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

【摘要】：隨著世界經(jīng)濟(jì)一體化的進(jìn)程加快,我國(guó)的經(jīng)濟(jì)也得到了迅猛發(fā)展,其中屬小型與微型企業(yè)的發(fā)展最為迅速,現(xiàn)如今小微企業(yè)已經(jīng)成為我國(guó)創(chuàng)建和諧社會(huì)與發(fā)展社會(huì)主義經(jīng)濟(jì)的重要支柱。小微企業(yè)為我國(guó)實(shí)現(xiàn)經(jīng)濟(jì)快速增長(zhǎng)、促進(jìn)市場(chǎng)繁榮、鼓勵(lì)技術(shù)創(chuàng)新和擴(kuò)大基層就業(yè)奠定了重要的基石,其靈活的轉(zhuǎn)向運(yùn)行機(jī)制和較強(qiáng)的市場(chǎng)適應(yīng)能力,大力的推動(dòng)了我國(guó)體制改革、經(jīng)濟(jì)發(fā)展、社會(huì)和諧和對(duì)外開(kāi)放的局面。小微企業(yè)的影響之深遠(yuǎn),尤其表現(xiàn)在優(yōu)化我國(guó)經(jīng)濟(jì)結(jié)構(gòu)、提高市場(chǎng)效率、完善市場(chǎng)經(jīng)濟(jì)體制等諸多方面。 但是目前我國(guó)的商業(yè)銀行信貸業(yè)務(wù)正面臨著嚴(yán)峻的考驗(yàn)和殘酷的競(jìng)爭(zhēng),隨著世界各國(guó)金融市場(chǎng)的快速發(fā)展和我國(guó)對(duì)外開(kāi)放的程度不斷提高,現(xiàn)今的金融產(chǎn)品已經(jīng)不能滿(mǎn)足社會(huì)經(jīng)濟(jì)生活的實(shí)際需求。在這種壓力重重,競(jìng)爭(zhēng)激烈的環(huán)境下,“藍(lán)�！弊鳛樾乱淮男刨J戰(zhàn)略產(chǎn)品應(yīng)運(yùn)而生。為順應(yīng)現(xiàn)代經(jīng)濟(jì)形勢(shì),ZGS銀行寧夏分行將調(diào)整業(yè)務(wù)結(jié)構(gòu),在信貸業(yè)務(wù)上尋找新的目標(biāo),全面開(kāi)拓小微企業(yè)信貸業(yè)務(wù)市場(chǎng)。 本論文圍繞ZGS銀行為小微企業(yè)提供創(chuàng)新性信貸業(yè)務(wù)為中心。通過(guò)對(duì)國(guó)內(nèi)外商業(yè)銀行針對(duì)中小企業(yè)信貸業(yè)務(wù)的研究、實(shí)施現(xiàn)狀,探討商業(yè)銀行開(kāi)展小微企業(yè)信貸業(yè)務(wù)的必要性,深入分析ZGS銀行寧夏分行在促進(jìn)小微企業(yè)信貸業(yè)務(wù)中出現(xiàn)的一系列問(wèn)題,提出ZGS銀行小微企業(yè)新型信貸業(yè)務(wù)的發(fā)展策略,創(chuàng)新小微企業(yè)信貸支持業(yè)務(wù)的優(yōu)化模式,從而使ZGS銀行在小微企業(yè)信貸業(yè)務(wù)占據(jù)一席之地,完善業(yè)務(wù)結(jié)構(gòu),增強(qiáng)ZGS銀行在業(yè)內(nèi)的市場(chǎng)競(jìng)爭(zhēng)力,使ZGS銀行發(fā)展的更大、更強(qiáng)。
[Abstract]:With the acceleration of the process of world economic integration, China's economy has also been rapidly developed, among which small and micro enterprises have the most rapid development. Nowadays, small and micro enterprises have become an important pillar of building a harmonious society and developing socialist economy in our country. Small and micro enterprises have laid an important foundation for our country to achieve rapid economic growth, promote market prosperity, encourage technological innovation and expand grass-roots employment. Vigorously promote our country's system reform, economic development, social harmony and opening to the outside world. The influence of small and micro enterprises is far-reaching, especially in optimizing our country's economic structure, improving market efficiency, perfecting market economy system and so on. However, at present, the credit business of commercial banks in our country is facing a severe test and cruel competition. With the rapid development of financial markets in various countries of the world and the continuous improvement of the degree of our country's opening to the outside world, Today's financial products have not been able to meet the actual needs of social and economic life. In this kind of pressure, the fierce competition environment, "Blue Sea" as a new generation of credit strategy products came into being. In order to adapt to the modern economic situation, ZGS Bank Ningxia Branch will adjust its business structure, look for new targets in credit business, and fully open up the credit market of small and micro enterprises. This thesis centers around ZGS Bank to provide innovative credit business for small and micro enterprises. Through the research of domestic and foreign commercial banks aiming at the credit business of small and medium-sized enterprises, the paper discusses the necessity of developing the small and micro enterprise credit business in commercial banks. This paper deeply analyzes a series of problems in promoting the credit business of small and micro enterprises in Ningxia Branch of ZGS Bank, puts forward the development strategy of the new type of credit business of small and micro enterprises of ZGS Bank, and innovates the optimization mode of credit support business of small and micro enterprises. So that ZGS bank in the small and micro enterprise credit business occupy a place, improve the business structure, enhance the market competitiveness of ZGS bank in the industry, make the development of ZGS bank bigger and stronger.
【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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