本文關(guān)鍵詞：JN銀行科技型中小企業(yè)信貸業(yè)務(wù)發(fā)展策略研究　出處：《南京理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：商業(yè)銀行發(fā)展科技型中小企業(yè)信貸業(yè)務(wù),不僅有利于緩解科技型中小企業(yè)融資困境,促進(jìn)科技型中小企業(yè)的成長(zhǎng),也有利于銀行擺脫同質(zhì)化競(jìng)爭(zhēng),創(chuàng)造新的利潤(rùn)增長(zhǎng)點(diǎn),實(shí)現(xiàn)戰(zhàn)略轉(zhuǎn)型。本文站在商業(yè)銀行的角度,采用文獻(xiàn)歸納法、經(jīng)驗(yàn)總結(jié)法,以及理論與實(shí)際相結(jié)合等方法,對(duì)JN銀行發(fā)展科技型中小企業(yè)信貸業(yè)務(wù)問(wèn)題進(jìn)行了研究。本文首先從常州市商業(yè)銀行對(duì)科技型中小企業(yè)的支持現(xiàn)狀、科技型中小企業(yè)融資需求的特點(diǎn)以及銀行操作科技型中小企業(yè)貸款的難點(diǎn)等方面分析了常州市科技型中小企業(yè)信貸融資的現(xiàn)狀,幫助JN銀行看清科技型中小企業(yè)信貸業(yè)務(wù)市場(chǎng)存在的巨大潛力及挑戰(zhàn)。然后,對(duì)JN銀行科技型中小企業(yè)信貸業(yè)務(wù)開展現(xiàn)狀進(jìn)行了調(diào)研與分析,探討了其業(yè)務(wù)發(fā)展中存在的問(wèn)題,并進(jìn)一步研究了JN銀行發(fā)展科技型中小企業(yè)信貸業(yè)務(wù)的內(nèi)外部條件。接著,梳理、分析和總結(jié)國(guó)內(nèi)外銀行開展科技型中小企業(yè)信貸業(yè)務(wù)的先進(jìn)經(jīng)驗(yàn),并得出對(duì)JN銀行發(fā)展科技型中小企業(yè)信貸業(yè)務(wù)的啟示。最后,從目標(biāo)定位、組織管理、業(yè)務(wù)流程、產(chǎn)品服務(wù)和風(fēng)險(xiǎn)防控等方面,提出JN銀行發(fā)展科技型中小企業(yè)信貸業(yè)務(wù)的策略。
[Abstract]:Commercial banks to develop the credit business of small and medium-sized technological enterprises, not only help to alleviate the financing difficulties of small and medium-sized technological enterprises, promote the growth of small and medium-sized technological enterprises, but also help banks get rid of the homogeneous competition. To create a new profit growth point to achieve strategic transformation. This paper stands in the perspective of commercial banks, using the method of literature induction, empirical summary, and the combination of theory and practice. JN Bank to develop the credit business of small and medium-sized technological enterprises was studied. Firstly, this paper from Changzhou City Commercial Bank to support the status quo of small and medium-sized technology-based enterprises. The characteristics of financing demand of science and technology SMEs and the difficulties of bank operation in financing of science and technology SMEs are analyzed from the aspects of the present situation of credit financing of science and technology SMEs in Changzhou. Help JN bank to see the huge potential and challenge of the credit business market of small and medium-sized technology-based enterprises. Then, the research and analysis of the status quo of credit business of high-tech SMEs in JN bank are carried out. This paper discusses the problems existing in the development of its business, and further studies the internal and external conditions for JN Bank to develop the credit business of small and medium-sized technological enterprises. This paper analyzes and summarizes the advanced experience of domestic and foreign banks in developing the credit business of science and technology SMEs, and draws the enlightenment to JN bank to develop the credit business of science and technology small and medium-sized enterprises. Finally, from the goal orientation, the organization management. In the aspects of business process, product service and risk prevention and control, this paper puts forward the strategy of JN bank to develop the credit business of small and medium sized enterprises based on science and technology.
【學(xué)位授予單位】：南京理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3
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本文編號(hào)：1360450