本文選題：商業(yè)銀行 + 小微信貸業(yè)務(wù)�。� 參考：《天津大學(xué)》2014年碩士論文

【摘要】：2011年6月,我國頒布《中小企業(yè)劃型標準規(guī)定》,對中小企業(yè)進行了具體劃分,明確表明國家的金融服務(wù)重心將向小微企業(yè)傾斜,并發(fā)布文件進一步指導(dǎo)和鼓勵金融機構(gòu)開展針對小微企業(yè)的信貸業(yè)務(wù)。小微企業(yè)在我國經(jīng)濟社會發(fā)展中發(fā)揮了重要作用,但是長期面臨嚴重的融資困境。商業(yè)銀行信貸是小微企業(yè)的主要融資渠道,而商業(yè)銀行開展小微信貸業(yè)務(wù)可以幫助商業(yè)銀行擺脫目前因“金融脫媒”和“利率市場化”帶來的利差收窄的困境,擴大商業(yè)銀行的收益,實現(xiàn)小微企業(yè)和商業(yè)銀行雙贏。本研究分析了我國目前主要商業(yè)銀行開展的小微信貸業(yè)務(wù)情況,基于DEA效率模型和博弈論分析結(jié)果,對我國商業(yè)銀行開展小微信貸業(yè)務(wù)提出針對性建議。本文共分為五部分,第一部分介紹了研究背景、意義,國內(nèi)外相關(guān)方面研究成果,提出本文的主要研究方法和內(nèi)容,總結(jié)創(chuàng)新點。第二部分對小微企業(yè)概念進行界定,并且介紹了理論分析工具:DEA效率模型和博弈論。第三部分總結(jié)了目前我國主要商業(yè)銀行開展小微信貸業(yè)務(wù)的情況,著重分析了較為成功的民生銀行“商貸通”業(yè)務(wù)。第四、五、六部分通過DEA效率模型對“信貸工廠”模式進行實證分析,并且構(gòu)建了聯(lián)合擔保動態(tài)博弈模型,提出我國商業(yè)銀行開展小微信貸業(yè)務(wù)需要努力做到以下幾點:提高對小微企業(yè)發(fā)展的認識、加強小微企業(yè)征信系統(tǒng)的建立和完善、建立專營機構(gòu)服務(wù)小微企業(yè)、建立獨立的審批機制、依托集群授信防控信貸風(fēng)險。這樣可以進一步提升我國商業(yè)銀行小微信貸業(yè)務(wù)規(guī)模和水平,支持小微企業(yè)做大做強,同時實現(xiàn)我國金融業(yè)的發(fā)展,提高經(jīng)濟社會發(fā)展水平。
[Abstract]:In June 2011, our country promulgated the Standard provisions for small and Medium-sized Enterprises (SMEs), which specifically divided small and medium-sized enterprises, and clearly indicated that the focus of national financial services will be tilted towards small and micro enterprises. And release documents to further guide and encourage financial institutions to develop small and micro-enterprise credit business. Small and micro enterprises play an important role in the economic and social development of our country, but they face serious financing difficulties for a long time. Commercial bank credit is the main financing channel for small and micro enterprises, and commercial banks can help commercial banks to get rid of the current "financial disintermediation" and "interest rate marketization" brought about by the narrow spread of interest. Enlarge the profit of commercial bank, realize small and micro enterprise and commercial bank win-win. Based on DEA efficiency model and the result of game theory, the paper puts forward some suggestions for the development of small and micro credit business in China's commercial banks. This paper is divided into five parts. The first part introduces the research background, significance, related research results at home and abroad, puts forward the main research methods and contents of this paper, summarizes the innovation points. The second part defines the concept of small and micro enterprises, and introduces the theoretical analysis tool: DEA efficiency model and game theory. The third part summarizes the situation that the main commercial banks of our country carry out the small and micro credit business at present, and emphatically analyzes the more successful "commercial loan" business of the Minsheng Bank. The fourth, fifth and sixth parts make empirical analysis on the "credit factory" model through DEA efficiency model, and construct the dynamic game model of joint guarantee. It is pointed out that the commercial banks of our country should make great efforts to do the following things: to improve the understanding of the development of small and micro enterprises, to strengthen the establishment and improvement of the credit information system of small and micro enterprises, and to set up specialized institutions to serve small and micro enterprises. Establish an independent examination and approval mechanism, relying on the cluster credit prevention and control of credit risk. In this way, we can further enhance the scale and level of the small and micro credit business of our commercial banks, support the small and micro enterprises to become bigger and stronger, at the same time realize the development of our financial industry and raise the level of economic and social development.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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