本文選題：小微企業(yè) + 城市商業(yè)銀行��； 參考：《安徽大學(xué)》2014年碩士論文

【摘要】：根據(jù)世界銀行的統(tǒng)計(jì)數(shù)據(jù),在2012年我國(guó)的4200多萬(wàn)中小企業(yè)占據(jù)我國(guó)企業(yè)總數(shù)的99.8%。中小企業(yè)的發(fā)展適應(yīng)了當(dāng)前我國(guó)經(jīng)濟(jì)的發(fā)展趨勢(shì),為我國(guó)經(jīng)濟(jì)發(fā)展做出了巨大的貢獻(xiàn),但是中小企業(yè)在我國(guó)生存卻很艱難。這些生命力頑強(qiáng)的中小企業(yè)客戶群體,是銀行業(yè)金融機(jī)構(gòu)群雄逐鹿的重要群體。特別是城市商業(yè)銀行受規(guī)模有限、地域限制、監(jiān)管?chē)?yán)控和自身的公司治理等因素,發(fā)展小微企業(yè)更為迫切,對(duì)于小企業(yè)的融資服務(wù)模式創(chuàng)新需要更加及時(shí)和快速。在國(guó)內(nèi)金融體制改革、金融市場(chǎng)化、金融脫媒等體制機(jī)制再造的變革時(shí)期,如何有效的服務(wù)中小企業(yè),做強(qiáng)做精區(qū)域市場(chǎng),是城市商業(yè)銀行迫切需要解決的問(wèn)題。 本文的研究分為五個(gè)部分：第一部分對(duì)本文的研究背景和意義進(jìn)行了充分的論證,系統(tǒng)分析了當(dāng)前城市商業(yè)銀行發(fā)展小微企業(yè)的重要性、必要性和必然性；第二部分在對(duì)相關(guān)概念進(jìn)行界定的基礎(chǔ)上,明確了本文的研究對(duì)象小微企業(yè)的具體界定和劃分,進(jìn)一步對(duì)城市商業(yè)銀行創(chuàng)新小微企業(yè)融資服務(wù)模式的動(dòng)因進(jìn)行了分析,為城市商業(yè)銀行發(fā)展小微企業(yè),創(chuàng)新小微金融服務(wù)提供理論和現(xiàn)實(shí)支持；第三部分以CS銀行為例,針對(duì)CS銀行兩千多個(gè)小微企業(yè)客戶進(jìn)行了調(diào)查分析。在聘請(qǐng)專(zhuān)業(yè)咨詢(xún)機(jī)構(gòu)的基礎(chǔ)上,設(shè)計(jì)了詳盡的調(diào)查問(wèn)卷,并對(duì)調(diào)查結(jié)果進(jìn)行了統(tǒng)計(jì)和分析,從基本情況、經(jīng)營(yíng)現(xiàn)狀和融資現(xiàn)狀三個(gè)方面對(duì)小微企業(yè)經(jīng)營(yíng)特征和融資環(huán)境進(jìn)行了系統(tǒng)分析,為小微企業(yè)融資服務(wù)模式構(gòu)建提供數(shù)據(jù)支持；第四部分構(gòu)建了創(chuàng)新性的城市商業(yè)銀行小微企業(yè)融資服務(wù)模式。融資服務(wù)模式的目標(biāo)是為了做大做強(qiáng)區(qū)域市場(chǎng)內(nèi)城商行小微金融業(yè)務(wù)。具體實(shí)現(xiàn)上,城市商業(yè)銀行從組織結(jié)構(gòu)優(yōu)化、產(chǎn)品結(jié)構(gòu)創(chuàng)新和資源結(jié)構(gòu)優(yōu)化三個(gè)方面進(jìn)行了系統(tǒng)創(chuàng)新和重構(gòu),在組織結(jié)構(gòu)優(yōu)化上,借鑒和吸收民生銀行事業(yè)部制度改革的先進(jìn)經(jīng)驗(yàn),分行業(yè)成立行業(yè)金融部,在對(duì)行業(yè)進(jìn)行深入研究的基礎(chǔ)上,從行業(yè)規(guī)模、資產(chǎn)負(fù)債狀況、利潤(rùn)率等方面綜合考慮和設(shè)計(jì)金融產(chǎn)品,并設(shè)立專(zhuān)門(mén)的小微企業(yè)信貸服務(wù)部,為小微企業(yè)提供量身定制的服務(wù)；在產(chǎn)品結(jié)構(gòu)創(chuàng)新方面,對(duì)于抵押擔(dān)保、質(zhì)押擔(dān)保和信用貸款等方面進(jìn)行了全面創(chuàng)新,并開(kāi)發(fā)出長(zhǎng)湘貸等具有競(jìng)爭(zhēng)力的核心信貸產(chǎn)品；在資源結(jié)構(gòu)優(yōu)化方面,外部充分挖掘市民銀行的地位,整合城市商業(yè)銀行在區(qū)域內(nèi)的資源,內(nèi)部調(diào)整人力資源管理模式,對(duì)內(nèi)外部資源進(jìn)行重新整合。第五部分結(jié)合研究的基本內(nèi)容得出研究結(jié)論,并進(jìn)一步對(duì)本文的不足和進(jìn)一步研究方向進(jìn)行了討論。 本文的創(chuàng)新主要有：(1)研究視角創(chuàng)新。本文結(jié)合調(diào)查分析法和案例分析法,建立中小企業(yè)融資行業(yè)特征和需求特征的調(diào)查問(wèn)卷,委托專(zhuān)業(yè)機(jī)構(gòu)對(duì)CS銀行2460家中小企業(yè)客戶進(jìn)行了調(diào)查,并采用基本的數(shù)理統(tǒng)計(jì)方法對(duì)結(jié)果進(jìn)行了分析,為城市商業(yè)銀行總體發(fā)展戰(zhàn)略和業(yè)務(wù)發(fā)展思路提供了一個(gè)新的研究視角。(2)研究思路創(chuàng)新。本文以信息不對(duì)稱(chēng)理論、資產(chǎn)定價(jià)模型等理論分析為基礎(chǔ),采用調(diào)查研究、案例分析相結(jié)合的思路,構(gòu)建城市商業(yè)銀行小微企業(yè)融資服務(wù)模式,既是對(duì)中小企業(yè)融資模式的有益探索,也是對(duì)城市商業(yè)銀行核心競(jìng)爭(zhēng)力構(gòu)建的有效補(bǔ)充。
[Abstract]:According to the statistics of the world bank, in 2012, the development of 99.8%. SMEs in China's about 42000000 small and medium-sized enterprises occupied the total number of China's enterprises, which adapted to the current economic development trend of our country and made great contributions to the economic development of our country. However, the small and medium-sized enterprises are very difficult in our country. The industrial customer group is an important group in the banking financial institutions. In particular, it is more urgent for the urban commercial banks to develop small and micro enterprises by the factors such as limited scale, regional restrictions, strict control and their own corporate governance. The innovation of financing service mode for small enterprises needs to be more timely and fast. In the period of the reengineering of financial market, financial disintermediation and other institutional mechanisms, how to effectively serve small and medium-sized enterprises and do strong regional market is an urgent problem for urban commercial banks to solve.
