本文關(guān)鍵詞： 小微企業(yè) 金融服務(wù) 融資　出處：《安徽大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：一直以來,受主客觀因素的影響,小微企業(yè)在金融資源可得性和服務(wù)時效性上突出表現(xiàn)為獲得難和手續(xù)煩,小微企業(yè)金融服務(wù)的質(zhì)效成為社會輿論關(guān)注的焦點。一方面國家連續(xù)出臺扶持政策,建立了正向的激勵機制,為小微企業(yè)的發(fā)展提供了思路和空間;另一方面金融機構(gòu)從爭取利潤、市場拓展、轉(zhuǎn)型發(fā)展等方面考慮,主動將小微企業(yè)市場作為戰(zhàn)略選擇,大力拓展小微企業(yè)金融業(yè)務(wù)。市域、縣域是小微企業(yè)創(chuàng)立和成長最多和最快的區(qū)域,在限定的區(qū)域內(nèi),小微企業(yè)發(fā)展的地域特征比較明顯且發(fā)展需求趨同,金融機構(gòu)的類型在較長一段時間內(nèi)相對穩(wěn)定,小微企業(yè)金融服務(wù)的需求主要表現(xiàn)為對融資服務(wù)的需求,往往訴之于銀行機構(gòu),銀行機構(gòu)服務(wù)的能力、效果、效率很大程度的決定了一個地區(qū)小微企業(yè)金融服務(wù)的發(fā)展水平,衡量的標準主要看:是否滿足和不斷適應(yīng)大多數(shù)小微企業(yè)對于金融服務(wù)的有效需求,一定時期內(nèi)小微企業(yè)成長為中大型企業(yè)以及長成為優(yōu)質(zhì)小微企業(yè)的數(shù)量,銀行機構(gòu)在服務(wù)小微企業(yè)的過程中是否實現(xiàn)了自身穩(wěn)健發(fā)展和盈利的提高等等。同時,相關(guān)監(jiān)管部門包括銀監(jiān)部門和地方政府相關(guān)部門對推進小微企業(yè)金融服務(wù)的助力也必不可少。本文從對區(qū)域性小微企業(yè)金融服務(wù)問題的研究出發(fā),連接黃山市小微企業(yè)金融服務(wù)的需求端和供給端,關(guān)注小微企業(yè)生存發(fā)展、融資降本的現(xiàn)實狀況,分析小微企業(yè)金融服務(wù)供給與支持的現(xiàn)狀和問題,結(jié)合最新的政策導(dǎo)向和地域?qū)嶋H,提出可行性對策,致力于緩解小微企業(yè)資金難獲、途徑不通等服務(wù)質(zhì)效不高的問題,并希望對具有相似市情的地區(qū)產(chǎn)生有益影響。目前,在黃山市小微企業(yè)金融服務(wù)工作中,各相關(guān)主體不僅作為而且有為。金融機構(gòu)作為小微企業(yè)金融服務(wù)的直接供給者,在金融支持上建立小微企業(yè)專營機構(gòu),不斷拓展小微企業(yè)金融服務(wù)覆蓋面;推出推廣各類產(chǎn)品,不斷提升小微企業(yè)對金融產(chǎn)品和服務(wù)的選擇性和適用度。相關(guān)監(jiān)管部門作為服務(wù)的間接供給者,完善配套機制建設(shè),持續(xù)創(chuàng)建小微企業(yè)金融服務(wù)良好環(huán)境。經(jīng)濟穩(wěn)中向好,小微企業(yè)的有效需求回升,服務(wù)的有效供給不斷跟進。但是,在服務(wù)小微企業(yè)的過程中,部分金融機構(gòu)尤其是基層的銀行機構(gòu)確立了戰(zhàn)略導(dǎo)向卻沒有轉(zhuǎn)變服務(wù)姿態(tài),設(shè)立了專營機構(gòu)卻沒有配備充分的支撐資源,推出了小微企業(yè)產(chǎn)品和服務(wù)模式卻沒有建立或優(yōu)化相應(yīng)的業(yè)務(wù)流程,不斷挖掘和拓展客戶卻沒有采取有效的風(fēng)控手段,差態(tài)度、激勵弱、低效率、風(fēng)險易的情況仍然存在。政策效應(yīng)減弱、協(xié)調(diào)共享差、輿論引導(dǎo)缺等問題日益顯現(xiàn),小微企業(yè)金融服務(wù)較需求較預(yù)期仍有差距。鑒于上述問題,本文結(jié)合黃山市小微企業(yè)發(fā)展和金融服務(wù)現(xiàn)狀,提出了完善黃山市小微企業(yè)金融服務(wù)的基本措施。建議金融機構(gòu)應(yīng)該不斷完善組織構(gòu)架、緊跟政策導(dǎo)向、明確目標客戶、識別有效需求、強化風(fēng)險管控等,發(fā)揮優(yōu)勢和主動,在服務(wù)態(tài)度、服務(wù)動力、服務(wù)形式、服務(wù)效率和融資后續(xù)服務(wù)等方面再進一步;相關(guān)監(jiān)管部門應(yīng)該有效發(fā)揮聯(lián)動合力,確保建章立制、強化配套配合,創(chuàng)建良好的政策環(huán)境、信用環(huán)境和輿論環(huán)境;小微企業(yè)應(yīng)該加強自身建設(shè),通過建立健全制度、累積善積信用、堅持堅守實業(yè)等有效措施提高確保生存、穩(wěn)定經(jīng)營和謀求發(fā)展的能力。
[Abstract]:Has been affected by subjective and objective factors, Small and micro businesses availability and timeliness of service outstanding performance is difficult to obtain and complicated procedure in the financial resources, the quality and efficiency of Small and micro businesses in financial services has become the focus of public opinion. On the one hand, the national support policies, establishing the incentive mechanism of positive. Provide ideas and space for the development of Small and micro businesses; on the other hand from financial institutions for profit, market development, transformation and development, the initiative will be Small and micro businesses market as a strategic choice, vigorously expand Small and micro businesses in financial services. The city, the county is Small and micro businesses and created the largest and fastest growing in the region, in the limited area, the regional characteristics of Small and micro businesses development is obvious and the needs of the development of convergence, types of financial institutions is relatively stable for a long period of time, Small and micro businesses financial services demand mainly for On the demand for financing services, often appeal to banks, bank service ability, effect, efficiency largely determines a region Small and micro businesses financial services development level, the standard mainly depends on whether to meet and adapt to most Small and micro businesses for the effective demand for financial services, within a certain period of time. Small and micro businesses grow into large enterprises and become the number of high-quality Small and micro businesses, banking institutions