本文關(guān)鍵詞： 濰坊銀行 信貸拓展 企業(yè)融資　出處：《蘭州商學院》2014年碩士論文　論文類型：學位論文

【摘要】：長期以來，銀行間接融資作為我國資金需求方融資的主要渠道，負責為經(jīng)濟建設(shè)籌集分配資金，是我國社會再生產(chǎn)順利進行的重要紐帶。在銀行業(yè)務(wù)中，信貸業(yè)務(wù)是其最主要和最具盈利性的業(yè)務(wù)，占銀行總資產(chǎn)規(guī)模的70%左右，努力拓展我國商業(yè)銀行的信貸業(yè)務(wù),對于提高銀行收益、穩(wěn)定金融環(huán)境、推動經(jīng)濟發(fā)展十分重要。因此,對我國商業(yè)銀行信貸拓展進行研究具有重要的理論價值和現(xiàn)實意義。 目前，我國銀行的信貸業(yè)務(wù)面臨許多困難。首先，我國的經(jīng)濟正經(jīng)歷由政策刺激向自主增長的有序轉(zhuǎn)變，投資增速也有所降低，占銀行信貸結(jié)構(gòu)較大比例的投資類需求將逐漸走弱，銀行信貸可能在較長時間內(nèi)面臨有效需求不足的問題。其次，，人民銀行為了防止經(jīng)濟波動較大、調(diào)整經(jīng)濟結(jié)構(gòu)，必然會調(diào)控社會融資總量，而在其職責范圍內(nèi)，理財產(chǎn)品無法通過貨幣政策調(diào)控，人民銀行只能對銀行信貸數(shù)額進行調(diào)整，信貸業(yè)務(wù)在這種情況下必然會受到影響。最后，多層次資本市場的發(fā)展和非銀行機構(gòu)的壯大將在資產(chǎn)和負債兩端對銀行產(chǎn)生沖擊，優(yōu)質(zhì)客戶資金“脫媒”的現(xiàn)象進一步顯現(xiàn)，加劇了信貸非中介化的趨勢，對銀行信貸業(yè)務(wù)的開展產(chǎn)生了負面效應。 信貸業(yè)務(wù)作為城市商業(yè)銀行最重要的資產(chǎn)業(yè)務(wù)，是提高其盈利性、解決一系列現(xiàn)存問題的重要突破口。濰坊銀行成立于1997年，在城市商業(yè)銀行中有一定的代表性，本文通過對濰坊銀行信貸拓展的研究，一方面希望能系統(tǒng)分析濰坊銀行信貸業(yè)務(wù)的宏觀環(huán)境、內(nèi)部條件與競爭實力，以便對濰坊銀行日常經(jīng)營決策給予參考依據(jù)，另一方面通過對濰坊銀行信貸業(yè)務(wù)優(yōu)勢、劣勢、機遇和威脅的分析指出拓展信貸的可行性方案策略，有利于濰坊銀行在未來的信貸投放中與時俱進創(chuàng)造需求、引導需求，以最先進的技術(shù)、最適合的產(chǎn)品、最有效率和最有價值的服務(wù)滿足客戶，實現(xiàn)信貸競爭力的動態(tài)更新與自身經(jīng)營的最大利益。希望本文對濰坊銀行信貸投放的發(fā)展起到促進作用，同時對城市商業(yè)銀行發(fā)展的未來前景研究希望也能起到參考作用。
[Abstract]:For a long time, the bank indirect financing as the main channel of our country capital demand side financing, is responsible for raising and distributing the funds for the economic construction, is the important link which our country society reproduces smoothly, in the bank business. Credit business is the most important and most profitable business, accounting for about 70% of the total assets of banks. Try to expand the credit business of commercial banks in China, to improve bank earnings and stabilize the financial environment. It is very important to promote economic development. Therefore, it is of great theoretical and practical significance to study the credit expansion of commercial banks in China. At present, the credit business of Chinese banks is facing many difficulties. Firstly, the economy of our country is undergoing an orderly transition from policy stimulus to independent growth, and the growth rate of investment has also decreased. The investment demand, which accounts for a large proportion of the bank credit structure, will weaken gradually, and the bank credit may face the problem of insufficient effective demand for a long time. Secondly, in order to prevent the economic fluctuation, the people's Bank of China may face the problem of insufficient effective demand. Adjustment of economic structure will inevitably control the total amount of social financing, and in its scope of responsibility, financial products can not be regulated through monetary policy, the people's Bank of China can only adjust the amount of bank credit. Finally, the development of multi-level capital markets and the growth of non-bank institutions will impact banks at both ends of assets and liabilities. The phenomenon of "disintermediation" of high quality customer funds further appears, which intensifies the trend of disintermediation of credit, and has a negative effect on the development of bank credit business. As the most important asset business of city commercial bank, credit business is an important breakthrough to improve its profitability and solve a series of existing problems. Weifang Bank was established in 1997. In the city of commercial banks have a certain representation, this paper through the Weifang bank credit development research, on the one hand, hope to systematically analyze the macro environment of Weifang bank credit business, internal conditions and competitive strength. On the other hand, through the analysis of Weifang bank's credit business strengths, weaknesses, opportunities and threats, this paper points out the feasible scheme strategy to expand credit. Weifang Bank in the future in the credit investment with the times to create demand, guide demand, with the most advanced technology, the most suitable products, the most efficient and valuable services to meet customers. To realize the dynamic renewal of credit competitiveness and the best interests of its own operation. I hope this article will promote the development of Weifang bank credit. At the same time, the future prospects of the development of urban commercial banks hope to play a reference role.
【學位授予單位】：蘭州商學院
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

【引證文獻】

相關(guān)博士學位論文 前1條

1 趙宏瑞;中國金融體系存差問題實證研究[D];中國社會科學院研究生院;2013年

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