【摘要】：自2008年美國(guó)爆發(fā)次貸危機(jī)以來(lái)，金融危機(jī)迅速蔓延并席卷全球，世界各國(guó)先后陷入了經(jīng)濟(jì)衰退的局面，越來(lái)越多的企業(yè)倒閉或處于破產(chǎn)的邊緣，，中國(guó)也未能例外。特別是國(guó)內(nèi)的眾多中小企業(yè)，由于面臨著資金短缺、融資困難等嚴(yán)重問(wèn)題，受此次金融危機(jī)的沖擊也最大，生存狀況亦不容樂(lè)觀。 為了緩解金融危機(jī)的負(fù)面影響，真正有效的解決中小企業(yè)融資難的瓶頸，國(guó)家先后出臺(tái)了諸多政策和法規(guī)，加大了對(duì)中小企業(yè)的扶持力度，對(duì)國(guó)內(nèi)商業(yè)銀行明確提出要求，對(duì)中小企業(yè)要進(jìn)行重點(diǎn)支持，增加和提高對(duì)中小企業(yè)的信貸投放額度和貸款增速。 與此同時(shí)，隨著商業(yè)銀行同業(yè)競(jìng)爭(zhēng)的進(jìn)一步加劇，為了增加收入來(lái)源，拓展新的業(yè)務(wù)領(lǐng)域，中小企業(yè)也逐漸引起了商業(yè)銀行的高度重視，從戰(zhàn)略上進(jìn)行轉(zhuǎn)變和調(diào)整，優(yōu)質(zhì)的中小企業(yè)已成為各家商業(yè)銀行激烈爭(zhēng)奪的重點(diǎn)客戶群體，商業(yè)銀行紛紛圍繞中小企業(yè)的切實(shí)需求，積極開(kāi)展中小企業(yè)融資的探索。特別是進(jìn)入2009年之后，國(guó)內(nèi)各商業(yè)銀行明顯加大了在中小企業(yè)融資方面的創(chuàng)新力度，越來(lái)越多的創(chuàng)新產(chǎn)品和服務(wù)逐漸面世，在一定程度上有效解決了部分中小企業(yè)的融資難題。在這些中小企業(yè)融資創(chuàng)新服務(wù)中，“信貸工廠”模式值得我們重點(diǎn)關(guān)注。專業(yè)化經(jīng)營(yíng)、標(biāo)準(zhǔn)化操作的“信貸工廠”業(yè)務(wù)模式，是在中小企業(yè)貸款額度小、客戶數(shù)量多的現(xiàn)實(shí)條件下實(shí)現(xiàn)集約化經(jīng)營(yíng)的客觀要求，也是強(qiáng)化中小企業(yè)信貸業(yè)務(wù)流程約束，提高風(fēng)險(xiǎn)控制能力的必然選擇。這既是國(guó)際先進(jìn)商業(yè)銀行發(fā)展中小企業(yè)業(yè)務(wù)的成功經(jīng)驗(yàn)，也代表著未來(lái)國(guó)內(nèi)商業(yè)銀行中小企業(yè)業(yè)務(wù)模式的發(fā)展方向，可能會(huì)成為未來(lái)商業(yè)銀行開(kāi)展中小企業(yè)融資業(yè)務(wù)的主流模式。 本文主要通過(guò)對(duì)國(guó)內(nèi)中小企業(yè)的現(xiàn)狀與融資情況進(jìn)行了闡述和分析，對(duì)“信貸工廠”模式產(chǎn)生的政策背景和經(jīng)濟(jì)背景進(jìn)行了系統(tǒng)的分析，并著重分析了“信貸工廠”模式的主要特點(diǎn)、運(yùn)作模式和基本操作流程等方面的問(wèn)題，詳細(xì)介紹了國(guó)內(nèi)一些商業(yè)銀行對(duì)于“信貸工廠”模式的引入和應(yīng)用推廣情況，以及各商業(yè)銀行的主要做法、成功經(jīng)驗(yàn)和取得的成效，并以中國(guó)建設(shè)銀行河北省分行運(yùn)行“信貸工廠”模式的成功案例，對(duì)其在試點(diǎn)“信貸工廠”模式過(guò)程中的經(jīng)驗(yàn)和做法進(jìn)行了全面總結(jié)，為銀行同業(yè)提供借鑒和幫助�！靶刨J工廠”模式不僅僅為國(guó)內(nèi)商業(yè)銀行解決中小企業(yè)融資難的開(kāi)辟了一條有效途徑，而且也為商業(yè)銀行自身調(diào)整資產(chǎn)結(jié)構(gòu)、轉(zhuǎn)變?cè)鲩L(zhǎng)方式、控制信貸風(fēng)險(xiǎn)、保持穩(wěn)健經(jīng)營(yíng)起到積極的推進(jìn)作用，符合商業(yè)銀行優(yōu)化發(fā)展戰(zhàn)略。因而，“信貸工廠”模式未來(lái)在我國(guó)商業(yè)銀行的應(yīng)用具有廣闊的前景。
[Abstract]:Since the subprime mortgage crisis broke out in the United States in 2008, the financial crisis has spread rapidly and swept the whole world. Every country in the world has been plunged into an economic recession one after another. More and more enterprises have closed down or are on the verge of bankruptcy, and China is no exception. In particular, many small and medium-sized enterprises in China are facing serious problems such as shortage of funds and difficulties in financing, which are also the biggest impact of the financial crisis, and their living conditions are not optimistic. In order to alleviate the negative impact of the financial crisis and solve the bottleneck of financing difficulties of SMEs effectively, the state has successively issued many policies and regulations, increased the support for SMEs, and made clear requirements for domestic commercial banks. We should focus on supporting small and medium-sized enterprises and increase the credit quota and loan growth rate for small and medium-sized enterprises. At the same time, with the further intensification of interbank competition in commercial banks, in order to increase revenue sources and expand new business