【摘要】：中小企業(yè)發(fā)展一直是我國(guó)政策扶持的重點(diǎn)。隨著商業(yè)銀行市場(chǎng)競(jìng)爭(zhēng)和監(jiān)管要求的不斷提升，利率市場(chǎng)化的日益臨近，以及大型企業(yè)金融脫媒現(xiàn)象的日益顯著，國(guó)內(nèi)各家商業(yè)銀行也都將中小企業(yè)業(yè)務(wù)作為戰(zhàn)略轉(zhuǎn)型的重點(diǎn)。在實(shí)際的經(jīng)營(yíng)過程中，由于信息不對(duì)稱等原因造成中小企業(yè)業(yè)務(wù)操作成本高，風(fēng)險(xiǎn)把控能力弱等問題，各家商業(yè)銀行在關(guān)注這一市場(chǎng)的同時(shí)，也經(jīng)常感到業(yè)務(wù)開展有諸多困擾。 本文研究課題以作者所供職的浦發(fā)銀行中小企業(yè)業(yè)務(wù)為研究對(duì)象，，在對(duì)比國(guó)內(nèi)外商業(yè)銀行主要中小企業(yè)業(yè)務(wù)經(jīng)營(yíng)模式的基礎(chǔ)上，分析商業(yè)銀行和中小企業(yè)在需求、成本和風(fēng)險(xiǎn)承受等方面的價(jià)值結(jié)合點(diǎn)，提出聚腋成裘，變單筆中小企業(yè)業(yè)務(wù)為同類、同質(zhì)中小企業(yè)集群業(yè)務(wù)的觀點(diǎn)，并結(jié)合全過程金融服務(wù)的理念，對(duì)開展中小企業(yè)集群業(yè)務(wù)的具體實(shí)施路徑提出可行性方案建議。作者力求通過此課題的研究，對(duì)浦發(fā)銀行在中小企業(yè)業(yè)務(wù)經(jīng)營(yíng)領(lǐng)域的進(jìn)一步發(fā)展提供一種新的方式借鑒。
[Abstract]:The development of small and medium-sized enterprises has always been the focus of policy support in our country. With the continuous improvement of market competition and supervision requirements of commercial banks, the marketization of interest rates is approaching, and the phenomenon of financial disintermediation of large enterprises is becoming more and more prominent. Domestic commercial banks also regard the business of small and medium-sized enterprises as the focus of strategic transformation. In the actual business process, due to asymmetric information and other reasons, the business operation cost of small and medium-sized enterprises is high, the risk control ability is weak and so on. When commercial banks pay attention to this market, they often feel that there are many problems in the development of business. In this paper, the author works for the small and medium-sized enterprises of Pudong Development Bank as the research object, on the basis of comparing the business models of the main small and medium-sized enterprises of domestic and foreign commercial banks, this paper analyzes the demand of commercial banks and small and medium-sized enterprises. Based on the combination of cost and risk bearing, this paper puts forward the viewpoint of turning a single small and medium-sized enterprise business into a similar business, homogeneous small and medium-sized enterprise cluster business, and combining the concept of financial services in the whole process. This paper puts forward some feasible suggestions on the concrete implementation path of developing the cluster business of small and medium-sized enterprises. Through the research of this subject, the author tries to provide a new way for reference for the further development of Pudong Development Bank in the field of business management of small and medium-sized enterprises.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33

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