本文選題：大型商業(yè)銀行　切入點(diǎn)：小微企業(yè)　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】：小微企業(yè)作為促進(jìn)國民經(jīng)濟(jì)發(fā)展的重要力量，在經(jīng)濟(jì)的總體運(yùn)行中占據(jù)越來越重要的位置。商業(yè)銀行積極調(diào)整信貸結(jié)構(gòu)，為小微企業(yè)提供全方位的信貸支持，將小微企業(yè)信貸業(yè)務(wù)作為保持自身可持續(xù)發(fā)展的一項(xiàng)重要戰(zhàn)略選擇。在財(cái)政稅收政策的大力支持和推動(dòng)下，大型商業(yè)銀行也加大了對小微企業(yè)的支持力度，但是對小微企業(yè)的信貸支持明顯不足，供需矛盾突出，，信貸缺口較大，小微企業(yè)信貸需求滿足程度較低。小微企業(yè)信貸業(yè)務(wù)作為商業(yè)銀行業(yè)務(wù)轉(zhuǎn)型的戰(zhàn)略重點(diǎn)，對大型商業(yè)銀行進(jìn)行戰(zhàn)略升級以及可持續(xù)發(fā)展具有重要的現(xiàn)實(shí)意義和理論意義。本文首先對大型商業(yè)銀行小微企業(yè)客戶進(jìn)行了界定，按照國家四部委企業(yè)規(guī)模劃分標(biāo)準(zhǔn)明確了研究目標(biāo)的范圍與標(biāo)準(zhǔn)。然后分析了機(jī)會(huì)成本的內(nèi)涵與外延，在分析國內(nèi)外銀行開展小企業(yè)業(yè)務(wù)的基礎(chǔ)上先進(jìn)經(jīng)驗(yàn)的基礎(chǔ)上進(jìn)行有益借鑒。本文以大型商業(yè)銀行為立足點(diǎn)，從我國小微企業(yè)的發(fā)展現(xiàn)狀及大型商業(yè)銀行開展小微企業(yè)信貸業(yè)務(wù)現(xiàn)狀入手，闡釋了大型商業(yè)銀行開展小微企業(yè)信貸業(yè)務(wù)所面臨的問題；分別從財(cái)務(wù)和經(jīng)營業(yè)績角度、信貸配給角度、聲譽(yù)風(fēng)險(xiǎn)角度、信貸風(fēng)險(xiǎn)角度以及從國家宏觀經(jīng)濟(jì)政策金融政策、銀監(jiān)會(huì)、地方政府、自身社會(huì)責(zé)任及其互聯(lián)網(wǎng)金融沖擊等方面進(jìn)行分析，重點(diǎn)剖析了大型商業(yè)銀行發(fā)展小微企業(yè)信貸業(yè)務(wù)的內(nèi)部效益以及外部優(yōu)勢。最后在分析大型商業(yè)銀行所面臨的問題及內(nèi)部效益外部優(yōu)勢的前提下提出了開展小微企業(yè)信貸業(yè)務(wù)的對策建議。
[Abstract]:As an important force to promote the development of the national economy, small and micro enterprises occupy an increasingly important position in the overall operation of the economy. Commercial banks actively adjust the credit structure to provide comprehensive credit support for small and micro enterprises. The credit business of small and micro enterprises is regarded as an important strategic choice to maintain their sustainable development. With the support and promotion of fiscal and tax policies, large commercial banks have also increased their support for small and micro enterprises. However, the credit support for small and micro enterprises is obviously insufficient, the contradiction between supply and demand is prominent, the credit gap is large, and the credit demand of small and micro enterprises is low. Strategic upgrading and sustainable development of large commercial banks have important practical and theoretical significance. Firstly, this paper defines the customers of small and micro enterprises in large commercial banks. The scope and standard of the research goal are defined according to the scale classification standard of the four ministries and departments, and then the connotation and extension of the opportunity cost are analyzed. On the basis of analyzing the domestic and foreign banks carrying out small business business, the paper makes a useful reference on the basis of advanced experience. This paper takes the large commercial banks as the foothold, Starting with the development of small and micro enterprises in China and the present situation of small and micro enterprise credit business in large commercial banks, the problems faced by large commercial banks in developing small and micro enterprise credit business are explained, respectively from the angle of financial and operational performance. From the perspective of credit rationing, reputation risk, credit risk, and from the aspects of national macroeconomic policy and financial policy, banking regulatory commission, local government, social responsibility and its Internet financial impact, This paper mainly analyzes the internal benefits and external advantages of the development of small and micro enterprise credit business in large commercial banks. Finally, it puts forward the development of small and micro enterprises on the premise of analyzing the problems faced by large commercial banks and the external advantages of internal benefits. The countermeasure suggestion of enterprise credit business.
【學(xué)位授予單位】：新疆財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前6條

1 郭衛(wèi)文;;商業(yè)銀行開展小企業(yè)信貸業(yè)務(wù)的問題與建議[J];銀行家;2009年04期

2 宋燕輝;;我國大型商業(yè)銀行拓展小微企業(yè)貸款業(yè)務(wù)的路徑選擇[J];地方財(cái)政研究;2013年11期

3 溫鐵軍;姜柏林;;把合作金融還給農(nóng)民——重構(gòu)“服務(wù)三農(nóng)的農(nóng)村金融體系”的建議[J];農(nóng)村金融研究;2007年01期

4 王曙光;;小額信貸:來自孟加拉鄉(xiāng)村銀行的啟示[J];中國金融;2007年04期

5 高建輝;;商業(yè)銀行參與小額信貸業(yè)務(wù)的國際經(jīng)驗(yàn)與發(fā)展建議[J];中國金融;2010年13期

6 張晉東;;基于小微企業(yè)特點(diǎn)的金融服務(wù)模式研究[J];武漢金融;2013年07期

本文編號(hào)：1586380