本文選題：小微企業(yè)　切入點：寧夏銀行　出處：《寧夏大學》2014年碩士論文　論文類型：學位論文

【摘要】：2014年,中國經(jīng)濟正處于結(jié)構(gòu)調(diào)整的陣痛期,經(jīng)濟下行的壓力依然較大。但隨著經(jīng)濟結(jié)構(gòu)的調(diào)整,宏觀政策環(huán)境的改善,中國企業(yè)也迎來了發(fā)展的重要機遇。工信部于2011年6月18日頒布實施的《關(guān)于印發(fā)中小企業(yè)劃型標準規(guī)定的通知》中對中小微企業(yè)進行了明確劃定,符合這一標準的小微企業(yè)在我們身邊普遍存在。他們作為國民經(jīng)濟的重要組成部分,對拉動經(jīng)濟增長,繁榮區(qū)域經(jīng)濟,擴大社會就業(yè),縮小了城鄉(xiāng)差距,推進和諧社會建設具有重要意義,是推動國家經(jīng)濟發(fā)展的重要新興力量。 小微企業(yè)的發(fā)展一直受到政府和社會各方廣泛關(guān)注。促進中小企業(yè)和小微企業(yè)的發(fā)展是國民經(jīng)濟發(fā)展和戰(zhàn)略轉(zhuǎn)型、結(jié)構(gòu)調(diào)整的重大舉措,從中央到地方、從政府到企業(yè)、從財稅部門到商業(yè)銀行已經(jīng)取得了廣泛共識,為中小和小微企業(yè)發(fā)展的創(chuàng)造了良好的外部環(huán)境。國家先后出臺了《中華人民共和國中小企業(yè)促進法》,《國務院關(guān)于進一步促進中小企業(yè)發(fā)展的若干意見》(國發(fā)(2009)36號)等法規(guī),多管齊下支持小微企業(yè),全方位減輕稅收負擔。 小微企業(yè)信貸業(yè)務一直是寧夏銀行業(yè)務的重要組成部分。寧夏銀行堅持服務小微企業(yè),加大信貸資源的配置力度,堅定不移地把小微企業(yè)作為主要服務對象和信貸支持的重點。2009年底,經(jīng)銀監(jiān)會批準,寧夏銀行率先成立了自治區(qū)首家小微企業(yè)貸款專營機構(gòu)——小企業(yè)信貸中心。此外,寧夏銀行還大力推行特色化、門市化經(jīng)營模式,依據(jù)地域、行業(yè)和專業(yè)市場等特點,分別成立了“靈武羊絨貸款中心”、“中寧枸杞貸款中心”等8個金融服務中心。寧夏銀行小微企業(yè)貸款(含個人經(jīng)營性貸款)市場占比一直位居寧夏地區(qū)金融機構(gòu)榜首,連續(xù)四年實現(xiàn)“小微企業(yè)貸款增速不低于全部貸款平均增速,增量高于上年同期水平”的目標。作為一家致力于服務區(qū)域經(jīng)濟,具有鮮明的經(jīng)營特色和影響力的地方性商業(yè)銀行,在兼顧風險和收益的前提下,敏銳地把握小微企業(yè)信貸市場蘊藏的巨大商機,應發(fā)揮區(qū)域優(yōu)勢,進一步擴大小微企業(yè)信貸業(yè)務的市場份額,促進其小微貸業(yè)務的可持續(xù)發(fā)展。
[Abstract]:In 2014, the Chinese economy was in a painful period of structural adjustment, and the downward pressure on the economy remained high. But with the adjustment of the economic structure, the macroeconomic policy environment improved. Chinese enterprises have also ushered in an important opportunity for development. The circular issued by the Ministry of Industry and Information Technology on issuing and issuing the Standard provisions for small and Medium-sized Enterprises in June 18th 2011 clearly delineated the small and medium-sized enterprises. As an important part of the national economy, they have contributed to stimulating economic growth, prospering the regional economy, expanding social employment, and narrowing the gap between urban and rural areas. It is of great significance to promote the construction of a harmonious society and is an important emerging force to promote the national economic development. Promoting the development of small and medium-sized enterprises and small and micro enterprises is a major measure of national economic development and strategic transformation and structural adjustment, from the central to the local, from the government to the enterprises. From the financial and taxation departments to commercial banks, there has been broad consensus. The State has successively promulgated the Law of the people's Republic of China on the Promotion of small and Medium-sized Enterprises, and the State Council's views on further promoting the Development of small and Medium-sized Enterprises (No. 36 of the State Council). A multi-pronged approach to support small and micro enterprises, all-round tax burden relief. The credit business of small and micro enterprises has always been an important part of the business of Ningxia Bank. Ningxia Bank insists on serving small and micro enterprises and increasing the allocation of credit resources. Steadfastly regard small and micro enterprises as the main target of service and the focus of credit support. At the end of 2009, with the approval of the CBRC, Ningxia Bank took the lead in establishing the autonomous region's first small and micro enterprise lending monopoly, the small Enterprise Credit Center. The Ningxia Bank has also vigorously implemented a special and market-oriented business model, based on the characteristics of the region, industry and professional market. Eight financial service centers, including the Lingwu Cashmere loan Center and the Zhongning Lycium loan Center, have been set up. The market for small and micro-enterprise loans (including personal operating loans) of Ningxia Bank has always topped the list of financial institutions in Ningxia. For the fourth consecutive year, we have achieved the goal of "the growth rate of loans for small and micro enterprises is no less than the average growth rate of all loans, and the increase is higher than that of the same period last year." as a company dedicated to serving the regional economy, Local commercial banks with distinctive operating characteristics and influence should, on the premise of taking into account risks and benefits, have a keen grasp of the enormous business opportunities contained in the credit market of small and micro enterprises, and should give full play to their regional advantages. Further expand the market share of small and micro-enterprise credit business, promote its small micro-loan business sustainable development.
【學位授予單位】：寧夏大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F832.4

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