areas, small and medium-sized enterprises have gradually aroused the high attention of commercial banks and made strategic changes and adjustments. High quality small and medium-sized enterprises have become the key customer group that commercial banks compete for fiercely. Commercial banks have been actively exploring the financing of small and medium-sized enterprises around the practical needs of small and medium-sized enterprises. Especially after entering 2009, the domestic commercial banks have obviously increased the innovation in the financing of SMEs, and more innovative products and services are gradually available, to a certain extent, effectively solve the financing problems of some SMEs. In these SME financing innovation services, the "credit factory" model deserves our attention. The "credit factory" business model of specialized operation and standardized operation is the objective requirement of realizing intensive operation under the realistic conditions of small and medium-sized enterprises with small loan quota and large number of customers, and it is also to strengthen the restriction of small and medium-sized enterprises' credit business process. The inevitable choice to improve the ability of risk control. This is not only the successful experience of the international advanced commercial banks in developing small and medium-sized enterprises, but also represents the development direction of the domestic commercial banks' business model of small and medium-sized enterprises in the future. May become the future commercial bank carries out the medium and small-sized enterprise financing service the mainstream pattern. This article mainly through the domestic small and medium-sized enterprises present situation and the financing situation has carried on the elaboration and the analysis, has carried on the systematic analysis to the "credit factory" pattern policy background and the economic background. The main characteristics, operation mode and basic operation flow of the "credit factory" model are analyzed, and the introduction and application of the "credit factory" model in some domestic commercial banks are introduced in detail. As well as the main practices, successful experiences and achievements of the commercial banks, and the successful cases of running the "credit factory" model in Hebei Branch of China Construction Bank, The experience and practice in the process of pilot "credit factory" model are summarized in order to provide reference and help for the interbank. The "credit factory" model not only opens up an effective way for domestic commercial banks to solve the financing difficulties of small and medium-sized enterprises, but also helps commercial banks to adjust their asset structure, change their growth mode, and control credit risks. Maintain steady management to play a positive role in promoting, in line with commercial banks optimized development strategy. Therefore, the future application of the "credit factory" model in China's commercial banks has broad prospects.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

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