The research of this article is divided into five parts: the first part makes a full demonstration of the background and significance of the study, and systematically analyzes the importance, necessity and inevitability of the current urban commercial banks' development of small and micro enterprises. The second part defines the research object of this article on the basis of the definition of the related concepts. Specific definition and division, further analysis of the motivation of the financing service mode of the urban commercial banks' innovative small and micro enterprises, and provide theoretical and practical support for the urban commercial banks to develop small and micro enterprises and innovate the small and micro financial services. The third part takes the CS bank as an example to investigate the more than 2000 small and micro enterprises customers of the Bank of CS. On the basis of hiring a professional advisory body, a detailed questionnaire is designed, and the results of the investigation are analyzed and analyzed. The management characteristics and financing environment of small and micro enterprises are systematically analyzed from the three aspects of basic situation, operation status and financing situation, which provide data support for the construction of financing service mode of small and micro enterprises. The fourth part constructs an innovative financing service model for small and micro enterprises in urban commercial banks. The goal of the financing service model is to make a big and strong regional market small and micro financial business in the inner city business. On the concrete realization, the urban commercial bank has carried out the system from three aspects: the organizational structure optimization, the product structure innovation and the resource structure optimization. Innovation and reconstruction, on the optimization of organizational structure, drawing on and absorbing the advanced experience of the reform of the Minsheng Bank system, the industry finance department is set up in the industry. Based on the in-depth study of the industry, the financial products are considered and designed from the aspects of the scale of the industry, the state of assets and liabilities, the rate of profit and so on, and a special small micro enterprise letter is set up. The loan service department provides customized services for small and micro enterprises. In the aspect of product structure innovation, we have made a comprehensive innovation on mortgage guarantee, pledge guarantee and credit loan, and developed a competitive core credit product, such as Xiang and loan, and fully excavate the status of the civil bank in the optimization of resource structure. According to the resources in the region, the urban commercial banks adjust the human resources management model and reintegrate the internal and external resources. The fifth part, combining the basic contents of the research, draws the conclusions of the research, and further discusses the shortage and further research direction of this paper.
The main innovations of this paper are: (1) the research perspective innovation. This paper, combining the investigation and analysis method and the case analysis method, establishes the questionnaire of the characteristics and demand characteristics of the SME financing industry, and entrusts the professional institutions to investigate the 2460 small and medium-sized enterprises of CS bank, and analyses the results by using the basic mathematical statistics method. The overall development strategy and business development ideas of city commercial banks have provided a new research perspective. (2) research ideas innovation. Based on the theory of information asymmetry, asset pricing model and other theoretical analysis, this paper uses investigation and case analysis to construct the financing service model of small and micro enterprises in City Commercial Banks. The beneficial exploration of SME financing mode is also an effective complement to the core competitiveness of city commercial banks.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F275;F276.3;F832.2

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本文編號(hào)：1940817