本文選題：商業(yè)銀行　切入點：中小企業(yè)　出處：《對外經(jīng)濟貿(mào)易大學》2014年碩士論文　論文類型：學位論文

【摘要】：隨著我國經(jīng)濟體制以及金融體制改革的逐漸深入，國內(nèi)廣大中小企業(yè)發(fā)展形勢良好、金融服務(wù)需求強烈，然而迫切需要成長發(fā)展的中小企業(yè)卻因其信用擔保等問題面臨著融資貸款困難的問題。近些年來，伴隨著大數(shù)據(jù)時代的到來,互聯(lián)網(wǎng)金融行業(yè)發(fā)展突飛猛進,互聯(lián)網(wǎng)貸款、眾籌、P2P貸款等網(wǎng)絡(luò)金融產(chǎn)業(yè)有效的緩解了中小企業(yè)融資困難,成為中小企業(yè)新的融資伙伴，給商業(yè)銀行帶來更多的機遇與挑戰(zhàn)，而我國日漸開放的金融市場環(huán)境使商業(yè)銀行面臨越來越大競爭生存壓力，傳統(tǒng)商業(yè)銀行迫切需要進行戰(zhàn)略轉(zhuǎn)型。關(guān)于網(wǎng)絡(luò)融資背景下商業(yè)銀行如何提升中小企業(yè)貸款服務(wù)、促進銀行與中小企業(yè)共同發(fā)展的熱點話題倍受金融經(jīng)濟領(lǐng)域關(guān)注。 本文通過對網(wǎng)絡(luò)融資背景下商業(yè)銀行如何完善中小企業(yè)貸款服務(wù)這一方向來進行闡述，希望在了解國內(nèi)中小企業(yè)的融資需求、國內(nèi)銀行和互聯(lián)網(wǎng)融資渠道對中小企業(yè)的融資服務(wù)現(xiàn)狀的基礎(chǔ)上，探索商業(yè)銀行拓展中小企業(yè)貸款服務(wù)、不斷完善該類業(yè)務(wù)的可能性，并提出了實際有效的應(yīng)對策略。 首先，筆者說明了中小企業(yè)融資方面的相關(guān)理論，并以此為基礎(chǔ)，，分析闡述了近些年來中小企業(yè)對銀行貸款方面的需求狀況，并且說明了銀行業(yè)在中小企業(yè)信貸方面的供給情況，盡管該類金融服務(wù)在國內(nèi)取得了很大的提升，但依然有許多問題亟待解決，現(xiàn)在銀行業(yè)為中小企業(yè)做出的資金援助尚未良好地滿足中小企業(yè)對銀行貸款的迫切需求。此后文章闡述了互聯(lián)網(wǎng)途徑在對中小企業(yè)融資服務(wù)方面做出的努力及供給情況，并與傳統(tǒng)的商業(yè)銀行在中小企業(yè)服務(wù)方面進行了比較。論文最后提出了結(jié)論，立足于國內(nèi)銀行業(yè)改進、完善中小企業(yè)貸款服務(wù)的可能性，從商業(yè)銀行原有的行業(yè)優(yōu)勢、由于經(jīng)濟環(huán)境變化所帶來的經(jīng)營困難、國內(nèi)外商業(yè)銀行成功的轉(zhuǎn)型案例等等外部條件改善的角度來分析，提出了具體建議，包括加強銀行網(wǎng)絡(luò)信貸業(yè)務(wù)建設(shè)、聯(lián)合互聯(lián)網(wǎng)金融企業(yè)進行合作、改進商業(yè)銀行的組織結(jié)構(gòu)和經(jīng)營管理制度、加強產(chǎn)品與服務(wù)的創(chuàng)新研究以及改進風險控制方式等。
[Abstract]:With the deepening of China's economic system and financial system reform, the development situation of domestic small and medium-sized enterprises is good, and the demand for financial services is strong. In recent years, with the advent of big data's era, the Internet financial industry has developed by leaps and bounds, and Internet loans have developed by leaps and bounds. The network finance industry, such as crowdfunding P2P loans, effectively alleviated the financing difficulties of SMEs, became a new financing partner for SMEs, and brought more opportunities and challenges to commercial banks. However, due to the increasingly open financial market environment in China, commercial banks are facing more and more competitive survival pressure. Traditional commercial banks urgently need to carry out strategic transformation. The hot topic of promoting the common development of banks and small and medium-sized enterprises has been paid close attention to in the field of finance and economy. This paper expounds how commercial banks improve the loan service of SMEs under the background of network financing, hoping to understand the financing needs of domestic SMEs. On the basis of the present situation of domestic banks and Internet financing channels, this paper explores the possibility for commercial banks to expand their loan services to SMEs, and puts forward practical and effective countermeasures. First of all, the author explains the relevant theory of SME financing, and on this basis, analyzes the demand of SMEs for bank loans in recent years. It also explains the supply of credit to small and medium-sized enterprises in the banking sector. Although this kind of financial service has made great progress in China, there are still many problems to be solved. At present, the financial assistance provided by the banking sector for small and medium-sized enterprises has not been able to meet the urgent needs of SMEs for bank loans. After that, the article expounds the efforts made by Internet channels in financing services for small and medium-sized enterprises and the supply situation. Finally, the paper puts forward the conclusion, which is based on the improvement of domestic banking, the possibility of perfecting the loan service of small and medium-sized enterprises, and from the commercial bank's original industry advantage, the paper makes a comparison with the traditional commercial banks in the service of small and medium-sized enterprises. Due to the operating difficulties brought about by the changes in the economic environment, the successful transformation cases of commercial banks at home and abroad and other external conditions are analyzed from the perspective of improving external conditions, and concrete suggestions are put forward, including strengthening the construction of bank network credit business. To cooperate with Internet financial enterprises, to improve the organization structure and management system of commercial banks, to strengthen the innovative research of products and services, and to improve the risk control methods and so on.
【學位授予單位】：對外經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3

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