本文選題：外資銀行 + 小微企業(yè)��； 參考：《上海交通大學》2013年碩士論文

【摘要】：當前的社會經(jīng)濟取得了很大的發(fā)展，小企業(yè)在各國都有著十分重要的地位，在我國當然也是如此。根據(jù)相關的統(tǒng)計，在我國注冊的企業(yè)中，小微企業(yè)的數(shù)量占到了絕大多數(shù)，這一比例達到了99%。在這些微小企業(yè)中，大部分都是民營企業(yè)，其資信狀況以及相應的所有權結構都比較良好。對于銀行業(yè)來說，給予小微企業(yè)貸款能夠更好地促進其穩(wěn)定發(fā)展，還能使其資產負債結構得到良好地改善，對于我國的國民經(jīng)濟的發(fā)展和和諧社會的構建都有著十分巨大的作用。然而，固然中小企業(yè)起著十分重要的作用，在貢獻上也是非常大，但是其面臨著融資難的問題，造成這種狀況的原因是多方面的。不但包括金融機構的利益導向、融資渠道的缺乏，還包括信用擔保的缺失、信息不對稱等因素。對于小微企業(yè)的研究，我國還不是很完善，在這方面發(fā)達國家的研究要完善許多。在上世紀的時候，銀行之間的競爭加劇，存貸利差也不是很明顯，作為亟需的利潤增長點，發(fā)達國家將小微企業(yè)的信貸業(yè)務是其十分看重的一項業(yè)務，且見效非常明顯。本文在對國外先進經(jīng)驗進行介紹的基礎上，對我國的實際情況做了相應的分析，，在此基礎上提出了其存在的問題以及相應的解決措施，希望能夠更好地促進我國小微企業(yè)的發(fā)展。
[Abstract]:The current social economy has made great progress, small enterprises have a very important position in all countries, of course in China. According to the related statistics, in our country registered enterprises, the number of small and micro enterprises accounted for the vast majority, this proportion reached 9910%. In these small enterprises, most of them are private enterprises, their credit status and the corresponding ownership structure are relatively good. For the banking sector, lending to small and micro enterprises can better promote its stability and improve its balance sheet structure. For the development of China's national economy and the construction of a harmonious society has a very great role. However, although small and medium-sized enterprises play a very important role in the contribution is also very large, but it is facing the problem of financing difficulties, this situation is caused by a variety of reasons. Not only the interest orientation of financial institutions, the lack of financing channels, but also the lack of credit guarantee, information asymmetry and other factors. For the research of small and micro enterprises, our country is not very perfect, in this respect, the developed countries should perfect a lot of research. In the last century, competition between banks intensified, deposit and loan spreads are not obvious, as a much-needed profit growth, developed countries will small and micro enterprises credit business is a very important business, and the results are very obvious. Based on the introduction of foreign advanced experience, this paper makes a corresponding analysis of the actual situation of our country, and then puts forward the existing problems and corresponding solutions. Hope to better promote the development of small and micro enterprises in China.
【學位授予單位】：上海交通大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F276.3;F275;F832.4

【參考文獻】

相關期刊論文 前2條

1 黃憲,熊福平;外資銀行在中國發(fā)展的經(jīng)營動機和經(jīng)營策略分析[J];金融研究;2005年02期

2 陳竹;外資銀行的中國富翁計劃[J];中國新聞周刊;2005年34期

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