in the service Small and micro businesses in the process of whether to realize its stable development and increase profits and so on. At the same time, the relevant regulatory authorities including the banking department and the relevant departments of the local governments is indispensable in promoting Small and micro businesses in financial services help. Based on regional small micro enterprise financial services research of the problem, connecting Huangshan City Small and micro businesses financial services demand side and the supply side, focus on small and micro enterprises The survival and development of industry, the financing situation falls, analysis on the status quo and problems Small and micro businesses supply of financial services and support, combined with the new policy and regional practice, put forward feasible measures, efforts to mitigate Small and micro businesses to be blocked funds, ways of service quality is not high, and I hope useful effect of similar city area in Huangshan City. At present, Small and micro businesses in financial services, the main body and not only as promising. Financial institutions as a small micro enterprise financial services supply directly, in financial support to establish specialized institutions Small and micro businesses, expanding the coverage of financial services Small and micro businesses launched promotion; all kinds of products, and constantly improve the selectivity of Small and micro businesses for financial products and services and applicability. The relevant regulatory authorities as an indirect supply of services, improve the supporting mechanism construction, continue to create Small and micro businesses financial services in a good environment. The good steady economic, effective demand Small and micro businesses rebound, the effective supply of services continue to follow up. However, in the service Small and micro businesses in the process, some financial institutions especially the grassroots banking institutions have established a strategic orientation does not change the service attitude, the establishment of specialized institutions but not equipped with sufficient resources support, launched a product and service model Small and micro businesses did not establish or optimize the business process, constantly excavate and expand the customer did not take effective means of risk control, poor attitude, low efficiency, weak incentive, risk situation still exists. The policy effect is weakened, coordinating and sharing. The lack of public opinion is becoming increasingly obvious, Small and micro businesses financial services more than expected demand there is still a gap. In view of the above problems, combining with the development of Small and micro businesses and financial services in Huangshan City, put forward Huangshan City small and micro enterprises to improve the basic measures of financial services. Financial institutions should continue to improve the organizational structure, followed by policy oriented, clear target customers, identify effective demand, strengthen risk management, and give full play to the advantages of active service in the service, attitude, motivation, service, service efficiency and financing Follow-Up Services etc. further; the relevant regulatory authorities should be effectively linked together, to ensure the jianzhanglizhi, strengthen supporting cooperation, create a good policy environment, credit environment and public opinion; Small and micro businesses should strengthen their own construction, through the establishment of a sound system, accumulation of good credit product, to ensure the survival of industrial and other effective measures to improve the operation ability and stability. Seeking development.

【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F276.3;F832

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