本文關(guān)鍵詞：建設(shè)銀行中小企業(yè)“信貸工廠”融資模式研究　出處：《南昌大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 中小企業(yè) 融資模式 創(chuàng)新

【摘要】：眾所周知，隨著息差不斷收窄、同業(yè)競(jìng)爭(zhēng)日益加劇，商業(yè)銀行未來(lái)盈利壓力將進(jìn)一步加大。在經(jīng)歷了金融危機(jī)和實(shí)體經(jīng)濟(jì)的衰退之后，在復(fù)雜多變的市場(chǎng)環(huán)境下，建設(shè)銀行如何應(yīng)對(duì)挑戰(zhàn)，尋找新的利潤(rùn)增長(zhǎng)點(diǎn)，是一個(gè)迫在眉睫的課題。而作為我國(guó)經(jīng)濟(jì)增長(zhǎng)生力軍的中小企業(yè)，潛藏著巨大的生機(jī)，中小企業(yè)客戶群體是一座亟待挖掘的金礦，具有廣闊的發(fā)展前景，但卻一直受到貸款難問(wèn)題的困擾。 建設(shè)銀行從戰(zhàn)略的高度認(rèn)識(shí)中小企業(yè)客戶群體對(duì)建行未來(lái)發(fā)展的重大意義，把握先機(jī)，搶占中小企業(yè)信貸高地，以實(shí)現(xiàn)可持續(xù)發(fā)展。早在2005年，建行開(kāi)始與美國(guó)銀行、淡馬錫（亞洲金融）等進(jìn)行戰(zhàn)略性合作，以期分享其技術(shù)與經(jīng)驗(yàn)。在經(jīng)營(yíng)理念、管理手段、業(yè)務(wù)流程、風(fēng)險(xiǎn)控制、產(chǎn)品支持、激勵(lì)考核等方面進(jìn)行了深入研究和創(chuàng)新，形成了一套較為成熟完善的業(yè)務(wù)模式。 與傳統(tǒng)的信貸審批模式相比，建設(shè)銀行采取的“信貸工廠”模式推行“五個(gè)集中”，即：集中批量化營(yíng)銷(xiāo)、集中抵質(zhì)押登記管理、集中放款管理、集中非現(xiàn)場(chǎng)監(jiān)測(cè)管理、集中檔案管理�！靶刨J工廠”的推廣極大的豐富了建行的信貸品種和模式，使建行迅速在中小企業(yè)融資服務(wù)市場(chǎng)打開(kāi)局面，贏得了市場(chǎng)份額。 但2013年以來(lái)，全球經(jīng)濟(jì)出現(xiàn)了積極的變化，但復(fù)蘇的基礎(chǔ)依然薄弱，經(jīng)濟(jì)低增長(zhǎng)的態(tài)勢(shì)仍將延續(xù)，國(guó)內(nèi)經(jīng)濟(jì)深層次矛盾依然突出，經(jīng)濟(jì)下行壓力和產(chǎn)能過(guò)剩的矛盾有所加劇，企業(yè)生產(chǎn)成本上升和創(chuàng)新能力不足的問(wèn)題并存，財(cái)政收入增速放緩和政府剛性支出增加的矛盾凸顯，消化產(chǎn)能過(guò)剩和穩(wěn)定就業(yè)之間存在的兩難選擇，諸多因素對(duì)經(jīng)濟(jì)持續(xù)發(fā)展帶來(lái)了嚴(yán)峻的考驗(yàn)，受外部宏觀經(jīng)濟(jì)環(huán)境影響，經(jīng)濟(jì)增速持續(xù)低緩，金融脫媒加劇，企業(yè)融資渠道多元化，對(duì)銀行資金依賴(lài)度降低，部分企業(yè)通過(guò)其他渠道獲得低成本融資提前償還銀行貸款，部分中小企業(yè)貸款質(zhì)量下滑，民營(yíng)企業(yè)風(fēng)險(xiǎn)暴露趨勢(shì)加快，有效需求不足，對(duì)公貸款投放和中間業(yè)務(wù)收入增長(zhǎng)壓力巨大。現(xiàn)有的融資模式在運(yùn)行近9年后，不得不把面臨著改革和創(chuàng)新的時(shí)代競(jìng)爭(zhēng)中。 論文主要從國(guó)內(nèi)外學(xué)者關(guān)于中小企業(yè)融資理論出發(fā)，結(jié)合國(guó)內(nèi)學(xué)者對(duì)銀行為中小企業(yè)融資模式創(chuàng)新研究的基礎(chǔ)上，綜合考慮中小企業(yè)融資遇到的問(wèn)題以及融資需求，對(duì)比國(guó)內(nèi)外銀行中小企業(yè)融資模式，運(yùn)用理論結(jié)合實(shí)際的方法，以建設(shè)銀行中小企業(yè)“信貸工廠”為例，重點(diǎn)研究該模式的創(chuàng)新點(diǎn)與存在的問(wèn)題，并對(duì)該模式提出完善對(duì)策，以促進(jìn)銀行融資模式的創(chuàng)新以及破解中小企業(yè)融資難題。 首先是闡明了論文的選題依據(jù)、研究的目的和意義、研究的主要內(nèi)容與方法， 其次綜合闡述中小企業(yè)融資理論基礎(chǔ)，學(xué)術(shù)界對(duì)于中小企業(yè)融資的理論研究現(xiàn)狀和具有借鑒意義的理論。 同時(shí)從影響中小企業(yè)融資的內(nèi)、外部因素角度考慮中小企業(yè)融資難的成因，并結(jié)合當(dāng)今國(guó)內(nèi)外銀行對(duì)于中小企業(yè)融資模式的經(jīng)驗(yàn)，尋找適合我國(guó)國(guó)情的中小企業(yè)融資模式。 第三，將從建設(shè)銀行中小企業(yè)“信貸工廠”融資模式的運(yùn)行特點(diǎn)出發(fā)，結(jié)合建設(shè)銀行實(shí)際情況、建設(shè)銀行所經(jīng)營(yíng)的小企業(yè)總體情況以及建行存在的中小企業(yè)融資難題的角度分析傳統(tǒng)融資方案與“信貸工廠”融資方案之間的優(yōu)越性和可行性 第四，擬以建行某一級(jí)分行為例，，從中小企業(yè)貸款規(guī)模、綜合貢獻(xiàn)度、產(chǎn)品覆蓋度、中間業(yè)務(wù)收入等角度出發(fā)闡述模式運(yùn)行的效果特點(diǎn)。 再次，根據(jù)運(yùn)行效果特點(diǎn)提出建行中小企業(yè)融資業(yè)務(wù)的配套措施對(duì)策和建議。本文主要從圍繞信用甄別注重準(zhǔn)入創(chuàng)新、圍繞擔(dān)保方式注重產(chǎn)品創(chuàng)新以及圍繞資產(chǎn)質(zhì)量注重風(fēng)控創(chuàng)新等方面提出了該融資模式的完善的對(duì)策和建議，強(qiáng)調(diào)配套措施對(duì)融資模式的進(jìn)一步優(yōu)化和改造。 最后是對(duì)論文做出總體揭露以及未來(lái)的研究展望
[Abstract]:As everyone knows, with the interest rate differential has been narrowing, competition intensifies, future commercial bank profit pressures will further increase. In the aftermath of the financial crisis and recession in the real economy, in the complex market environment, the Construction Bank of how to deal with the challenges, looking for new profit growth point, is an imminent task. As the new economic growth in China's small and medium enterprises, the huge potential of life, the small and medium-sized enterprise customer groups is an urgent need to dig gold, has broad prospects for development, but it has been difficult to loan problems.
Construction bank customer groups from small and medium-sized enterprises to realize highly strategic significance, the future development of CCB to grasp opportunities, seize the small and medium-sized enterprise credit heights, in order to achieve sustainable development. In early 2005, CCB began with Bank of America, Temasek (Asian financial) for strategic cooperation, sharing technology and experience to the stage. Business philosophy, management, business processes, risk control, product support, in-depth research and innovation incentive assessment and other aspects, formed a relatively mature business model.
