本文選題：農(nóng)業(yè)銀行 + 中小企業(yè)��； 參考：《內(nèi)蒙古大學(xué)》2013年碩士論文

【摘要】：在國(guó)家經(jīng)濟(jì)建設(shè)和社會(huì)發(fā)展的道路上中小企業(yè)的地位和作用,對(duì)于任何一個(gè)國(guó)家都是不容質(zhì)疑的,已成為國(guó)民經(jīng)濟(jì)適度增長(zhǎng)、優(yōu)化經(jīng)濟(jì)結(jié)構(gòu)、提高就業(yè)率和促進(jìn)社會(huì)和諧發(fā)展的重要力量。然而,制約我國(guó)中小企業(yè)發(fā)展的瓶頸---資金支持不足,尤其是融資難的問題始終沒有得到實(shí)質(zhì)性解決。所以解決這個(gè)問題需要政府部門、金融機(jī)構(gòu)和社會(huì)中介機(jī)構(gòu)等多方的共同努力與廣泛合作。農(nóng)業(yè)銀行作為連接城鄉(xiāng)、服務(wù)“三農(nóng)”的國(guó)有大型商業(yè)銀行,支持中小企業(yè)發(fā)展,既是經(jīng)營(yíng)之本,也是生存之道。 因此,如何在風(fēng)險(xiǎn)可控的前提下,促進(jìn)中小企業(yè)信貸業(yè)務(wù)的有效發(fā)展,是烏蘭察布市農(nóng)行當(dāng)前最重要、最現(xiàn)實(shí)的發(fā)展課題。本文在國(guó)內(nèi)外研究的基礎(chǔ)上,立足于內(nèi)蒙古烏蘭察布市這一經(jīng)濟(jì)欠發(fā)達(dá)少數(shù)民族地區(qū),以烏蘭察布市農(nóng)業(yè)銀行為視角,以農(nóng)行支持中小企業(yè)發(fā)展情況為研究對(duì)象,指出當(dāng)?shù)刂行∑髽I(yè)發(fā)展過程中遇到的主要瓶頸,結(jié)合其中小企業(yè)的發(fā)展現(xiàn)狀,客觀的分析烏蘭察布市農(nóng)業(yè)銀行對(duì)中小企業(yè)資金支持不足的原因,借鑒國(guó)內(nèi)外銀行對(duì)中小企業(yè)金融支持的成功經(jīng)驗(yàn),從農(nóng)行實(shí)際操作的角度出發(fā),針對(duì)烏蘭察布市發(fā)展中小企業(yè)貸款業(yè)務(wù)存在的問題,系統(tǒng)的提出完善烏蘭察布市農(nóng)業(yè)銀行對(duì)中小企業(yè)資金支持的對(duì)策及思路。 本文采用實(shí)地調(diào)研和統(tǒng)計(jì)分析方法相結(jié)合。理論分析和實(shí)證檢驗(yàn)相結(jié)合的研究方法,以烏蘭察布市農(nóng)業(yè)銀行作為研究對(duì)象,沿著“提出問題、分析問題、解決問題”的思路,進(jìn)而實(shí)現(xiàn)中小企業(yè)貸款業(yè)務(wù)的快速與可持續(xù)發(fā)展,從而達(dá)到銀行與企業(yè)之間的雙贏。
[Abstract]:The status and role of small and medium-sized enterprises on the road of national economic construction and social development is indisputable to any country and has become a moderate growth of the national economy and optimization of the economic structure. Raising employment rate and promoting social harmonious development is an important force. However, the bottleneck that restricts the development of small and medium-sized enterprises in our country is lack of fund support, especially the problem of financing difficulty has never been solved substantively. Therefore, to solve this problem requires the joint efforts and extensive cooperation of government departments, financial institutions and social intermediaries. As a large state-owned commercial bank linking urban and rural areas, serving the "three rural areas" and supporting the development of small and medium-sized enterprises, Agricultural Bank is not only the foundation of operation, but also the way to survive. It is the most important and realistic development subject of Agricultural Bank of Wulanchabu to promote the effective development of credit business of small and medium-sized enterprises. Based on the research at home and abroad, this paper bases on the underdeveloped minority area of Wulanchabu, Inner Mongolia, takes the Agricultural Bank of Wulanchab as the visual angle, takes the Agricultural Bank of China to support the development of small and medium-sized enterprises as the research object. This paper points out the main bottlenecks encountered in the development of local small and medium-sized enterprises, and analyzes objectively the reasons for the lack of financial support for small and medium-sized enterprises by the Agricultural Bank of Wulanchabu, in combination with the present situation of the development of small and medium-sized enterprises. Based on the successful experience of banks at home and abroad in financial support to small and medium-sized enterprises, and from the perspective of AgBank's actual operation, this paper aims at the problems existing in the development of small and medium-sized enterprises' loan business in Wulanchabu. This paper puts forward the countermeasures and train of thought to improve the financial support of small and medium-sized enterprises by the Agricultural Bank of Wulanchabu. This paper combines the field investigation with the statistical analysis method. The research method of combining theoretical analysis with empirical test, taking the Agricultural Bank of Wulanchabu as the research object, follows the train of thought of "raising questions, analyzing problems, solving problems". And then realize the rapid and sustainable development of SME loan business, and achieve a win-win situation between banks and enterprises.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F276.3;F832.4

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本文編號(hào)：1993217