【摘要】：小微企業(yè)占我國企業(yè)總數的99%，，貢獻了中國60%的GDP和50%的稅收，在促進我國經濟穩(wěn)增長、擴內需、調結構方面所起到的重要作用日益凸顯，對于提升我國經濟活力，增加財稅收入、擴大就業(yè)、促進實體經濟健康發(fā)展等方面發(fā)揮著不可替代的作用。與此同時，小微企業(yè)也面臨著轉型升級難、成本高、技術低，尤其融資難等問題，這已成為制約小微企業(yè)生存和發(fā)展的瓶頸。特別是在一輪又一輪經濟劇烈波動中，小微企業(yè)抵御外部風險能力差，融資難導致小微企業(yè)生存難的問題更加凸顯，小微企業(yè)生產、經營、周轉、擴大規(guī)模等都需要資金支持，而銀行業(yè)作為資金供給的主要載體，自然成為小微企業(yè)的眾多融資工具中，最重要的渠道。 與此同時，拓展小微企業(yè)信貸業(yè)務對銀行來講，既可以調整和優(yōu)化信貸結構，尋找新的利潤增長點，又可以提升可持續(xù)發(fā)展水平，實現(xiàn)銀行業(yè)穩(wěn)健運行。 因此可以說，銀行業(yè)加強對小微企業(yè)的信貸支持力度，提升銀行業(yè)小微企業(yè)信貸政策執(zhí)行效果，是實現(xiàn)銀行業(yè)與小微企業(yè)共同發(fā)展的雙贏選擇，具有重要而深遠的現(xiàn)實意義。 本文主要分為七個部分。第一部分闡述了研究銀行業(yè)小微企業(yè)信貸政策執(zhí)行的重要意義；第二部分介紹了松原市銀行業(yè)和小微企業(yè)發(fā)展現(xiàn)狀；第三部分以圖表格式列舉了銀行業(yè)小微企業(yè)信貸政策的主要內容；第四部分從信貸投放力度、機構準入、審批效率、定價收費、激勵約束機制和創(chuàng)新六個方面列舉了松原市銀行業(yè)小微企業(yè)信貸政策執(zhí)行實踐；第五部分詳細分析了松原市銀行業(yè)小微企業(yè)信貸政策執(zhí)行偏差的表現(xiàn)及原因；第六部分提出了提升松原市銀行業(yè)小微企業(yè)信貸政策執(zhí)行的選擇；第七部分指出了論文存在的問題和不足。
[Abstract]:Small and micro enterprises account for 99% of the total number of enterprises in our country. They contribute 60% of China's GDP and 50% of the tax revenue. They play an increasingly important role in promoting stable economic growth, expanding domestic demand, and adjusting the structure of China's economy, and play an increasingly important role in promoting the economic vitality of our country. Increasing revenue, expanding employment and promoting the healthy development of real economy play an irreplaceable role. At the same time, small and micro enterprises are also faced with the difficulties of transformation and upgrading, high cost, low technology, especially difficult financing, which has become a bottleneck restricting the survival and development of small and micro enterprises. In particular, in the fierce fluctuations of the economy round after round, the small and micro enterprises have poor ability to resist external risks, and the difficulty of financing leads to the difficulty of survival of the small and micro enterprises. The production, operation, turnover and expansion of the scale of the small and micro enterprises all need financial support. Banking, as the main carrier of capital supply, naturally becomes the most important channel of many financing tools for small and micro enterprises. At the same time, expanding the credit business of small and micro enterprises can not only adjust and optimize the credit structure, search for new profit growth point, but also improve the level of sustainable development and realize the steady operation of the banking industry. Therefore, it can be said that strengthening the credit support to the small and micro enterprises and improving the implementation effect of the credit policy of the small and micro enterprises in the banking industry is a win-win choice for the joint development of the banking industry and the small and micro enterprises, which has important and far-reaching practical significance. This paper is divided into seven parts. The first part expounds the significance of the research on the implementation of the credit policy of the small and micro enterprises in the banking industry, the second part introduces the present situation of the development of the banking industry and the small and micro enterprises in Songyuan City. The third part lists the main contents of the credit policy of small and micro enterprises in the banking industry. The fourth part enumerates the implementation practice of credit policy of small and micro enterprises in Songyuan City from six aspects: the strength of credit, institutional access, efficiency of examination and approval, pricing and charging, incentive and restraint mechanism and innovation. The fifth part analyzes the performance and reasons of credit policy deviation of small and micro enterprises in Songyuan city banking industry, the sixth part puts forward the choice of how to improve the implementation of credit policy of small and micro enterprises in Songyuan banking industry. The seventh part points out the problems and shortcomings of the thesis.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3

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