Compared with the traditional credit approval mode, the Construction Bank to take the "credit factory" model of carrying out the "five concentration", namely: centralized mass marketing, centralized mortgage registration management, centralized loan management, off-site monitoring centralized management, centralized file management. The "credit factory" promotion greatly enriched the CCB credit varieties and patterns, the bank quickly open up the situation in the small and medium-sized enterprise financing service market, to win market share.
But since 2013, the global economy has experienced positive changes, but the recovery is still weak, low economic growth will continue, the deep-seated contradictions of the domestic economy is still prominent, the contradiction between downtown pressure on the economy and overcapacity intensified, both rising production costs and the lack of innovation ability, the contradiction between the growth of fiscal revenue slow and rigid government expenditures increase, the dilemma between digestive overcapacity and stable employment choice, many factors posed a serious challenge to the economic sustainable development, under the external macroeconomic environment, economic growth continued to slow, financial disintermediation intensified, diversified financing channels for enterprises, reduce the dependence on bank financing, some enterprises to obtain through other channels of low-cost financing for early repayment of bank loans, some small and medium-sized enterprise loan quality decline, private enterprise risk exposure and trend Fast, effective demand is insufficient, which has great pressure on the growth of public loan and intermediary business income. The existing financing mode has to face the competition of reform and innovation in the past 9 years.
This paper mainly from the domestic and foreign scholars on the financing theory of small and medium-sized enterprises, combined with the domestic scholars on the basis of bank financing mode innovation of small and medium sized enterprises, considering the financing problem of small and medium-sized enterprises and meet the financing demand, financing mode comparison of domestic and foreign banks of small and medium-sized enterprises, using the method of combining theory with practice, with the construction of small and medium-sized enterprises "credit bank the factory as an example, study the model focuses on the innovation and the existing problems, and puts forward the countermeasures to perfect the mode, in order to promote bank financing mode innovation and solve the financing problems of SMEs.
The first is to clarify the basis of the topic, the purpose and significance of the study, the main contents and methods of the research.
Secondly, it expounds the theoretical foundation of the financing of small and medium enterprises, and the theoretical research on the financing of small and medium enterprises and the theory of reference.
At the same time, from the perspective of internal and external factors that affect the financing of SMEs, the causes of SMEs' financing difficulties are also considered. Combined with the experience of domestic and foreign banks for SME financing mode, we find a financing mode suitable for China's national conditions.
Third, the operating characteristics of small and medium-sized enterprises from the Construction Bank "credit factory" mode of financing, combined with the actual situation of the Construction Bank, analysis of the feasibility and superiority of traditional financing scheme and the "credit factory" financing plan for SME financing problems existing in the construction of bank management of the overall situation of small enterprises and bank angle
Fourth, taking a branch of China Construction Bank as an example, the effect characteristics of mode operation are expounded from the perspective of SME loan scale, comprehensive contribution, product coverage and intermediate business income.
Again, according to the operation effect of characteristics of small and medium-sized enterprise financing construction measures countermeasures and suggestions. This paper focuses on the credit screening focus on access around the way of security innovation, focus on product innovation and focus on asset quality risk control focus on innovation, and puts forward some countermeasures and suggestions to improve the financing mode, emphasize the further optimization of supporting measures for financing the pattern and transformation.
The last is the general disclosure of the paper and the prospect of the future research

