack of depth and practical significance in the field of financing of small and micro enterprises in China's new commercial banks. These theories and methods are not fully applicable to China and can not be copied simply. This paper uses comparative analysis, case analysis and other research methods, through xx commercial bank based on Guangxi market expansion of small and micro enterprises financing business investigation and case analysis. To explore the problems existing in the development of the financing business of xx commercial bank, and to study and analyze the factors including the individual of the commercial bank, the internal situation of the small and micro enterprise, the financial market environment and so on, and combine the relevant theories to analyze the existing problems. The reasons and countermeasures are analyzed and studied. Finally, the author puts forward the ways to improve the financing business of small and micro enterprises in commercial banks and the countermeasures and suggestions to solve the problems. The purpose of this paper is to provide useful reference for commercial banks to expand the financing business of small and micro enterprises especially in Guangxi market and to provide useful enlightenment for the development of small and micro enterprises and the construction of relevant laws and regulations such as government management.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F276.3

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