基于中小企業(yè)融資業(yè)務(wù)的ZS銀行信貸策略研究
發(fā)布時(shí)間：2018-07-17 06:05
【摘要】：根據(jù)2011年的數(shù)據(jù),我國中小企業(yè)占GDP的比重達(dá)到了60%以上,對就業(yè)的貢獻(xiàn)率達(dá)到了85%,中小企業(yè)對我國經(jīng)濟(jì)和社會發(fā)展具有舉足輕重的戰(zhàn)略意義。方面,中小企業(yè)對國民經(jīng)濟(jì)的戰(zhàn)略意義不言自明,另一方面中小企業(yè)的發(fā)展卻長期徘徊在融資難、融資貴的困局中。當(dāng)然中小企業(yè)融資在世界范圍內(nèi)都是一個(gè)難題。本研究旨在立足我國特定的中小企業(yè)發(fā)展環(huán)境現(xiàn)狀和我國當(dāng)前中小企業(yè)融資的特點(diǎn),深入探索我國中小企業(yè)融資的宏觀戰(zhàn)略方向和微觀層次上制度創(chuàng)新和體系構(gòu)建。 通過對國內(nèi)外關(guān)于中小企業(yè)融資問題的理論文獻(xiàn)回顧發(fā)現(xiàn),中小企業(yè)融資難的問題體現(xiàn)在融資渠道狹窄、融資成本高,具體原因包括：風(fēng)險(xiǎn)等級不一致性和信息不對稱性,在信息不對稱下,逆向選擇以及道德風(fēng)險(xiǎn)導(dǎo)致了借貸市場上嚴(yán)重的借貸配給現(xiàn)象；中小企業(yè)特定的發(fā)展階段也是決定其融資難的重要原因,企業(yè)在發(fā)展初期規(guī)模小、信息透明度低,缺乏可抵押資產(chǎn)。 ZS商業(yè)銀行作為我國股份制商業(yè)銀行的代表,對其中小企業(yè)融資業(yè)務(wù)的實(shí)證研究表明,我國目前商業(yè)金融體系不完善,商業(yè)銀行在借貸審核、風(fēng)險(xiǎn)管理、產(chǎn)品創(chuàng)新等方面的發(fā)展還不完善是制約其中小企業(yè)信貸業(yè)務(wù)的主要內(nèi)在原因,而整體社會信用體系的不成熟則是造成我國當(dāng)前中小企業(yè)信貸問題的外在宏觀因素。通過進(jìn)一步對ZS商業(yè)銀行在中小企業(yè)信貸創(chuàng)新方面的案例研究,可以歸納出當(dāng)前商業(yè)銀行對中小企業(yè)信貸業(yè)務(wù)方面比較系統(tǒng)化的解決方案。首先,在宏觀層面上需要通過各種渠道建議國家在宏觀層面加強(qiáng)社會信用體系的建設(shè)和完善；另一方面,在現(xiàn)有的約束條件下,商業(yè)銀行需要從中小企業(yè)數(shù)據(jù)庫建設(shè)等基礎(chǔ)性工作著手,創(chuàng)新中小企業(yè)融資模式和建立中小企業(yè)信貸融資風(fēng)險(xiǎn)管理體系。 通過實(shí)證研究和規(guī)范研究發(fā)現(xiàn),我國中小企業(yè)融資困局的解決確實(shí)是一個(gè)系統(tǒng)性的問題,商業(yè)銀行通過構(gòu)建現(xiàn)代化的風(fēng)險(xiǎn)管理體系和加強(qiáng)在信貸融資各個(gè)環(huán)節(jié)的制度創(chuàng)新和產(chǎn)品創(chuàng)新,政府則通過社會信用體系和多元融資擔(dān)保體系的完善來從宏觀上消除中小企業(yè)信貸融資的瓶頸。在這個(gè)過程中,銀行與政府的互動和溝通則是加快實(shí)現(xiàn)中小企業(yè)信貸融資問題的關(guān)鍵。
[Abstract]:According to the data of 2011, the proportion of small and medium-sized enterprises in GDP has reached more than 60%, and the contribution rate to employment has reached 85%. The small and medium-sized enterprises play an important strategic role in the economic and social development of our country. On the other hand, the development of small and medium-sized enterprises linger in the difficulty of financing for a long time. Of course, SME financing in the world is a difficult problem. The purpose of this study is to explore the macro strategic direction and micro level institutional innovation and system construction of SMEs financing in China, based on the current situation of SMEs' development environment and the characteristics of SMEs' financing in China. By reviewing the domestic and foreign theoretical literature on the financing of SMEs, it is found that the financing difficulties of SMEs are reflected in the narrow financing channels and high financing costs, including the inconsistency of risk levels and the asymmetry of information. Under the asymmetric information, adverse selection and moral hazard lead to the serious loan rationing phenomenon in the loan market, and the special development stage of the small and medium-sized enterprises is also the important reason for the difficulty of financing, and the scale of the enterprise is small in the early stage of development. As the representative of China's joint-stock commercial banks, the empirical research on the financing business of small and medium-sized enterprises of ZS commercial banks shows that the current commercial financial system of our country is not perfect. The imperfections of commercial banks in loan audit, risk management, product innovation and so on are the main internal reasons that restrict the credit business of small and medium-sized enterprises. The immaturity of the whole social credit system is the external macro factor that causes the credit problem of the small and medium-sized enterprises in our country. Through the further case study on the credit innovation of small and medium-sized enterprises in ZS commercial bank, we can conclude that the commercial bank has a more systematic solution to the credit business of small and medium-sized enterprises at present. First of all, at the macro level, it is necessary to advise the country to strengthen the construction and improvement of the social credit system at the macro level through various channels; on the other hand, under the existing constraints, Commercial banks should start with the basic work such as database construction of small and medium-sized enterprises, innovate the financing mode of small and medium-sized enterprises and establish the risk management system of credit financing for small and medium-sized enterprises. Through