Z銀行小微企業(yè)信貸業(yè)務(wù)發(fā)展問題研究
發(fā)布時間：2018-07-18 21:45
【摘要】：隨著我國社會經(jīng)濟的不斷發(fā)展,小微企業(yè)經(jīng)濟在社會經(jīng)濟中的地位和作用日益重要,在經(jīng)濟問題、社會問題等多個方面都發(fā)揮了積極作用。國家對小微企業(yè)經(jīng)濟的發(fā)展問題日益重視,尤其是在小微企業(yè)融資問題上,中央政府以及金融監(jiān)管機構(gòu)連續(xù)出臺了多項政策給予小微企業(yè)信貸方面的支持。小微企業(yè)信貸業(yè)務(wù)也因此獲得了迅速的發(fā)展。 縱觀小微企業(yè)信貸業(yè)務(wù)的發(fā)展歷程,銀行對小微企業(yè)信貸業(yè)務(wù)的政策支持、發(fā)展方向、發(fā)展方式、組成結(jié)構(gòu)等多方面都有著深刻的變化,由最初拒絕發(fā)展小微企業(yè)信貸業(yè)務(wù),到開始推動、直至部分股份制商業(yè)銀行將其列為發(fā)展重點；從單一的抵押類貸款品種,到貸款品種全面發(fā)展,呈現(xiàn)多樣化、豐富化的局面；從單純的追求信貸規(guī)模增長,到注重綜合化經(jīng)營效益水平。小微企業(yè)信貸業(yè)務(wù)迅速取得了長足的發(fā)展。 當前我國處于社會經(jīng)濟結(jié)構(gòu)調(diào)整,增長方式轉(zhuǎn)變以及產(chǎn)業(yè)升級的重要時刻,小微企業(yè)經(jīng)濟發(fā)展面臨著相對復雜的局面。為提升小微企業(yè)信貸業(yè)務(wù)發(fā)展水平,促進小微企業(yè)經(jīng)濟發(fā)展,本文以相關(guān)理論為基礎(chǔ),立足Z銀行小微信貸業(yè)務(wù)發(fā)展的實例進行分析研究,提出小微信貸業(yè)務(wù)發(fā)展的建議。本文共分成六個部分： 第一部分引言。介紹了本文研究背景、研究意義、國內(nèi)外研究現(xiàn)狀、思路和方法以及研究創(chuàng)新和不足等相關(guān)內(nèi)容。 第二部分重點介紹了小微企業(yè)的定義、小微企業(yè)信貸業(yè)務(wù)的特征、影響因素以及相關(guān)理論等內(nèi)容。 第三部分回顧了我國小微企業(yè)信貸業(yè)務(wù)的發(fā)展歷程,指出我國小微企業(yè)信貸業(yè)務(wù)發(fā)展所具備的重大意義和Z銀行發(fā)展小微企業(yè)信貸業(yè)務(wù)的必要性。 第四部分介紹了Z銀行小微企業(yè)信貸業(yè)務(wù)的基本情況、業(yè)務(wù)品種和主要產(chǎn)品,闡述了Z銀行發(fā)展小微企業(yè)信貸業(yè)務(wù)過程中存在的問題和障礙,分析了問題產(chǎn)生的原因。 第五部分主要是結(jié)合前面的研究和分析,提出針對Z銀行的小微企業(yè)信貸發(fā)展的對策和措施。 第六部分主要總結(jié)了本文的主要結(jié)論和展望。
[Abstract]:With the development of social economy in China, the status and role of small and micro enterprises in social economy is becoming more and more important, and has played a positive role in many aspects, such as economic problems, social problems, etc. The state pays more and more attention to the development of microenterprise economy, especially on the financing of small and micro enterprises. The central government and financial regulators have successively issued a number of policies to support the credit of small and micro enterprises. The small and micro-enterprise credit business also obtained the rapid development as a result. Throughout the development of small and micro enterprise credit business, the bank has a profound change in policy support, development direction, development mode, composition structure and other aspects of the small and micro enterprise credit business, and has refused to develop small and micro enterprise credit business from the beginning. Until some joint-stock commercial banks listed it as the focus of development; from a single mortgage loan variety to the comprehensive development of loan varieties, showing diversification and enrichment; from the simple pursuit of credit scale growth, To pay attention to comprehensive management efficiency level. Small and micro-enterprise credit business has made rapid progress. At present, our country is in the important moment of the adjustment of social economic structure, the transformation of growth mode and the upgrading of industry. The economic development of small and micro enterprises is faced with a relatively complex situation. In order to improve the development level of credit business of small and micro enterprises and promote the economic development of small and micro enterprises, this paper, based on the relevant theories, analyzes and studies the development of small and micro credit business in Z Bank, and puts forward some suggestions for the development of small and micro credit business. This article is divided into six parts: the first part of the introduction. This paper introduces the research background, research significance, domestic and foreign research status, ideas and methods as well as research innovation and deficiencies and other related content. The second part focuses on the definition of small and micro enterprises, the characteristics of small and micro enterprises' credit business, influencing factors and related theories. The third part reviews the development course of the credit business of the small and micro enterprises in our country, and points out the great significance of the development of the credit business of the small and micro enterprises in our country and the necessity of the development of the credit business of the small and micro enterprises in Z bank. The fourth part introduces the basic situation, business variety and main products of the credit business of small and micro enterprises in Z Bank, expounds the problems and obstacles in the process of developing the credit business of small and micro enterprises in Z Bank, and analyzes the causes of the problems. In the fifth part, combined with the previous research and analysis, the countermeasures and measures for the credit development of small and micro enterprises in Z Bank are put forward. The sixth part summarizes the main conclusions and prospects of this paper.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F832.4