【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4;F276.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 鄒鑫;;中小企業(yè)融資問(wèn)題淺析[J];四川有色金屬;2009年02期

2 李東艷;;關(guān)于中小企業(yè)融資難問(wèn)題的探討[J];北方經(jīng)濟(jì);2008年18期

3 謝冰;蔡洋萍;;基于集群效應(yīng)的中小企業(yè)開(kāi)發(fā)性融資模式創(chuàng)新[J];財(cái)經(jīng)理論與實(shí)踐;2008年06期

4 寧丹;;略論國(guó)內(nèi)中小企業(yè)融資與發(fā)展[J];時(shí)代教育(教育教學(xué));2010年04期

5 李璞;;中小企業(yè)融資困難成因與對(duì)策[J];國(guó)際商務(wù)財(cái)會(huì);2008年08期

6 張代軍;;遼寧、浙江兩省中小企業(yè)融資比較與啟示[J];遼東學(xué)院學(xué)報(bào)(社會(huì)科學(xué)版);2010年03期

7 陳麗金;;全球金融危機(jī)對(duì)我國(guó)中小企業(yè)的影響和對(duì)策分析[J];改革與戰(zhàn)略;2009年06期

8 許立新;;金融危機(jī)下中小企業(yè)融資難的原因與對(duì)策——以秦皇島市為例[J];改革與戰(zhàn)略;2010年04期

9 藍(lán)裕平;;風(fēng)險(xiǎn)投資可有效解決中小企業(yè)融資難[J];國(guó)際融資;2010年09期

10 蘇考輝;張志華;;民營(yíng)中小企業(yè)融資模式分析與選擇[J];經(jīng)營(yíng)管理者;2008年15期

本文編號(hào)：1404217