本文選題：融資難 + 中小企業(yè)　； 參考：《中南大學(xué)》2014年碩士論文

【摘要】：中小企業(yè)融資難一直困擾著中國(guó)政府和企業(yè)。中國(guó)中小企業(yè)融資的主要來(lái)源是商業(yè)銀行、非銀行金融機(jī)構(gòu)提供的間接融資,但是因?yàn)橹行∑髽I(yè)的抗風(fēng)險(xiǎn)能力低、存活時(shí)間短、信用級(jí)別低、貸款數(shù)額小等特點(diǎn),再加上外部環(huán)境和金融危機(jī)的影響,使得各金融機(jī)構(gòu)對(duì)中小企業(yè)普遍“惜貸”,如何在風(fēng)險(xiǎn)可控的情況下,用一種合適的方式為中小企業(yè)提供融資服務(wù),成為各家金融機(jī)構(gòu)必須面對(duì)和思考的問(wèn)題。 本文結(jié)合國(guó)內(nèi)學(xué)者關(guān)于融資難的成因分析和國(guó)外學(xué)者相關(guān)信貸理論研究,從中國(guó)銀行湖南省分行現(xiàn)有三大授信模式出發(fā),分析存在問(wèn)題和不足,并在此基礎(chǔ)上提出了構(gòu)建中國(guó)銀行湖南省分行信貸工廠模式的基本思路。本文從客戶準(zhǔn)入角度、授信流程和風(fēng)控角度以及授信金額和定價(jià)水平角度分析了現(xiàn)有信貸模式的不足之處,指出應(yīng)通過(guò)構(gòu)建專營(yíng)機(jī)構(gòu)、設(shè)計(jì)標(biāo)準(zhǔn)流程、開發(fā)個(gè)性產(chǎn)品、建立專門服務(wù)體系等方法來(lái)搭建全新的融資服務(wù)體系。在具體實(shí)施中,從業(yè)務(wù)規(guī)劃、行業(yè)調(diào)研、流程設(shè)計(jì)、產(chǎn)品策略4個(gè)方面進(jìn)行了詳細(xì)論證,并給予管理、風(fēng)控和人員三大保障措施,確保了模式的順利實(shí)施。本文的研究成果,對(duì)提升中國(guó)銀行湖南省分行中小企業(yè)融資服務(wù)水平有一定的實(shí)際參考價(jià)值,將增加中小企業(yè)融資的可獲得性,也為其他金融機(jī)構(gòu)解決中小企業(yè)融資難題提供了新思路。
[Abstract]:The financing difficulty of medium and small-sized enterprises has been perplexing the Chinese government and enterprises all the time. The main sources of financing for small and medium-sized enterprises in China are indirect financing provided by commercial banks and non-bank financial institutions. However, because of the small and medium-sized enterprises' ability to resist risks, short survival time, low credit level, and small amount of loans, etc. Coupled with the impact of the external environment and the financial crisis, financial institutions are generally "reluctant to lend" to SMEs, and how to provide financing services to SMEs in a suitable way under conditions of controllable risk, Become the problem that each financial institution must face and think about. Based on the analysis of the causes of financing difficulties of domestic scholars and the research of relevant credit theories of foreign scholars, this paper analyzes the existing problems and shortcomings from the existing three credit modes of Hunan Branch of Bank of China. On this basis, the paper puts forward the basic idea of constructing the credit factory model of Bank of China Hunan Branch. This paper analyzes the shortcomings of the existing credit model from the point of view of customer access, credit flow and wind control, credit amount and pricing level, and points out that individual products should be developed through the construction of franchisees, the design of standard processes, and the development of individual products. Establish special service system and other methods to build a new financing service system. In the process of implementation, it is demonstrated in detail from four aspects of business planning, industry investigation, process design and product strategy, and three safeguards, management, wind control and personnel, are given to ensure the smooth implementation of the model. The research results of this paper have some practical reference value for improving the financing service level of small and medium-sized enterprises in Bank of China Hunan Branch, which will increase the availability of financing for small and medium-sized enterprises. Also for other financial institutions to solve the financing problems of small and medium-sized enterprises to provide new ideas.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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