發(fā)布時(shí)間：2018-08-06 14:50

【摘要】：經(jīng)濟(jì)結(jié)構(gòu)的轉(zhuǎn)型使得國(guó)家對(duì)小微企業(yè)有了新的定義與要求,政策的支持、產(chǎn)業(yè)結(jié)構(gòu)調(diào)整、新技術(shù)革命以及商業(yè)模式的創(chuàng)新,這些都給銀行評(píng)估小微企業(yè)帶去了新的挑戰(zhàn)。因此,如何有效收集小微企業(yè)的信息、有效評(píng)估小微企業(yè)發(fā)展?jié)摿κ倾y行小微企業(yè)信貸業(yè)務(wù)的新任務(wù)。2011年6月由工信部、國(guó)家統(tǒng)計(jì)局、發(fā)改委、財(cái)政部聯(lián)合頒布并實(shí)施《中小企業(yè)劃型標(biāo)準(zhǔn)規(guī)定》,在高度重視小微企業(yè)發(fā)展的同時(shí)出臺(tái)了配套的財(cái)政政策、稅收政策。隨后,我國(guó)各大國(guó)有股份制銀行憑借雄厚的資金以及營(yíng)銷策略,主動(dòng)地創(chuàng)新產(chǎn)品種類、提升服務(wù)層次,幫助小微企業(yè)不斷提升、壯大。加強(qiáng)銀行對(duì)小微企業(yè)評(píng)估的判斷有助于我國(guó)各類銀行對(duì)小微企業(yè)信貸業(yè)務(wù)的準(zhǔn)確性和成熟性。小微企業(yè)自身發(fā)展的不穩(wěn)定以及銀行信息不對(duì)稱導(dǎo)致對(duì)小微企業(yè)的辨識(shí)能力較弱。本文以中國(guó)農(nóng)業(yè)銀行股份有限公司常熟分行(以下簡(jiǎn)稱農(nóng)行常熟分行)為研究對(duì)象,由于農(nóng)行常熟分行屬于股份制銀行,目的仍然是為了盈利;因此如何將農(nóng)行常熟分行的盈利和有效支持小微企業(yè)發(fā)展結(jié)合起來,是銀行業(yè)急需解決的問題。首先通過對(duì)國(guó)內(nèi)外商業(yè)銀行對(duì)小微企業(yè)開展信貸業(yè)務(wù)的原因、授信條件進(jìn)行分析,進(jìn)行相應(yīng)的分類、整理,以及對(duì)國(guó)內(nèi)外小微企業(yè)獲取信貸的現(xiàn)狀進(jìn)行認(rèn)識(shí)。其次從農(nóng)行常熟分行目前的小微企業(yè)客戶整體情況說明入手,通過外部經(jīng)營(yíng)環(huán)境、內(nèi)部資源狀況等方面分析,指出在農(nóng)行常熟分行現(xiàn)行的制度下小微企業(yè)難以獲得信貸的原因和農(nóng)行常熟分行管理制度存在的問題,使農(nóng)行常熟分行進(jìn)一步認(rèn)清其現(xiàn)狀。再次通過前文的分析結(jié)果,找出造成這些問題的主要原因,包括銀行業(yè)務(wù)操作機(jī)制的限定和小微企業(yè)自身經(jīng)營(yíng)的特點(diǎn)、包括小微企業(yè)信貸產(chǎn)品短缺等。最后基于當(dāng)前農(nóng)行常熟分行小微企業(yè)客戶信貸業(yè)務(wù)難以獲得信貸的問題和成因,提出針對(duì)性的措施,從而促進(jìn)農(nóng)行常熟分行壯大小微企業(yè)客戶、提升小微企業(yè)信貸業(yè)務(wù)的發(fā)展,使農(nóng)行常熟分行獲得更大的利潤(rùn)空間。本文希望通過對(duì)農(nóng)行常熟分行對(duì)小微企業(yè)信貸的研究,為我國(guó)銀行對(duì)小微企業(yè)信貸業(yè)務(wù)提供案例支持。
[Abstract]:The transformation of economic structure makes the country have new definition and requirement for small and micro enterprises, policy support, industrial structure adjustment, new technology revolution and innovation of business model, all of which bring new challenges for banks to evaluate small and micro enterprises. Therefore, how to effectively collect information on small and micro enterprises and effectively assess their development potential is a new task for the credit business of small and micro enterprises in banks. June 2011, the Ministry of Industry and Information Technology, the National Bureau of Statistics, the National Development and Reform Commission, The Ministry of Finance jointly promulgated and implemented the "Standard for small and Medium-Sized Enterprises", which attached great importance to the development of small and micro enterprises, and at the same time issued a supporting fiscal policy and tax policy. Subsequently, with abundant funds and marketing strategies, the major state-owned joint-stock banks actively innovate product types, upgrade service levels, and help small and micro enterprises continue to upgrade and grow. Strengthening the judgment of small and micro enterprises is helpful to the accuracy and maturity of the credit business of all kinds of banks in China. The instability of the development of small and micro enterprises and the asymmetry of bank information lead to the weak identification ability of small and micro enterprises. This paper takes the Changshu Branch of Agricultural Bank of China (hereinafter referred to as Changshu Branch of Agricultural Bank of China) as the research object, because the Changshu branch of Agricultural Bank of China belongs to the joint-stock bank, the purpose is still to make a profit; Therefore, how to combine the profitability of Agricultural Bank of China Changshu Branch with the effective support for the development of small and micro enterprises is an urgent problem for the banking industry. Firstly, through the analysis of the reasons and credit conditions of domestic and foreign commercial banks to carry out credit business to small and micro enterprises, the corresponding classification and arrangement, as well as the understanding of the present situation of obtaining credit for domestic and foreign small and micro enterprises are carried out. Secondly, starting with the overall situation of small and micro enterprise customers in Changshu Branch of Agricultural Bank of China, and analyzing the external business environment and internal resource situation, The paper points out the reasons why it is difficult for small and micro enterprises to obtain credit under the current system of Agricultural Bank of China Changshu Branch and the problems existing in the management system of Agricultural Bank of China Changshu Branch. Through the above analysis, we find out the main causes of these problems, including the limitation of banking operation mechanism and the characteristics of small and micro enterprises' own operation, including the shortage of credit products for small and micro enterprises. Finally, based on the current problems and causes of the difficulty in obtaining credit for small and micro enterprises in Changshu Branch of Agricultural Bank of China, this paper puts forward targeted measures to promote the development of credit business of small and micro enterprises in Changshu Branch of Agricultural Bank of China, which will strengthen the customers of small and micro enterprises and promote the development of credit business of small and micro enterprises. Agricultural Bank of Changshu branch to obtain greater profit space. This paper hopes to provide case support for the credit of small and micro enterprises in China by studying the credit of small and micro enterprises in Changshu Branch of Agricultural Bank of China.
【學(xué)位授予單位】：蘭州理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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