綿陽市商業(yè)銀行科技支行發(fā)展戰(zhàn)略研究
發(fā)布時間：2018-07-29 17:17
【摘要】：中小型科技企業(yè)已成為推動我國經(jīng)濟發(fā)展,促進產(chǎn)業(yè)轉(zhuǎn)型升級的重要力量。在十一屆全國人民代表大會第三次會議政府工作報告中,溫家寶總理明確提出要“大力培育戰(zhàn)略性新興產(chǎn)業(yè);進一步促進中小企業(yè)發(fā)展;加強對中小企業(yè)金融支持”。在可以向中小企業(yè)發(fā)展提供金融支持的機構(gòu)中,銀行占據(jù)最為關(guān)鍵的位置,在培育戰(zhàn)略性新興產(chǎn)業(yè)中起觸發(fā)和加速的關(guān)鍵作用。我國的科技型中小企業(yè)的融資難,融資成本高等問題早已成為了制約科技型中小企業(yè)發(fā)展,科技成果有效轉(zhuǎn)化的突出矛盾,為有效促進這一問題的解決,在中國科技部、中國人民銀行、中國銀監(jiān)會等的有效推動下,多地積極創(chuàng)新科技金融服務(wù)手段,其中成立科技專營銀行機構(gòu)的做法較為常見。我國成立較早的科技支行分別有:2009年1月成立的成都銀行科技支行和建行成都科技支行;2009年7月成立的杭州銀行科技支行,之后陸續(xù)成立的科技支行還包括有包括農(nóng)行無錫科技支行、平安銀行深圳科技支行等。除了大量設(shè)立的科技支行,第一家具有法人資質(zhì)的科技銀行是浦發(fā)銀行和美國硅谷銀行各出資50%于2012年設(shè)立的浦發(fā)硅谷銀行。我國成立的科技銀行(支行)雖然有效支撐了科技型中小企業(yè)的發(fā)展,但是企業(yè)融資難問題仍然大量存在�？萍夹推髽I(yè)在發(fā)展過程中仍然面臨著很多的問題。如何務(wù)實的服務(wù)科技型企業(yè),在風(fēng)險可控的前體下加大對科技型中小企業(yè)的支持,同時增加銀行的收益是迫切需要思考和解決的問題。本文以綿陽市商業(yè)銀行科技支行為研究對象,著重分析了四川及綿陽地區(qū)經(jīng)濟發(fā)展環(huán)境,重點引入四川省內(nèi)科技支行的運行數(shù)據(jù)及綿陽市商業(yè)銀行科技支行的發(fā)展數(shù)據(jù),指出綿陽市商業(yè)銀行科技支行發(fā)展中的優(yōu)劣勢、機遇及挑戰(zhàn),以美國硅谷銀行發(fā)展模式做參考,最終提出進一步支持綿陽市商業(yè)銀行科技支行發(fā)展的策略建議。本文的討論和研究采用了定量和定性相結(jié)合,比較分析、實證分析相結(jié)合的方法。整個研究內(nèi)容分為六個部分:第一章引言。闡述了本次研究的背景,研究的基礎(chǔ)、介紹了省內(nèi)8家科技支行發(fā)展情況,以及國內(nèi)外研究現(xiàn)狀和本研究選題的必要性。介紹了科技銀行發(fā)展的理論研究。第二章重點分析了綿陽市商業(yè)銀行科技支行發(fā)展面臨的機遇。第三章主要闡述了綿陽市商業(yè)銀行科技支行發(fā)展面臨的挑戰(zhàn)。第四章指出綿陽市商業(yè)銀行科技支行發(fā)展的優(yōu)勢。第五章指出綿陽市商業(yè)銀行科技支行發(fā)展的劣勢。第六章給出了綿陽市商業(yè)銀行科技支行發(fā)展策略研究。以美國硅谷銀行的發(fā)展策略為例,進而提出促進綿陽市商業(yè)銀行科技發(fā)展策略的建議。
[Abstract]:Small and medium-sized science and technology enterprises have become an important force to promote economic development and promote industrial transformation and upgrading. In the government work report of the third session of the 11th National people's Congress, Premier Wen Jiabao clearly proposed that "vigorously cultivate strategic emerging industries; further promote the development of small and medium-sized enterprises; and strengthen financial support for small and medium-sized enterprises". Among the institutions that can provide financial support for the development of small and medium-sized enterprises, banks occupy the most critical position and play a key role in triggering and accelerating the development of strategic emerging industries. In order to effectively promote the solution of this problem, the problems such as the difficulty of financing and the high cost of financing have already become the prominent contradiction that restricts the development of the small and medium-sized technological enterprises and the effective transformation of the scientific and technological achievements, in order to effectively promote the solution of this problem, the Ministry of Science and Technology of China, With the effective promotion of the people's Bank of China and the China Banking Regulatory Commission, many of them actively innovate the means of scientific and technological financial services, among which the practice of setting up specialized banking institutions in science and technology is more common. The scientific and technological branches established earlier in China are: the Science and Technology Branch of Chengdu Bank and the Chengdu Science and Technology Branch of China Construction Bank, established in January 2009, and the Science and Technology Branch of Hangzhou Bank, established in July 2009. After the establishment of science and technology sub-branches including the Agricultural Bank of Wuxi Science and Technology Branch, Ping an Bank of Shenzhen Science and Technology Branch, and so on. In addition to the large number of technology branches, the first technology bank with legal personality is Pudong Development Bank and Silicon Valley Bank of the United States 50 percent each set up in 2012 Pufa Silicon Valley Bank. Although the science and technology bank (branch) established in China has effectively supported the development of science and technology small and medium-sized enterprises, the financing difficulties of enterprises still exist in a large number. Science and technology enterprises still face a lot of problems in the process of development. It is urgent to consider and solve the problem of how to practically serve the sci-tech enterprises, increase the support to the small and medium-sized sci-tech enterprises under the precursor of controllable risk, and increase the profits of the banks at the same time. Based on the research object of science and technology branch behavior of Mianyang commercial bank, this paper analyzes the economic development environment of Sichuan and Mianyang area, and introduces the operation data of science and technology branch in Sichuan province and the development data of science and technology branch of Mianyang commercial bank. This paper points out the advantages and disadvantages, opportunities and challenges in the development of the science and technology branch of Mianyang City Commercial Bank, taking the development model of Silicon Valley Bank of America as the reference, and finally puts forward some strategic suggestions to further support the development of the science and technology branch of Mianyang City Commercial Bank. In this paper, quantitative and qualitative analysis, comparative analysis and empirical analysis are used. The whole research is divided into six parts: the first chapter is the introduction. This paper expounds the background and foundation of this research, and introduces the development of 8 branches of science and technology in the province, as well as the present research situation at home and abroad and the necessity of this research topic. This paper introduces the theoretical research on the development of science and technology bank. The second chapter focuses on the development of Mianyang City Commercial Bank Science and Technology Branch opportunities. The third chapter mainly elaborated the Mianyang commercial bank science and technology branch development to face the challenge. The fourth chapter points out the advantages of Mianyang Commercial Bank's development of science and technology branch. The fifth chapter points out the disadvantage of Mianyang Commercial Bank's development of science and technology branch. The sixth chapter gives the Mianyang commercial bank science and technology branch development strategy research. Taking the development strategy of Silicon Valley Bank of America as an example, the paper puts forward some suggestions to promote the development of science and technology in Mianyang City Commercial Bank.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F272
