【摘要】：近年來,中小企業(yè)發(fā)展迅速,已經成為促進我國經濟發(fā)展最具活力的增長點和統(tǒng)籌城鄉(xiāng)發(fā)展、構建和諧社會的重要載體。自2004年開始,國家開發(fā)銀行寧夏分行貫徹國家發(fā)展戰(zhàn)略要求,從市場建設、信用建設和制度建設入手,深入實際開展中小企業(yè)貸款,對促進城鄉(xiāng)就業(yè)創(chuàng)業(yè)、增強經濟活力、緩解中小企業(yè)融資難和實現(xiàn)人人享有平等融資權利等起到了良好效果。但是,由于寧夏地區(qū)中小企業(yè)自身固有不足,國家開發(fā)銀行寧夏分行內部經營環(huán)境缺陷以及外部融資環(huán)境的不完善等因索,導致國家開發(fā)銀行寧夏分行中小企業(yè)信貸業(yè)務發(fā)展面臨諸多問題。本文從寧夏地區(qū)中小企業(yè)發(fā)展及融資現(xiàn)狀出發(fā),在分析開發(fā)性金融支持寧夏地區(qū)中小企業(yè)貸款模式及總體情況的基礎上,提出目前國家開發(fā)銀行寧夏分行開展中小企業(yè)信貸業(yè)務存在的問題,并試圖探索出解決問題的策略和工作方法,以期推動中小企業(yè)信貸業(yè)務又好又快地發(fā)展。
[Abstract]:In recent years, small and medium-sized enterprises have developed rapidly, which has become the most dynamic growth point of economic development in China and an important carrier to coordinate urban and rural development and build a harmonious society. Since 2004, the Ningxia Branch of the China Development Bank has carried out the national development strategy, started with market construction, credit construction and system construction, carried out loans to small and medium-sized enterprises in practice, which will promote urban and rural employment entrepreneurship and enhance economic vitality. Easing the financing difficulties of small and medium-sized enterprises and realizing equal financing rights for all have played a good role. However, due to the inherent deficiencies of the small and medium-sized enterprises in Ningxia region, the defects in the internal operating environment of the Ningxia Branch of the China Development Bank and the imperfection of the external financing environment, As a result, China Development Bank Ningxia Branch of small and medium-sized credit business development faces many problems. Based on the development and financing status of small and medium-sized enterprises in Ningxia, this paper analyzes the loan mode and the overall situation of developing finance to support small and medium-sized enterprises in Ningxia. This paper puts forward the problems existing in the credit business of small and medium-sized enterprises in Ningxia Branch of China Development Bank, and tries to find out the strategies and working methods to solve the problem, in order to promote the development of credit business of small and medium-sized enterprises well and quickly.
【學位授予單位】：寧夏大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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本文編號：2237928