[Abstract]:With the development of social economy in China, the status and role of small and micro enterprises in social economy is becoming more and more important, and has played a positive role in many aspects, such as economic problems, social problems, etc. The state pays more and more attention to the development of microenterprise economy, especially on the financing of small and micro enterprises. The central government and financial regulators have successively issued a number of policies to support the credit of small and micro enterprises. The small and micro-enterprise credit business also obtained the rapid development as a result. Throughout the development of small and micro enterprise credit business, the bank has a profound change in policy support, development direction, development mode, composition structure and other aspects of the small and micro enterprise credit business, and has refused to develop small and micro enterprise credit business from the beginning. Until some joint-stock commercial banks listed it as the focus of development; from a single mortgage loan variety to the comprehensive development of loan varieties, showing diversification and enrichment; from the simple pursuit of credit scale growth, To pay attention to comprehensive management efficiency level. Small and micro-enterprise credit business has made rapid progress. At present, our country is in the important moment of the adjustment of social economic structure, the transformation of growth mode and the upgrading of industry. The economic development of small and micro enterprises is faced with a relatively complex situation. In order to improve the development level of credit business of small and micro enterprises and promote the economic development of small and micro enterprises, this paper, based on the relevant theories, analyzes and studies the development of small and micro credit business in Z Bank, and puts forward some suggestions for the development of small and micro credit business. This article is divided into six parts: the first part of the introduction. This paper introduces the research background, research significance, domestic and foreign research status, ideas and methods as well as research innovation and deficiencies and other related content. The second part focuses on the definition of small and micro enterprises, the characteristics of small and micro enterprises' credit business, influencing factors and related theories. The third part reviews the development course of the credit business of the small and micro enterprises in our country, and points out the great significance of the development of the credit business of the small and micro enterprises in our country and the necessity of the development of the credit business of the small and micro enterprises in Z bank. The fourth part introduces the basic situation, business variety and main products of the credit business of small and micro enterprises in Z Bank, expounds the problems and obstacles in the process of developing the credit business of small and micro enterprises in Z Bank, and analyzes the causes of the problems. In the fifth part, combined with the previous research and analysis, the countermeasures and measures for the credit development of small and micro enterprises in Z Bank are put forward. The sixth part summarizes the main conclusions and prospects of this paper.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F832.4
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4 徐s罱，
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