本文關(guān)鍵詞：A銀行寧夏分行中小企業(yè)信貸業(yè)務(wù)發(fā)展對(duì)策研究　出處：《寧夏大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 中小企業(yè) 銀行信貸業(yè)務(wù) 政策性銀行

【摘要】：A銀行為三大政策性銀行之一,政策性銀行即由政府發(fā)起、出資成立,為貫徹和配合政府特定經(jīng)濟(jì)政策和意圖而進(jìn)行融資和信用活動(dòng),不以營(yíng)利為目的,專門為貫徹、配合政府社會(huì)經(jīng)濟(jì)政策或意圖,在特定的業(yè)務(wù)領(lǐng)域內(nèi),直接或間接地從事政策性融資活動(dòng),充當(dāng)政府發(fā)展經(jīng)濟(jì)、促進(jìn)社會(huì)進(jìn)步、進(jìn)行宏觀經(jīng)濟(jì)管理工具。中小企業(yè)融資難問題是中小企業(yè)發(fā)展過程中巨大的阻礙,A銀行隨著金融體系改革的不斷深化發(fā)展,在國(guó)家對(duì)于中小企業(yè)的政策傾斜大形勢(shì)下,中小企業(yè)貸款業(yè)務(wù)已成為A銀行民生金融業(yè)務(wù)的重要組成部分,所以完善A銀行中小企業(yè)信貸業(yè)務(wù)勢(shì)在必行。本文通過研究A銀行對(duì)中小企業(yè)的信貸狀況,針對(duì)中小企業(yè)的實(shí)際情況,與同業(yè)銀行及商業(yè)銀行信貸業(yè)務(wù)進(jìn)行對(duì)比,研究A銀行信貸業(yè)務(wù)中存在的問題。同時(shí),通過研究信用風(fēng)險(xiǎn)評(píng)估模式以及信貸產(chǎn)品、信貸投資方向,總結(jié)國(guó)內(nèi)外同業(yè)及商業(yè)銀行的經(jīng)驗(yàn),為A銀行提出中小企業(yè)信貸業(yè)務(wù)新的發(fā)展方向。
[Abstract]:A bank is one of the three policy banks, policy banks initiated by the government funded the establishment, financing and credit activities to implement and cooperate with government policies and specific economic purposes, not for profit purposes, specifically to carry out, cooperate with government's social economic policy or intention, in the specific business field, directly or indirectly engaged in policy financing activities, as the government economic development, promoting social progress, macro economic management tools. The financing problem of SMEs is the development of small and medium-sized enterprises in a huge obstacle, A bank financial system with the deepening of the reform in national development, for small and medium-sized enterprise policy situation, small and medium-sized business loan business has become an important part of A Minsheng Bank financial business, so to improve the A bank SME credit business for small and medium-sized enterprises is imperative. This paper through the research of A bank Industry credit conditions, according to the actual situation of small and medium-sized enterprises, compared with the interbank credit business and commercial bank, A bank credit business of the problem. At the same time, through the research on the credit risk assessment model, credit products, credit investment direction, summarizes the domestic banks and commercial banks experience, put forward the new development direction the small and medium-sized enterprise credit business of A bank.

【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F275

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