【摘要】：中小微企業(yè)作為國(guó)民經(jīng)濟(jì)不可缺少的一部分,對(duì)社會(huì)主義市場(chǎng)經(jīng)濟(jì)的發(fā)展起著不可替代的作用。然而,作為中小微企業(yè)生產(chǎn)要素的最關(guān)鍵組成部分—一資本,卻在某種程度上制約著中小企業(yè)的發(fā)展。解決中小微企業(yè)融資難題,可以為中小微企業(yè)提供更有效的資金獲得渠道,從而發(fā)揮中小微企業(yè)的力量,促進(jìn)國(guó)民經(jīng)濟(jì)多元化健康的發(fā)展。 本文以關(guān)系型貸款為研究對(duì)象,力圖分析關(guān)系型貸款對(duì)于解決中小微企業(yè)融資難題的作用。在總結(jié)和歸納國(guó)內(nèi)外相關(guān)研究成果的基礎(chǔ)上,做了如下工作：首先介紹了中小微企業(yè)的定義和劃分范圍,并分析了中小微企業(yè)融資的特性,介紹了中小微企業(yè)融資的相關(guān)理論基礎(chǔ)。然后,介紹了關(guān)系型貸款的基本原理,并分別從資金供求、成本收益與博弈論三個(gè)角度,對(duì)關(guān)系型貸款解決中小微企業(yè)貸款難題作出了經(jīng)濟(jì)學(xué)解釋。接著,從實(shí)踐的角度出發(fā),在總結(jié)歸納美、日、德三國(guó)關(guān)系型貸款發(fā)展模式的基礎(chǔ)上,對(duì)我國(guó)發(fā)展中小微企業(yè)關(guān)系型貸款的模式進(jìn)行分析,為模式的選擇提出了一定建議,并對(duì)當(dāng)前我國(guó)關(guān)系型貸款的具體運(yùn)用模式進(jìn)行了分析。最后,以上海銀行為案例,對(duì)其運(yùn)用關(guān)系型貸款原理開展中小微企業(yè)貸款業(yè)務(wù)進(jìn)行了研究,分別從經(jīng)營(yíng)策略、產(chǎn)品設(shè)計(jì)、組織構(gòu)架、業(yè)務(wù)流程等方面進(jìn)行介紹,并對(duì)某中小微企業(yè)關(guān)系型貸款決策的實(shí)際案例進(jìn)行評(píng)述,指出上海銀行在開展中小微企業(yè)關(guān)系型貸款中取得的成效,存在的不足,并提出相應(yīng)的改進(jìn)建議。
[Abstract]:As an indispensable part of national economy, small and medium enterprises play an irreplaceable role in the development of socialist market economy. However, as the most important component of production factor, capital restricts the development of small and medium-sized enterprises to some extent. To solve the financing problem of small and medium-sized enterprises, we can provide more effective channels of obtaining funds for small and medium-sized enterprises, so as to give full play to the strength of small and medium-sized enterprises and promote the healthy development of national economy. This paper takes relational loans as the research object, and tries to analyze the role of relational loans in solving the financing problems of small and medium-sized enterprises. On the basis of summarizing and summarizing the related research results at home and abroad, the following works are done: firstly, the definition and scope of SMEs are introduced, and the characteristics of financing of MSMEs are analyzed. This paper introduces the theoretical basis of financing for small and medium enterprises. Then, the basic principle of relational loan is introduced, and the economic explanation is given from three angles of capital supply and demand, cost benefit and game theory. Then, from the point of view of practice, on the basis of summing up the development model of the relationship loan between the United States, Japan and Germany, the author analyzes the model of the relationship loan of the developing small and medium-sized enterprises in our country, and puts forward some suggestions for the choice of the model. At the same time, it analyzes the concrete application mode of the relationship loan in our country. Finally, taking Shanghai Bank as a case, the paper studies the application of relational loan principle to small and medium-sized enterprise loan business, respectively from the aspects of management strategy, product design, organization framework, business process, etc. This paper also reviews the actual case of relationship loan decision in a small and medium-sized enterprise, points out the achievements and shortcomings of Shanghai Bank in carrying out the relationship loan of small and medium enterprises, and puts forward corresponding suggestions for improvement.
【學(xué)位授予單位】：華東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F275;F832.4

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