本文選題：商業(yè)銀行　切入點：科技型中小企業(yè)　出處：《天津財經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：科技型中小企業(yè)作為我國中小企業(yè)發(fā)展中的領(lǐng)軍人物,以其獨特的科學(xué)技術(shù)研發(fā)創(chuàng)新能力在擴大就業(yè)、穩(wěn)定社會、推動經(jīng)濟高速增長中扮演著不可或缺的重要角色。然而,與科技型中小企業(yè)所作出的貢獻不相稱的是,科技型中小企業(yè)在發(fā)展壯大過程中的融資需求往往不能得到有效的滿足,其融資困境已然成為制約我國科技型中小企業(yè)快速、持續(xù)成長的最大阻礙。因此,如何以商業(yè)銀行為突破口,構(gòu)建與科技型中小企業(yè)“短、小、頻、急”的信貸需求相適應(yīng)的信貸業(yè)務(wù)模式與流程,從而進一步拓展科技型中小企業(yè)的融資渠道,對破解科技型中小企業(yè)融資瓶頸,實現(xiàn)商業(yè)銀行與科技型中小企業(yè)互利共贏,共同發(fā)展的美好未來具有重要意義。文章在分析了我國科技型中小企業(yè)的特點及融資現(xiàn)狀的基礎(chǔ)上,從科技型中小企業(yè)自身、商業(yè)銀行、政府政策扶持三個角度深入剖析了我國科技型中小企業(yè)融資困境的成因,繼而引入信貸配給的理論分析框架,并結(jié)合貸款利率、政府直接財政補貼以及項目研發(fā)失敗的損失等因素建立信息不對稱下的商業(yè)銀行與科技型中小企業(yè)間的信貸配給模型,以探究我國科技型中小企業(yè)信貸市場的實際情況。同時,選用SWOT分析工具,對商業(yè)銀行開展科技型中小企業(yè)信貸業(yè)務(wù)的發(fā)展環(huán)境進行細致地分析與研究,并就天津銀行的發(fā)展現(xiàn)狀構(gòu)建了天津銀行發(fā)展科技型中小企業(yè)信貸的SWOT戰(zhàn)略矩陣。最后,通過對商業(yè)銀行拓展科技型中小企業(yè)信貸業(yè)務(wù)各影響因素及SWOT模型的綜合分析,提出了我國商業(yè)銀行深化科技型中小企業(yè)信貸策略的框架建議。商業(yè)銀行應(yīng)加快戰(zhàn)略轉(zhuǎn)型,聚焦科技型中小企業(yè)；構(gòu)建適合科技型中小企業(yè)信貸的業(yè)務(wù)模式與流程；推進金融產(chǎn)品與服務(wù)創(chuàng)新；完善風(fēng)險評估體系,防范信貸風(fēng)險；加強與政府機構(gòu)合作,謀求政策扶持,以實現(xiàn)商業(yè)銀行、科技型中小企業(yè)、政府機構(gòu)三方共贏的美好局面。
[Abstract]:As a leader in the development of small and medium-sized enterprises in China, science and technology SMEs, with their unique scientific and technological R & D innovation ability, play an indispensable role in expanding employment, stabilizing society and promoting rapid economic growth. What is not commensurate with the contribution made by the small and medium-sized technological enterprises is that the financing needs of the small and medium-sized technological enterprises in the process of development and expansion are often not met effectively, and their financing predicament has become a constraint to the rapid development of science and technology small and medium-sized enterprises in China. Therefore, how to use commercial banks as a breakthrough to build a credit business model and process suitable for the "short, small, frequent and urgent" credit demand of small and medium-sized technological enterprises, In order to further expand the financing channels of science and technology small and medium-sized enterprises, to solve the financing bottleneck of science and technology small and medium-sized enterprises, and to realize the mutual benefit of commercial banks and science and technology small and medium-sized enterprises, On the basis of analyzing the characteristics and current financing situation of science and technology small and medium-sized enterprises in China, the article analyzes the characteristics of science and technology small and medium-sized enterprises themselves, commercial banks, From three angles of government policy support, this paper deeply analyzes the causes of the financing difficulties of the small and medium-sized technological enterprises in China, and then introduces the theoretical analysis framework of credit rationing, and combines with the loan interest rate. In order to explore the actual situation of the credit market of the small and medium-sized scientific and technological enterprises in China, the government direct financial subsidy and the loss of the project R & D failure are established to establish the credit rationing model between the commercial banks and the small and medium-sized scientific and technological enterprises under the asymmetric information. Using SWOT analysis tools, this paper makes a detailed analysis and research on the development environment of the credit business of the small and medium-sized technological enterprises in commercial banks. The paper also constructs the SWOT strategic matrix of Tianjin Bank to develop the credit of small and medium-sized scientific and technological enterprises according to the present development situation of Tianjin Bank. Finally, through the comprehensive analysis of the influencing factors and the SWOT model of the commercial banks to expand the credit business of the small and medium-sized enterprises of the science and technology type. The paper puts forward some suggestions on how to deepen the credit strategy of science and technology SMEs in China's commercial banks. Commercial banks should speed up strategic transformation, focus on science and technology small and medium-sized enterprises, construct business models and processes suitable for science and technology small and medium-sized enterprises' credit. Promote innovation of financial products and services, perfect risk assessment system, guard against credit risk, strengthen cooperation with government agencies and seek policy support to achieve a win-win situation among commercial banks, small and medium-sized scientific and technological enterprises and government institutions.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4

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