本文選題：中小企業(yè) + 信貸業(yè)務(wù)��； 參考：《鄭州大學(xué)》2014年碩士論文

【摘要】：中小企業(yè)是我國國民經(jīng)濟(jì)發(fā)展的重要組成部分,在我國經(jīng)濟(jì)結(jié)構(gòu)轉(zhuǎn)型過程中扮演著舉足輕重的角色,同時(shí)也發(fā)揮著無可替代的作用。但是,中小企業(yè)卻往往很難獲得與之相適應(yīng)的金融資源,究其原因,融資難的現(xiàn)狀受制于現(xiàn)實(shí)中的諸多因素及各種金融限制,以致長(zhǎng)期未得到有效解決。而商業(yè)銀行受金融環(huán)境的影響,彼此之間的競(jìng)爭(zhēng)愈演愈烈。加快信貸結(jié)構(gòu)調(diào)整,XX銀行鄭州分行將中小企業(yè)信貸業(yè)務(wù)作為未來重要的發(fā)展方向,調(diào)整信貸結(jié)構(gòu),以此作為適應(yīng)未來金融環(huán)境變化的戰(zhàn)略決策。 為了研究XX銀行鄭州分行中小企業(yè)授信業(yè)務(wù),并提出具有現(xiàn)實(shí)意義的對(duì)策建議,本文通過闡述河南省中小企業(yè)信貸業(yè)務(wù)發(fā)展的現(xiàn)況,同時(shí)也對(duì)XX銀行鄭州分行進(jìn)入中小企業(yè)信貸市場(chǎng)必要性的分析基礎(chǔ)之上,深入解析在促進(jìn)中小企業(yè)融資業(yè)務(wù)發(fā)展過程中出現(xiàn)眾多問題,比如對(duì)中小企業(yè)信貸業(yè)務(wù)缺乏足夠的認(rèn)識(shí)和重視,信貸業(yè)務(wù)流程及風(fēng)險(xiǎn)管理體系不健全,缺乏信貸業(yè)務(wù)產(chǎn)品的創(chuàng)新,銀企信息不對(duì)稱,業(yè)務(wù)合作渠道狹窄,從業(yè)人員激勵(lì)與約束制度不健全等,從明確中小企業(yè)信貸業(yè)務(wù)發(fā)展的重點(diǎn)和方向,優(yōu)化信貸業(yè)務(wù)操作流程,加強(qiáng)中小企業(yè)信貸風(fēng)險(xiǎn)管理,研發(fā)創(chuàng)新型金融產(chǎn)品,解決銀企信息不對(duì)稱現(xiàn)狀,以人為本培養(yǎng)風(fēng)險(xiǎn)意識(shí)和專業(yè)化信貸管理隊(duì)伍六個(gè)方面提出解決XX銀行鄭州分行中小企業(yè)信貸業(yè)務(wù)發(fā)展瓶頸的對(duì)策建議,以期增強(qiáng)XX銀行鄭州分行中小企業(yè)信貸業(yè)務(wù)市場(chǎng)的競(jìng)爭(zhēng)力,將XX銀行鄭州分行中小企業(yè)信貸業(yè)務(wù)推向一個(gè)新的高度。
[Abstract]:As an important part of the development of our national economy, small and medium-sized enterprises (SMEs) play an important role in the process of economic structural transformation in our country, and also play an irreplaceable role. However, it is very difficult for small and medium-sized enterprises to obtain suitable financial resources. The current situation of financing difficulties is limited by many factors in reality and various financial restrictions, which has not been effectively solved for a long time. But the commercial bank is affected by the financial environment, the competition between each other becomes more and more intense. To speed up the adjustment of credit structure, Zhengzhou Branch of XX Bank regards the credit business of small and medium-sized enterprises as the important developing direction in the future, and adjusts the credit structure as a strategic decision to adapt to the change of financial environment in the future. In order to study the credit business of small and medium-sized enterprises in Zhengzhou Branch of XX Bank, and put forward some practical countermeasures and suggestions, this paper expounds the present situation of the development of credit business of small and medium-sized enterprises in Henan Province. At the same time, on the basis of the analysis of the necessity of the Zhengzhou Branch of XX Bank to enter the credit market of small and medium-sized enterprises, it deeply analyzes that there are many problems in the process of promoting the development of financing business of small and medium-sized enterprises. For example, there is a lack of sufficient understanding and attention to the credit business of small and medium-sized enterprises, the imperfect credit business process and risk management system, the lack of innovation of credit business products, the asymmetry of information between banks and enterprises, and the narrow channels of business cooperation. The incentive and restraint system of employees is not perfect, from defining the focus and direction of the development of SME credit business, optimizing the operation process of credit business, strengthening the credit risk management of SMEs, and developing innovative financial products, To solve the current situation of information asymmetry in banks and enterprises, to cultivate risk consciousness and specialized credit management team, six aspects are put forward to solve the bottleneck of credit business development of small and medium-sized enterprises in Zhengzhou Branch of XX Bank. In order to enhance the competitiveness of the SME credit market of Zhengzhou Branch of XX Bank, it will push the SME credit business of Zhengzhou Branch of XX Bank to a new height.
【學(xué)位授予單位】：鄭州大學(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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