發(fā)布時間：2018-03-29 03:16

  本文選題：商業(yè)銀行　切入點：小微企業(yè)　出處：《云南大學》2014年碩士論文

【摘要】：伴隨著改革開放進程的逐步推進,包括個體私營等在內(nèi)的非公有制經(jīng)濟30多年來獲得了迅猛發(fā)展,他們已經(jīng)成為社會主義市場經(jīng)濟中的中堅力量。然而,需要特別指出的是目前我國眾多小微企業(yè)仍然在生死線上徘徊,而融資困難是制約小微企業(yè)發(fā)展的主要因素之一。如果無法有效解決小微企業(yè)融資困難這一問題,必將對我國市場經(jīng)濟的健康穩(wěn)定發(fā)展帶來不利影響。另外,從商業(yè)銀行自身經(jīng)營角度來看,基于當前金融“脫媒”的大環(huán)境下,包括國有企業(yè)和大型企業(yè)等在內(nèi)的國內(nèi)優(yōu)質(zhì)企業(yè)的議價能力也得到了大幅提升,在籌集外部資金過程中,會有更多的融資渠道可供這些優(yōu)質(zhì)企業(yè)選擇,即使他們采取銀行融資方式來籌資資金,迫于激烈的金融市場競爭壓力,銀行為吸引這些優(yōu)質(zhì)企業(yè)也會競相殺價,從而使自身的利潤空間進一步縮小。相對而言,商業(yè)銀行在小微企業(yè)貸款方面則具有較高的議價能力,因此其利潤空間也相對較大。 本文立足于商業(yè)銀行角度出發(fā),圍繞小微企業(yè)融資難的背景及意義進行了探討,提出了小微企業(yè)融資難的相關問題,并從小微企業(yè)自身、銀行以及政府這三個角度對小微企業(yè)融資困難的原因進行了系統(tǒng)梳理與探討,進而找出融資難的根源和化解之策。以期待對于小微企業(yè)融資及商業(yè)銀行發(fā)展具有一定的積極作用。
[Abstract]:With the progress of reform and opening up, the non-public economy, including the private and individual, has been developing rapidly for more than 30 years, and they have become the backbone of the socialist market economy. It should be pointed out in particular that at present, many small and micro enterprises in our country are still hovering on the line of life and death, and financing difficulties are one of the main factors restricting the development of small and micro enterprises. If the problem of financing difficulties of small and micro enterprises cannot be effectively solved, In addition, from the point of view of commercial banks' own management, based on the current financial "disintermediation" environment, The bargaining power of high-quality domestic enterprises, including state-owned enterprises and large enterprises, has also been greatly enhanced. In the process of raising external funds, there will be more financing channels for these high-quality enterprises to choose from. Even if they resort to bank financing to raise funds, banks, under intense competition in the financial markets, will compete to attract these quality companies, thereby further narrowing their profit margins. Commercial banks have higher bargaining power in small and micro-enterprise loans, so their profit margins are relatively large. Based on the perspective of commercial banks, this paper discusses the background and significance of the financing difficulties of small and micro enterprises, puts forward the related problems of financing difficulties of small and micro enterprises, and the small and micro enterprises themselves. From these three angles, the banks and the government have systematically combed and discussed the causes of the financing difficulties of small and micro enterprises. Then find out the root of the financing difficulties and the countermeasures to look forward to the financing of small and micro enterprises and the development of commercial banks have a certain positive role.
【學位授予單位】：云南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3;F275

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