【摘要】：中小企業(yè)是與同行業(yè)的大型企業(yè)比較相對較小的經(jīng)濟(jì)單位。就我國目前的發(fā)展趨勢而言,中小企業(yè)對促進(jìn)國民經(jīng)濟(jì)增長、緩解就業(yè)壓力、調(diào)整和優(yōu)化經(jīng)濟(jì)結(jié)構(gòu)、增加財(cái)政收入發(fā)揮著重要的作用。然而,我國中小企業(yè)的發(fā)展面臨諸多困難,其中中小企業(yè)所普遍面臨的融資困境已成為制約中小企業(yè)可持續(xù)發(fā)展的瓶頸。 包商銀行是一家新興的股份制商業(yè)銀行,成立于1998年,前身是包頭市商業(yè)銀行。自成立以來,包商銀行始終高度重視發(fā)展中小企業(yè)金融業(yè)務(wù),通過與德國IPC公司精誠合作,已逐漸形成自己的經(jīng)營特色,并探索出一條差異化、特色化的發(fā)展道路。近幾年來包商銀行以超前的經(jīng)營理念、簡便的信貸流程不斷服務(wù)于中小企業(yè),成為支持中小企業(yè)發(fā)展的忠實(shí)伙伴。 本文將以中小企業(yè)為線索,分析中小企業(yè)融資現(xiàn)狀,深刻探討造成該問題的根本原因及解決該問題的一般思路。同時(shí)本文將從包頭市場出發(fā),結(jié)合包商銀行現(xiàn)有的信貸模式,提出解決該問題的行之有效的對策。此外,本文還會介紹包商銀行支持中小企業(yè)融資的舉措及產(chǎn)品創(chuàng)新。
[Abstract]:Small and medium-sized enterprises are relatively small economic units compared with large enterprises in the same industry. As far as the current development trend of our country is concerned, small and medium-sized enterprises play an important role in promoting the growth of national economy, relieving the pressure of employment, adjusting and optimizing the economic structure and increasing the financial revenue. However, the development of small and medium-sized enterprises in China is facing many difficulties, and the financing difficulties faced by small and medium-sized enterprises have become the bottleneck restricting the sustainable development of small and medium-sized enterprises. Contractor Bank is a new joint-stock commercial bank, founded in 1998, formerly Baotou City Commercial Bank. Since its establishment, the contractor bank has always attached great importance to the development of financial services for small and medium-sized enterprises. Through sincere cooperation with Germany's IPC Corporation, it has gradually formed its own management characteristics and explored a differentiated and characteristic development path. In recent years, the contractor bank has become a faithful partner to support the development of small and medium-sized enterprises with advanced management concept and simple credit process. This article will take the small and medium-sized enterprise as the clue, analyzes the small and medium-sized enterprise financing present situation, deeply discusses the root cause which causes this question and the general thought which solves this question. At the same time, this article will start from the market of Baotou, combine the existing credit mode of the contractor bank, put forward the effective countermeasure to solve this problem. In addition, this article will also introduce the contractor bank to support SME financing initiatives and product innovation.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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