本文選題：烏魯木齊市商業(yè)銀行　切入點(diǎn)：小微企業(yè)信貸　出處：《新疆財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：目前，我國小微企業(yè)的規(guī)模將近5000萬家，為國家提供了大部分的就業(yè)崗位，貢獻(xiàn)了近三分之二的所得稅。近年來，資源價(jià)格和勞動(dòng)力成本不斷上升，再加上金融危機(jī)的爆發(fā)，使得小微企業(yè)的經(jīng)營(yíng)更加困難，對(duì)資金的渴求更加強(qiáng)烈。對(duì)于烏魯木齊市商業(yè)銀行來說，利率市場(chǎng)化的改革，金融脫媒的加速等因素使得同業(yè)間的競(jìng)爭(zhēng)更激烈，銀行迫切希望開拓小微企業(yè)貸款這片藍(lán)海。支持小微企業(yè)的發(fā)展，對(duì)于國家經(jīng)濟(jì)的順利轉(zhuǎn)型具有重要的戰(zhàn)略意義，對(duì)于銀行的可持續(xù)發(fā)展也有重大意義。 本文以烏魯木齊市商業(yè)銀行為例，對(duì)其小微企業(yè)信貸進(jìn)行了研究。首先研究了小微企業(yè)融資和地方性商業(yè)銀行的相關(guān)理論，又對(duì)小微企業(yè)進(jìn)行了界定，接著對(duì)烏魯木齊市商業(yè)銀行小微貸業(yè)務(wù)的現(xiàn)狀和問題進(jìn)行了分析，主要存在小微企業(yè)信貸業(yè)務(wù)經(jīng)營(yíng)成本高、小微企業(yè)信貸流程需進(jìn)一步簡(jiǎn)化、針對(duì)小微企業(yè)的金融產(chǎn)品缺乏，創(chuàng)新不足等問題，最后結(jié)合烏魯木齊市商業(yè)銀行的現(xiàn)狀，提出了促進(jìn)當(dāng)前小微貸業(yè)務(wù)的發(fā)展的建議，加強(qiáng)小微企業(yè)信用數(shù)據(jù)庫建設(shè)，，完善和創(chuàng)新信貸業(yè)務(wù)流程，創(chuàng)新小微企業(yè)信貸服務(wù)產(chǎn)品，加強(qiáng)小微企業(yè)信貸風(fēng)險(xiǎn)控制，加大客戶綜合開發(fā)力度。
[Abstract]:At present, China's Small and micro businesses the size of nearly 5000 million, provided most of the jobs for the country, with nearly 2/3 of the income tax. In recent years, resource prices and labor costs continue to rise, coupled with the outbreak of the financial crisis, the Small and micro businesses business more difficult, more intense desire for money for Urumqi City Commercial Bank, the interest rate market reform, financial disintermediation acceleration and other factors make the interbank competition more intense, banks are eager to develop Small and micro businesses loans to support the development of this piece of blue. Small and micro businesses, has important strategic significance for the smooth transition of the national economy, it is of great significance for the the sustainable development of the bank.
This paper takes the case of Urumqi City Commercial Bank, the credit Small and micro businesses are studied. The paper firstly studies the related theories Small and micro businesses financing and local commercial bank, and to Small and micro businesses were defined, and then the Urumqi city commercial bank small micro credit business status and problems were analyzed, the main there are Small and micro businesses credit business operating costs are high, Small and micro businesses credit process needs to be further simplified for Small and micro businesses financial products lack, lack of innovation, and finally combined with the status quo of Urumqi City Commercial Bank, put forward to promote the development of the small and micro loan business advice, strengthen Small and micro businesses credit database construction, improve and the innovation of credit business process, credit service product innovation Small and micro businesses, strengthen Small and micro businesses credit risk control, increase customer comprehensive development efforts.

【學(xué)位授予單位】：新疆財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F832.4

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