發(fā)布時(shí)間：2018-06-17 00:35

  本文選題：X銀行 + 商業(yè)銀行　； 參考：《西南交通大學(xué)》2014年碩士論文

【摘要】：隨著利率市場(chǎng)化改革、金融脫媒和新技術(shù)運(yùn)用等給傳統(tǒng)商業(yè)銀行經(jīng)營(yíng)帶來(lái)的機(jī)遇和挑戰(zhàn),小微企業(yè)金融業(yè)務(wù)以其龐大的市場(chǎng)需求、高利差收益和低資本占用,越來(lái)越受到國(guó)內(nèi)銀行的普遍親睞。國(guó)內(nèi)外學(xué)者都對(duì)小微企業(yè)金融業(yè)務(wù)問(wèn)題進(jìn)行了既有廣度又有深度的研究,認(rèn)為信息不對(duì)稱、小微企業(yè)管理不規(guī)范、金融制度和結(jié)構(gòu)滯后、信用擔(dān)保體系不健全以及政府行為都是導(dǎo)致小微企業(yè)金融業(yè)務(wù)難以開展的原因,針對(duì)這些問(wèn)題,國(guó)內(nèi)學(xué)者也提出了適用于實(shí)踐的政策建議。但現(xiàn)有文獻(xiàn)大都立足于政府對(duì)小微企業(yè)的支持、擔(dān)保體系和金融服務(wù)體系構(gòu)建等方面的作用,并沒有研究作為小微企業(yè)金融業(yè)務(wù)的實(shí)施主體商業(yè)銀行的重要性。本文將從X銀行的角度出發(fā)研究我國(guó)的小微企業(yè)金融業(yè)務(wù)問(wèn)題,這對(duì)于全面了解小微企業(yè)金融業(yè)務(wù),促進(jìn)我國(guó)小微企業(yè)金融業(yè)務(wù)的創(chuàng)新及可持續(xù)性發(fā)展都很有意義。本文的研究,對(duì)其他商業(yè)銀行在小微企業(yè)金融業(yè)務(wù)的未來(lái)發(fā)展,也具有一定的借鑒與參考意義。本文根據(jù)國(guó)內(nèi)外金融行業(yè)歷年來(lái)對(duì)小微企業(yè)金融業(yè)務(wù)的研究與實(shí)踐,運(yùn)用比較成型的戰(zhàn)略管理論以及相關(guān)的分析方法,分析了X銀行小微企業(yè)金融業(yè)務(wù)的外部、內(nèi)部環(huán)境,總結(jié)出了X銀行小微企業(yè)金融業(yè)務(wù)面臨的機(jī)遇、威脅以及內(nèi)部的優(yōu)勢(shì)、劣勢(shì),采用SWOT分析模型,分析得出了X銀行小微企業(yè)金融業(yè)務(wù)可以采取的戰(zhàn)略,而后結(jié)合x銀行的實(shí)力以及x銀行小微企業(yè)金融業(yè)務(wù)的戰(zhàn)略發(fā)展目標(biāo),提出了x銀行小微企業(yè)金融業(yè)務(wù)的具體戰(zhàn)略實(shí)施方案。
[Abstract]:With the interest rate marketization reform, financial disintermediation and the application of new technology bring opportunities and challenges to the operation of traditional commercial banks, the financial business of small and micro enterprises has its huge market demand, high interest rate difference income and low capital occupation. More and more popular among domestic banks. Scholars both at home and abroad have carried out both breadth and depth research on the financial business of small and micro enterprises. They think that information asymmetry, non-standard management of small and micro enterprises, financial system and structure lag behind. The imperfect credit guarantee system and the government behavior are the reasons why the financial business of small and micro enterprises is difficult to carry out. In view of these problems, domestic scholars have also put forward some policy suggestions suitable for practice. However, most of the existing literatures are based on the support of the government to the small and micro enterprises, the role of the guarantee system and the construction of the financial service system, and there is no research on the importance of the commercial banks as the main implementing body of the financial business of the small and micro enterprises. This paper will study the financial business of small and micro enterprises in China from the angle of X bank, which is of great significance to understand the financial business of small and micro enterprises and to promote the innovation and sustainable development of financial business of small and micro enterprises in our country. The research in this paper has some reference significance for the future development of other commercial banks in the small and micro enterprise financial business. Based on the research and practice of financial business of small and micro enterprises at home and abroad over the years, this paper analyzes the external and internal environment of financial business of small and micro enterprises in X Bank by using the relatively formed strategic management theory and related analysis methods. This paper summarizes the opportunities, threats, internal advantages and disadvantages faced by the small and micro enterprises of X Bank. The SWOT analysis model is used to analyze the strategies that can be adopted in the financial business of the small and micro enterprises of X Bank. Then combining the strength of X bank and the strategic development goal of financial business of small and micro enterprise of x bank, the paper puts forward the specific strategic implementation plan of financial business of small and micro enterprise of x bank.
【學(xué)位授予單位】：西南交通大學(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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