本文選題：中小銀行　切入點(diǎn)：服務(wù)創(chuàng)新　出處：《浙江大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來,我國經(jīng)濟(jì)的發(fā)展取得了舉世矚目的成就,我國能夠取得這樣的成就,小微企業(yè)擔(dān)負(fù)著重要的經(jīng)濟(jì)效益貢獻(xiàn)以及創(chuàng)新力推動的關(guān)鍵責(zé)任。小微企業(yè)作為經(jīng)濟(jì)發(fā)展的助推器和穩(wěn)定器,在吸納就業(yè),推動經(jīng)濟(jì)增長,滿足個性化的消費(fèi)需求,穩(wěn)定社會等方面來說都是發(fā)揮著日益重要的作用。但是小微企業(yè)(特別是微型企業(yè))本身具有固定資產(chǎn)占資產(chǎn)比重不高、運(yùn)營不規(guī)范、規(guī)模小、經(jīng)營風(fēng)險(xiǎn)高等特征,我國商業(yè)銀行對小微企業(yè)金融服務(wù)體系一直尚未完善,很難滿足小微企業(yè)的融資需求,阻礙了小微企業(yè)的健康穩(wěn)定發(fā)展。本文主要從中小銀行和小微企業(yè)發(fā)展現(xiàn)實(shí)出發(fā),在探究我國中小銀行創(chuàng)新服務(wù)現(xiàn)狀、問題和小微企業(yè)融資困境及其成因的基礎(chǔ)上,從小微企業(yè)、政府、銀行三個層面分析我國小微企業(yè)融資難的原因展開探索,深入探討小微企業(yè)融資困境的現(xiàn)存問題,并切入湖州銀行案例,分析小微企業(yè)融資的創(chuàng)新手段、經(jīng)驗(yàn)總結(jié)、問題困境。最后,從金融創(chuàng)新和政策保障方面提出解決小微企業(yè)融資困境的解決方法。研究表明,金融創(chuàng)新是促進(jìn)商業(yè)銀行不斷發(fā)展、持續(xù)向前的重要動力,中小銀行要進(jìn)一步加強(qiáng)小微企業(yè)貸款的自身建設(shè),改革創(chuàng)新制度管理建設(shè),才能最大程度地改善小微企業(yè)融資困境。中小銀行的創(chuàng)新要求集中在于簡化申請程序,提高審批效率,建立適應(yīng)小微企業(yè)的信用審核機(jī)制,采用更加靈活的授信政策,靈活安排用款、還款時(shí)間,提供長期資金支持和綜合性金融服務(wù),降低融資成本。另外,政府部門也應(yīng)當(dāng)通過差異化監(jiān)管,完善法律法規(guī)體系,建立和完善企業(yè)信用擔(dān)保體系,強(qiáng)化財(cái)稅有效支持力度,創(chuàng)建良好的金融發(fā)展環(huán)境等方面努力,共同推進(jìn)小微企業(yè)金融改革創(chuàng)新。本文采用宏觀與微觀分析相結(jié)合、系統(tǒng)研究法、案例分析法和文獻(xiàn)研究法等研究方法,通過創(chuàng)新中小銀行服務(wù)質(zhì)量和內(nèi)容,幫助我國小微企業(yè)立足于提高企業(yè)自身素質(zhì)的基礎(chǔ)上,有針對性提出中小銀行支持小微企業(yè)發(fā)展的切實(shí)可性的對策建議,探索中小銀行與小微企業(yè)雙贏發(fā)展的共生機(jī)制,對解決銀企信息不對稱、創(chuàng)新現(xiàn)有融資制度具有較好的參考意義和實(shí)踐意義。本文的創(chuàng)新之處是通過小微企業(yè)融資和商業(yè)銀行對小微企業(yè)金融服務(wù)相關(guān)理論等多種相關(guān)理論對本文的理論框架做了垂直遞進(jìn)式的分析,從小微企業(yè)、政府、銀行三個層面分析我國小微企業(yè)融資難的原因則顯得更為全面。難點(diǎn)與不足之處在于在實(shí)際研究過程中,有關(guān)小微企業(yè)融資現(xiàn)狀的最新、權(quán)威且全面的數(shù)據(jù)難以有效獲得。由于各地小微企業(yè)存在較多差異,湖州銀行發(fā)展時(shí)間較短,經(jīng)營管理水平不高,以湖州銀行為案例進(jìn)行分析研究不夠系統(tǒng)和全面。
[Abstract]:Since the reform and opening up, China's economic development has made remarkable achievements, and China has been able to achieve such achievements. As a booster and stabilizer of economic development, small and micro enterprises are attracting employment, promoting economic growth, and satisfying individual consumer demand. Stabilization of society is playing an increasingly important role. But small and micro enterprises (especially micro enterprises) have the characteristics of low proportion of fixed assets to assets, non-standard operation, small scale and high operating risks, etc. The financial service system of Chinese commercial banks to small and micro enterprises has not been perfect, it is very difficult to meet the financing needs of small and micro enterprises, which hinders the healthy and stable development of small and micro enterprises. This paper mainly starts from the reality of the development of small and medium-sized banks and small and micro enterprises. On the basis of probing into the present situation, problems and financing difficulties of small and medium-sized banks in China, this paper analyzes the reasons for the difficulties in financing of small and micro enterprises from three aspects: small and micro enterprises, government and banks. Deeply discuss the existing problems of financing dilemma of small and micro enterprises, and cut into the case of Huzhou Bank, analyze the innovative means, experience summary, problem dilemma of financing of small and micro enterprises. From the aspects of financial innovation and policy guarantee, the paper puts forward the solution to the financing dilemma of small and micro enterprises. The research shows that financial innovation is an important driving force to promote the continuous development and sustainable development of commercial banks. In order to improve the financing difficulties of small and medium-sized enterprises, small and medium-sized banks should further strengthen their own construction of loans for small and micro enterprises and reform and innovate the management of their institutions. The innovation requirements of small and medium-sized banks are focused on simplifying the application procedures. To improve the efficiency of examination and approval, to establish a credit audit mechanism suitable for small and micro enterprises, to adopt more flexible credit policies, to flexibly arrange the use of funds, to make repayment time, to provide long-term financial support and comprehensive financial services, and to reduce the financing costs. Government departments should also strive to improve the system of laws and regulations, establish and perfect the credit guarantee system of enterprises, strengthen the effective support of finance and taxation, and create a good financial development environment. In this paper, we adopt the combination of macro and micro analysis, systematic research, case analysis and literature research to innovate the service quality and content of small and medium-sized banks. On the basis of helping the small and micro enterprises to improve their own quality, the paper puts forward some practical countermeasures and suggestions to support the development of small and medium-sized enterprises, and probes into the symbiotic mechanism of the win-win development between small and medium-sized banks and small and micro enterprises. To solve the problem of information asymmetry between banks and enterprises, The innovation of this paper is based on the theories of small and micro enterprises financing and commercial banks' financial services to small and micro enterprises. The frame is analyzed in a vertical progressive way. It is more comprehensive to analyze the reasons for the difficulty in financing small and micro enterprises in China from three aspects: small and micro enterprises, government and banks. The difficulties and shortcomings lie in the latest situation of financing of small and micro enterprises in the process of actual research. It is difficult to obtain the authoritative and comprehensive data effectively. Due to the existence of many differences in local small and micro enterprises, the development time of Huzhou Bank is relatively short, the management level is not high, and the case study of Huzhou Bank is not systematic and comprehensive.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F276.3

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