empirical research and normative research, it is found that the solution to the financing difficulties of small and medium-sized enterprises in China is indeed a systemic problem. Commercial banks through the construction of a modern risk management system and strengthen the credit financing in all aspects of institutional innovation and product innovation, The government eliminates the bottleneck of SME credit financing macroscopically through the perfection of social credit system and multi-financing guarantee system. In this process, the interaction and communication between banks and governments is the key to accelerate the realization of SME credit financing.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F275;F276.3
本文編號：2129336
[Abstract]:According to the data of 2011, the proportion of small and medium-sized enterprises in GDP has reached more than 60%, and the contribution rate to employment has reached 85%. The small and medium-sized enterprises play an important strategic role in the economic and social development of our country. On the other hand, the development of small and medium-sized enterprises linger in the difficulty of financing for a long time. Of course, SME financing in the world is a difficult problem. The purpose of this study is to explore the macro strategic direction and micro level institutional innovation and system construction of SMEs financing in China, based on the current situation of SMEs' development environment and the characteristics of SMEs' financing in China. By reviewing the domestic and foreign theoretical literature on the financing of SMEs, it is found that the financing difficulties of SMEs are reflected in the narrow financing channels and high financing costs, including the inconsistency of risk levels and the asymmetry of information. Under the asymmetric information, adverse selection and moral hazard lead to the serious loan rationing phenomenon in the loan market, and the special development stage of the small and medium-sized enterprises is also the important reason for the difficulty of financing, and the scale of the enterprise is small in the early stage of development. As the representative of China's joint-stock commercial banks, the empirical research on the financing business of small and medium-sized enterprises of ZS commercial banks shows that the current commercial financial system of our country is not perfect. The imperfections of commercial banks in loan audit, risk management, product innovation and so on are the main internal reasons that restrict the credit business of small and medium-sized enterprises. The immaturity of the whole social credit system is the external macro factor that causes the credit problem of the small and medium-sized enterprises in our country. Through the further case study on the credit innovation of small and medium-sized enterprises in ZS commercial bank, we can conclude that the commercial bank has a more systematic solution to the credit business of small and medium-sized enterprises at present. First of all, at the macro level, it is necessary to advise the country to strengthen the construction and improvement of the social credit system at the macro level through various channels; on the other hand, under the existing constraints, Commercial banks should start with the basic work such as database construction of small and medium-sized enterprises, innovate the financing mode of small and medium-sized enterprises and establish the risk management system of credit financing for small and medium-sized enterprises. Through empirical research and normative research, it is found that the solution to the financing difficulties of small and medium-sized enterprises in China is indeed a systemic problem. Commercial banks through the construction of a modern risk management system and strengthen the credit financing in all aspects of institutional innovation and product innovation, The government eliminates the bottleneck of SME credit financing macroscopically through the perfection of social credit system and multi-financing guarantee system. In this process, the interaction and communication between banks and governments is the key to accelerate the realization of SME credit financing.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F275;F276.3
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