本文選題：邢臺建行 + 中小企業(yè)　； 參考：《河北經(jīng)貿(mào)大學(xué)》2014年碩士論文

【摘要】：從目前我國的市場經(jīng)濟組成來看，中小企業(yè)依然在我國市場經(jīng)濟中占據(jù)著比較重要的地位，對于促進我國經(jīng)濟的發(fā)展發(fā)揮著巨大的作用。但是目前中小企業(yè)的發(fā)展卻面臨著一個突出的問題，即中小企業(yè)的資金受到限制，企業(yè)融資比較困難。中小企業(yè)融資困難主要由于兩個原因，一方面中小企業(yè)自身由于種種原因金融資源比較缺乏，另一方面我國商業(yè)銀行在發(fā)展過程中面臨著越來越嚴峻的形勢，其利率下降等問題嚴重制約著商業(yè)銀行對中小企業(yè)的貸款。所以，為了進一步的促進中小企業(yè)的發(fā)展，對其進行信貸結(jié)構(gòu)優(yōu)化和金融資金的調(diào)整，不僅能夠促進我國信貸市場的合理發(fā)展，對于促進中小企業(yè)發(fā)展也至關(guān)重要。 在本文，，筆者通過規(guī)范分析、比較分析和實證分析，對我國中小企業(yè)目前的信貸發(fā)展現(xiàn)狀、信貸發(fā)展存在的問題以及原因等進行分析，并在此基礎(chǔ)上為我國中小企業(yè)的信貸發(fā)展提供相關(guān)的建議措施等�？傮w來說，目前我國中小企業(yè)的信貸發(fā)展存在的主要問題是：首先中小企業(yè)發(fā)展自身的組織機構(gòu)等不夠完善和健全，其次中小企業(yè)缺乏有效的信貸激勵機制，第三中小企業(yè)的信貸模式存在問題，第四中小企業(yè)現(xiàn)有的自身的信貸機制以及審批模式等存在不足，最后是商業(yè)銀行針對中小企業(yè)的信貸產(chǎn)品品種比較少。通過邢臺建行的具體研究分析，本文筆者將從八個方面對邢臺建行的中小企業(yè)信貸進行改善建議，分別是：第一機構(gòu)設(shè)置，第二信貸產(chǎn)品，第三信用評級，第四審批流程，第五貸后管理，第六不良處置，第七績效考核，第八責(zé)任追究。為此，本文對于邢臺建行的具體中小企業(yè)信貸改善進行了如下的建議分析：第一，中小企業(yè)自身需要進行改善，加強自身的信貸機構(gòu)專業(yè)化建設(shè)，建立完善的中小企業(yè)的考核和激勵制度；第二，要建立固定合理的中小企業(yè)信貸的相關(guān)制度規(guī)定，為中小企業(yè)的信貸提供指導(dǎo)；第三，科學(xué)合理的進行中小企業(yè)的信用評價、風(fēng)險評價，優(yōu)化信貸客戶對象；第四，建立完善的貸后管理機制，對于不良資產(chǎn)進行快速核銷；第五，進行中小企業(yè)信貸產(chǎn)品的創(chuàng)新發(fā)展，提供不同要求的中小企業(yè)信貸產(chǎn)品。 當然，中小企業(yè)的信貸問題是一個多層面、全方位的問題，解決中小企業(yè)的信貸問題不僅僅需要從商業(yè)銀行的角度入手進行解決，還需要多主體共同參與解決。為此，除了商業(yè)銀行需要對此進行措施采取之外，政府部分、中央銀行、中小企業(yè)自身和社會都應(yīng)該參與進來，采取多種措施進行系統(tǒng)化的問題解決，從而促進整個金融市場的穩(wěn)定和諧發(fā)展。
[Abstract]:According to the composition of the market economy in our country, the small and medium-sized enterprises still occupy a relatively important position in the market economy of our country, and play a great role in promoting the development of our country's economy. However, the development of small and medium-sized enterprises is faced with a prominent problem, that is, the funds of SMEs are restricted, and the financing of enterprises is more difficult. The financing difficulties of SMEs are mainly due to two reasons. On the one hand, the SMEs themselves are short of financial resources for various reasons. On the other hand, commercial banks in our country are facing more and more severe situation in the process of development. Its interest rate drops and so on the question seriously restricts the commercial bank to the small and medium-sized enterprise loan. Therefore, in order to further promote the development of small and medium-sized enterprises, the optimization of credit structure and the adjustment of financial funds can not only promote the rational development of the credit market in China, but also promote the development of small and medium-sized enterprises. In this paper, the author, through normative analysis, comparative analysis and empirical analysis, analyzes the current credit development situation, problems and causes of the credit development of small and medium-sized enterprises in China. And on this basis for the credit development of small and medium-sized enterprises in China to provide relevant measures and so on. Generally speaking, the main problems in the credit development of SMEs in our country are: first, the SMEs develop their own organization and so on are not perfect and perfect; secondly, the SMEs lack an effective credit incentive mechanism. There are some problems in the credit model of the third small and medium-sized enterprises, the fourth SMEs' existing credit mechanism and the examination and approval model, etc. Finally, the commercial banks have fewer kinds of credit products for the small and medium-sized enterprises. Through the concrete research and analysis of Xingtai Construction Bank, the author of this paper will improve the credit of small and medium-sized enterprises in Xingtai Construction Bank from eight aspects, namely: the first institution setup, the second credit product, the third credit rating, the fourth approval process. The fifth loan management, the sixth bad disposal, the seventh performance appraisal, the eighth responsibility investigation. For this reason, this article has carried on the following suggestion analysis to the Xingtai construction bank concrete small and medium-sized enterprise credit improvement: first, the small and medium-sized enterprise needs to carry on the improvement, strengthens own credit institution specialization construction, Establish a sound assessment and incentive system for small and medium-sized enterprises; second, establish a fixed and reasonable credit system for small and medium-sized enterprises to provide guidance for the credit of small and medium-sized enterprises; third, scientific and reasonable credit evaluation of small and medium-sized enterprises, Risk evaluation, optimize the target of credit customers; fourth, establish a sound post-loan management mechanism for the rapid write-off of non-performing assets; fifthly, carry out innovative development of SME credit products to provide different requirements of SME credit products. Of course, the credit problem of small and medium-sized enterprises is a multi-level and omni-directional problem. To solve the credit problem of small and medium-sized enterprises, we not only need to solve the problem from the perspective of commercial banks, but also need multi-subjects to participate in the solution. Therefore, in addition to the measures that commercial banks need to take, the government, the central bank, the small and medium-sized enterprises themselves and the society should all participate in taking various measures to systematize the problems. Thus promoting the stable and harmonious development of the entire financial market.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4

【引證文獻】

相關(guān)碩士學(xué)位論文 前1條

1 張波;XX支行中小企業(yè)信貸營銷策略研究[D];寧夏大學(xué);2015年

本文編號：2064479