本文編號：2153420
[Abstract]:Small and medium-sized science and technology enterprises have become an important force to promote economic development and promote industrial transformation and upgrading. In the government work report of the third session of the 11th National people's Congress, Premier Wen Jiabao clearly proposed that "vigorously cultivate strategic emerging industries; further promote the development of small and medium-sized enterprises; and strengthen financial support for small and medium-sized enterprises". Among the institutions that can provide financial support for the development of small and medium-sized enterprises, banks occupy the most critical position and play a key role in triggering and accelerating the development of strategic emerging industries. In order to effectively promote the solution of this problem, the problems such as the difficulty of financing and the high cost of financing have already become the prominent contradiction that restricts the development of the small and medium-sized technological enterprises and the effective transformation of the scientific and technological achievements, in order to effectively promote the solution of this problem, the Ministry of Science and Technology of China, With the effective promotion of the people's Bank of China and the China Banking Regulatory Commission, many of them actively innovate the means of scientific and technological financial services, among which the practice of setting up specialized banking institutions in science and technology is more common. The scientific and technological branches established earlier in China are: the Science and Technology Branch of Chengdu Bank and the Chengdu Science and Technology Branch of China Construction Bank, established in January 2009, and the Science and Technology Branch of Hangzhou Bank, established in July 2009. After the establishment of science and technology sub-branches including the Agricultural Bank of Wuxi Science and Technology Branch, Ping an Bank of Shenzhen Science and Technology Branch, and so on. In addition to the large number of technology branches, the first technology bank with legal personality is Pudong Development Bank and Silicon Valley Bank of the United States 50 percent each set up in 2012 Pufa Silicon Valley Bank. Although the science and technology bank (branch) established in China has effectively supported the development of science and technology small and medium-sized enterprises, the financing difficulties of enterprises still exist in a large number. Science and technology enterprises still face a lot of problems in the process of development. It is urgent to consider and solve the problem of how to practically serve the sci-tech enterprises, increase the support to the small and medium-sized sci-tech enterprises under the precursor of controllable risk, and increase the profits of the banks at the same time. Based on the research object of science and technology branch behavior of Mianyang commercial bank, this paper analyzes the economic development environment of Sichuan and Mianyang area, and introduces the operation data of science and technology branch in Sichuan province and the development data of science and technology branch of Mianyang commercial bank. This paper points out the advantages and disadvantages, opportunities and challenges in the development of the science and technology branch of Mianyang City Commercial Bank, taking the development model of Silicon Valley Bank of America as the reference, and finally puts forward some strategic suggestions to further support the development of the science and technology branch of Mianyang City Commercial Bank. In this paper, quantitative and qualitative analysis, comparative analysis and empirical analysis are used. The whole research is divided into six parts: the first chapter is the introduction. This paper expounds the background and foundation of this research, and introduces the development of 8 branches of science and technology in the province, as well as the present research situation at home and abroad and the necessity of this research topic. This paper introduces the theoretical research on the development of science and technology bank. The second chapter focuses on the development of Mianyang City Commercial Bank Science and Technology Branch opportunities. The third chapter mainly elaborated the Mianyang commercial bank science and technology branch development to face the challenge. The fourth chapter points out the advantages of Mianyang Commercial Bank's development of science and technology branch. The fifth chapter points out the disadvantage of Mianyang Commercial Bank's development of science and technology branch. The sixth chapter gives the Mianyang commercial bank science and technology branch development strategy research. Taking the development strategy of Silicon Valley Bank of America as an example, the paper puts forward some suggestions to promote the development of science and technology in Mianyang City Commercial Bank.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F272
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