本文選題：金融機構 + 金融服務��； 參考：《河北大學》2017年碩士論文

【摘要】：河北省安國市是我國最大的中藥材集散地和中藥文化發(fā)祥地之一,素以“藥都”和“天下第一藥市”享譽海內(nèi)外。然而當?shù)氐闹兴幤髽I(yè)卻都是中小型企業(yè)。近些年,雖然中國中藥市場呈現(xiàn)較良好的發(fā)展勢頭,可是當?shù)刂兴幤髽I(yè)依然飽受資金短缺的困擾,當?shù)亟鹑跈C構提供給中藥企業(yè)的服務依然十分有限。我們設計了兩份調(diào)查問卷,分別向金融機構了解其放貸情況、產(chǎn)品研發(fā)、面臨困難等情況,再向中藥中小企業(yè)了解其基本情況、經(jīng)營現(xiàn)狀、融資狀況以及對現(xiàn)有的金融服務的反饋意見等。繼而有針對性的選取了11家中藥中小企業(yè)和6家金融機構進行實地走訪和事后電話訪談。論文分五部分,第一章為緒論,主要對論文的研究背景、研究意義和國內(nèi)外研究現(xiàn)狀做了簡要介紹;第二章為調(diào)研計劃構思,對本次調(diào)研流程做出介紹;第三章將問卷調(diào)查、實地走訪和電話訪談的結(jié)果分為兩類做了詳細統(tǒng)計。首先對金融機構向中藥中小企業(yè)提供金融服務的現(xiàn)狀做了詳細統(tǒng)計,其次對中藥中小企業(yè)自身發(fā)展現(xiàn)狀和其對金融機構提供服務的反饋情況做了詳細統(tǒng)計;第四章根據(jù)調(diào)研結(jié)果對安國市金融機構服務中藥中小企業(yè)的過程中存在的問題展開了詳細分析。我們發(fā)現(xiàn)中藥企業(yè)信用貸款業(yè)務是被當?shù)亟鹑跈C構忽視的一大業(yè)務領域,其實存在很大的發(fā)展前景。其次,當?shù)刭J款業(yè)務發(fā)展水平也有待提升,以便于市場需求更加切合;第五章從金融機構改善自身和互相聯(lián)合兩方面提出了針對性建議,例如以高新技術中藥企業(yè)投資項目為標的,將期權融入銀、保、企合作模式之中,實現(xiàn)風險共擔。最后在文章末尾對此次調(diào)研成果做出了匯總,期待通過金融機構的改革創(chuàng)新,有效解決當?shù)刂兴幹行∑髽I(yè)融資難的問題。
[Abstract]:Anguo City in Hebei Province is one of the largest distribution centers of traditional Chinese medicine and one of the birthplaces of Chinese traditional medicine culture. It is famous at home and abroad for its "medicine capital" and "the first medicine city in the world". However, local Chinese medicine enterprises are small and medium-sized enterprises. In recent years, although the Chinese traditional medicine market presents a good momentum of development, but the local traditional Chinese medicine enterprises are still suffering from the shortage of funds, local financial institutions to provide services to traditional Chinese medicine enterprises are still very limited. We designed two questionnaires to ask financial institutions about their lending, product development, difficulties and so on, and then to learn about the basic situation and the current business situation of small and medium-sized Chinese medicine enterprises. Financing status and feedback on existing financial services. Then selected 11 drug SMEs and 6 financial institutions for field visits and post-telephone interviews. The thesis is divided into five parts, the first chapter is the introduction, mainly on the research background, research significance and domestic and foreign research status; the second chapter is the concept of the research plan, the introduction of the research process; the third chapter will be questionnaire survey, The results of field visits and telephone interviews are divided into two categories: detailed statistics. Firstly, it makes detailed statistics on the current situation of financial institutions providing financial services to SMEs, and then makes detailed statistics on the status quo of SMEs' own development and feedback on the services provided by financial institutions. The fourth chapter analyzes the problems in the process of financial institutions serving SMEs in Anguo City. We find that the credit loan business of traditional Chinese medicine enterprises is a big business field neglected by local financial institutions, in fact, there is a great development prospect. Secondly, the development level of local loan business also needs to be improved so as to make the market more relevant. Chapter five puts forward targeted recommendations from the two aspects of financial institutions' improvement and mutual association. For example, taking the investment project of high-tech Chinese medicine enterprise as the target, the option is integrated into the cooperation mode of silver, insurance and enterprise, and the risk sharing is realized. At the end of the article, the author summarizes the research results and looks forward to effectively solving the financing difficulties of local Chinese medicine SMEs through the reform and innovation of financial institutions.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F426.72;F832.7

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