本文選題：城市商業(yè)銀行 + 小微企業(yè)��； 參考：《浙江大學(xué)》2017年碩士論文

【摘要】：在不斷變化的金融環(huán)境下,小微企業(yè)在我國(guó)經(jīng)濟(jì)中地位和作用不斷上升,但小微企業(yè)始終面臨著巨大的融資壓力,這已成為制約小微企業(yè)發(fā)展的首要瓶頸,小微企業(yè)面對(duì)經(jīng)營(yíng)資金流動(dòng)性要求高,行業(yè)競(jìng)爭(zhēng)激烈、成本壓力大、利潤(rùn)低等共性問(wèn)題,迫切需要金融機(jī)構(gòu)為其提供各類(lèi)綜合性金融服務(wù);而城市商業(yè)銀行因其發(fā)展定位的特點(diǎn)和內(nèi)在機(jī)制體制的差異化優(yōu)勢(shì),與小微企業(yè)金融需求具有高度適合性,本文在分析兩者內(nèi)在契合性基礎(chǔ)上,對(duì)兩者合作的關(guān)鍵要素——定價(jià)進(jìn)行了分析與討論。首先本文就貸款定價(jià)的國(guó)內(nèi)外研究成果以及傳統(tǒng)定價(jià)方法進(jìn)行了比較分析,其次闡述關(guān)系型貸款理論并提出城市商業(yè)銀行關(guān)系型貸款定價(jià)應(yīng)用的前提條件,最后結(jié)合關(guān)系型貸款隱性契約和重復(fù)談判的特點(diǎn),引進(jìn)關(guān)系租金,建立城市商業(yè)銀行對(duì)小微企業(yè)的關(guān)系型貸款定價(jià)模型,并對(duì)小微企業(yè)在快速成長(zhǎng)過(guò)程中對(duì)城市商業(yè)銀行的進(jìn)一步依賴(lài)情景而產(chǎn)生的關(guān)系租金效應(yīng)進(jìn)行實(shí)證分析。研究結(jié)果支持了關(guān)系型貸款定價(jià)模型中銀企關(guān)系可持續(xù)性的重要假設(shè)前提,進(jìn)一步說(shuō)明了關(guān)系型貸款定價(jià)模型在城市商業(yè)銀行對(duì)小微企業(yè)貸款定價(jià)運(yùn)用上的可行性;同時(shí)本文還提出城市商業(yè)銀行使用關(guān)系型貸款定價(jià)模型時(shí)相關(guān)機(jī)制體制、政策流程及系統(tǒng)建設(shè)方面提升與改善的建議,為關(guān)系型貸款定價(jià)方法在具體業(yè)務(wù)端落地應(yīng)用指明了方向。
[Abstract]:In the changing financial environment, the status and role of small and micro enterprises in China's economy is rising, but small and micro enterprises are always facing enormous financing pressure, which has become the primary bottleneck restricting the development of small and micro enterprises. Faced with the common problems of high liquidity, fierce competition, high cost pressure and low profit, small and micro enterprises urgently need financial institutions to provide comprehensive financial services for them. Urban commercial banks, because of their characteristics of development orientation and differential advantages of internal mechanism system, are highly suitable for the financial needs of small and micro enterprises. The paper analyzes and discusses the key element of the cooperation-pricing. Firstly, this paper makes a comparative analysis on the domestic and foreign research results of loan pricing and traditional pricing methods, and then expounds the relational loan theory and puts forward the preconditions for the application of relational loan pricing in urban commercial banks. Finally, according to the characteristics of recessive contract and repeated negotiation of relational loan, the relationship rent is introduced, and the pricing model of relational loan for small and micro enterprises by city commercial banks is established. This paper also makes an empirical analysis of the relationship rent effect caused by the situation of further dependence on urban commercial banks in the rapid growth of small and micro enterprises. The research results support the important assumptions of the relationship sustainability in the relationship loan pricing model, and further illustrate the feasibility of the relationship loan pricing model in the application of the small and micro enterprise loan pricing model in the city commercial banks. At the same time, this paper also puts forward some suggestions on how to promote and improve the system, policy process and system construction of city commercial banks when they use the relational loan pricing model. This paper points out the direction of the relational loan pricing method in the application of specific business end-to-ground application.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4

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