本文選題：小微企業(yè)　切入點(diǎn)：信貸模式　出處：《山東大學(xué)》2014年碩士論文

【摘要】：目前小微企業(yè)貸款舉步維艱,本文在理論分析的基礎(chǔ)上,結(jié)合國(guó)內(nèi)外現(xiàn)實(shí)的成功經(jīng)驗(yàn),提出了適合小微企業(yè)的幾種貸款模式及相應(yīng)的發(fā)展對(duì)策。 首先,在分析小微企業(yè)重要性的基礎(chǔ)上,創(chuàng)新性的借助生產(chǎn)者均衡理論和信息不對(duì)稱理論分析了小微企業(yè)貸款中需要破解的難題。一是如何確定合理小微企業(yè)融資成本,二是如何緩解銀行和企業(yè)之間的信息不對(duì)稱。同時(shí)分析了影響商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)的因素：小微企業(yè)的綜合能力和信用狀況,包括核心經(jīng)營(yíng)者的素質(zhì)、企業(yè)的發(fā)展前景、企業(yè)的技術(shù)水平和創(chuàng)新能力和企業(yè)的信用狀況；銀行的業(yè)務(wù)水平和創(chuàng)新能力；社會(huì)中介機(jī)構(gòu)的大力發(fā)展；政府的監(jiān)管和介入。 其次,在上述分析的基礎(chǔ)上探討了國(guó)內(nèi)外小微企業(yè)的經(jīng)典模式,國(guó)外商業(yè)銀行小微企業(yè)信貸的經(jīng)典模式包括：美國(guó)的政府貸款擔(dān)保模式、孟加拉的鄉(xiāng)村銀行模式、玻利維亞陽(yáng)光銀行模式、東南亞的淡馬錫模式等,國(guó)內(nèi)商業(yè)銀行小微企業(yè)信貸的經(jīng)典模式包括：撫松模式、抱團(tuán)增信模式、“商貸通”模式、橋隧模式和網(wǎng)絡(luò)聯(lián)保信貸模式。在結(jié)合案例分析的基礎(chǔ)上,最終提出了促進(jìn)商業(yè)銀行小微企業(yè)信貸模式創(chuàng)新的對(duì)策。
[Abstract]:At present, the loan of small and micro enterprises is very difficult. Based on the theoretical analysis and the successful experience at home and abroad, this paper puts forward several loan modes suitable for small and micro enterprises and the corresponding development countermeasures.First of all, on the basis of analyzing the importance of small and micro enterprises, the author analyzes the problems that need to be solved in the loan of small and micro enterprises with the help of producer equilibrium theory and information asymmetry theory.One is how to determine the reasonable financing cost of small and micro enterprises, the other is how to alleviate the information asymmetry between banks and enterprises.At the same time, it analyzes the factors that affect the credit business of the small and micro enterprises of commercial banks: the comprehensive ability and credit status of the small and micro enterprises, including the quality of the core operators, the development prospects of the enterprises,The technical level and innovation ability of the enterprise and the credit condition of the enterprise; the business level and innovation ability of the bank; the vigorous development of the social intermediary organization; the supervision and intervention of the government.Secondly, on the basis of the above analysis, the classic models of domestic and foreign small and micro enterprises are discussed. The classic models of foreign commercial banks' small and micro enterprises' credit include: American government loan guarantee model, Bangladesh's rural bank model,Bolivia Sunshine Bank model, Southeast Asia Temasek model, domestic commercial banks of small and micro enterprise credit model, including: Fusong model, syndicated credit model, "business and loan" model, bridge and tunneling mode and network UNPROFOR credit model.On the basis of case study, the paper finally puts forward the countermeasures to promote the innovation of credit mode of small and micro enterprises in commercial banks.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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本文編號(hào)：1705749