本文選題：小微企業(yè) + 信貸��； 參考：《西北大學(xué)》2013年碩士論文

【摘要】：在我國(guó),小微企業(yè)是市場(chǎng)經(jīng)濟(jì)中最具生機(jī)和活力的群體之一,對(duì)國(guó)民經(jīng)濟(jì)發(fā)展具有舉足輕重的作用,其不管是在產(chǎn)品技術(shù)的創(chuàng)新、產(chǎn)業(yè)結(jié)構(gòu)的調(diào)整、區(qū)域經(jīng)濟(jì)的崛起、和諧社會(huì)的建立等方面,還是在就業(yè)的解決和農(nóng)村勞動(dòng)力的轉(zhuǎn)移方面都發(fā)揮著重要作用。然而,融資難一直是制約小微企業(yè)生存、發(fā)展的主要障礙。尤其在全球性金融危機(jī)下,小微企業(yè)的生產(chǎn)經(jīng)營(yíng)活動(dòng)受到嚴(yán)重的沖擊,融資難、貸款難、資金短缺等問(wèn)題顯得更加突出。 小微企業(yè)在我國(guó)的經(jīng)濟(jì)發(fā)展中占有非常重要的地位。本文對(duì)小微企業(yè)作了科學(xué)的界定,并分析了小微企業(yè)在發(fā)展歷程中極易出現(xiàn)融資困難等一系列問(wèn)題。此外,在我國(guó)商業(yè)銀行相關(guān)業(yè)務(wù)中,小微企業(yè)的信貸業(yè)務(wù)存在著一系列的問(wèn)題,比如銀行一般不愿意給小微企業(yè)貸款。此外,本文利用信息不對(duì)稱(chēng)原理分析了銀行惜貸的原因,探討了小微企業(yè)信貸制度存在的缺點(diǎn)。說(shuō)明小微企業(yè)信貸機(jī)制創(chuàng)新的重要性,并對(duì)我國(guó)有關(guān)機(jī)構(gòu)對(duì)小微企業(yè)信貸政策進(jìn)行了深入的分析研究。 最后,深入分析了中信銀行杭州分行對(duì)小微企業(yè)的信貸所做的創(chuàng)新性改革。尤其是該分行針對(duì)流通型小微企業(yè)信貸的創(chuàng)新性工作。文中通過(guò)SWOT分析法對(duì)中信銀行杭州分行的信貸創(chuàng)新現(xiàn)狀進(jìn)行詳細(xì)分析,提出該分行當(dāng)前存在的問(wèn)題,并在此基礎(chǔ)上提出創(chuàng)新模式。在文章結(jié)尾,對(duì)該商業(yè)銀行設(shè)計(jì)的業(yè)務(wù)創(chuàng)新模式提出保障措施,以保障切實(shí)可行,期望能夠?qū)⒃撃Ｊ较蛉珖?guó)所有的中小銀行推廣。
[Abstract]:In China, small and micro enterprises are one of the most dynamic and dynamic groups in the market economy, and play an important role in the development of national economy, whether in the innovation of product technology, the adjustment of industrial structure, the rise of regional economy. The establishment of a harmonious society also plays an important role in the settlement of employment and the transfer of rural labor force. However, the difficulty of financing has been the main obstacle to the survival and development of small and micro enterprises. Especially in the global financial crisis, the production and management activities of small and micro enterprises are seriously impacted, financing is difficult, loans are difficult, capital shortage and other problems appear more prominent. Small and micro enterprises play a very important role in the economic development of our country. This paper gives a scientific definition of small and micro enterprises, and analyses a series of problems such as the difficulty of financing in the course of development of small and micro enterprises. In addition, there are a series of problems in the credit business of the small and micro enterprises in China, such as the banks are generally unwilling to lend to the small and micro enterprises. In addition, this paper analyzes the reasons of banks' reluctance to lend by using the principle of information asymmetry, and probes into the shortcomings of the credit system of small and micro enterprises. This paper explains the importance of the innovation of credit mechanism of small and micro enterprises, and makes an in-depth analysis and study on the credit policy of small and micro enterprises in China. Finally, the innovative reform of credit for small and micro enterprises by Hangzhou Branch of CITIC Bank is analyzed. In particular, the branch aimed at the circulation of small and micro-enterprise credit innovation work. This paper analyzes the credit innovation status of Hangzhou branch of CITIC Bank through SWOT analysis, puts forward the existing problems of the branch, and puts forward the innovation mode on the basis of it. At the end of the article, the paper puts forward the safeguard measures for the business innovation model designed by the commercial bank, in order to ensure the practicability, and expects that the model can be extended to all the small and medium-sized banks in the country.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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