【摘要】：我國(guó)的中小企業(yè)已經(jīng)成為國(guó)民經(jīng)濟(jì)中十分活躍的力量,但是中小企業(yè)融資問(wèn)題卻日益成為制約中小企業(yè)發(fā)展的“瓶頸”。大多數(shù)學(xué)者認(rèn)為,存在著大銀行對(duì)大企業(yè)貸款,中小銀行對(duì)中小企業(yè)貸款的格局。一般認(rèn)為,大銀行偏向于向大企業(yè)提供貸款,而中小企業(yè)貸款只能由中小銀行提供。在我國(guó)銀行結(jié)構(gòu)中,大型銀行占主導(dǎo)地位,中小銀行發(fā)展不足,這成為制約中小企業(yè)貸款的一個(gè)重要因素。本文通過(guò)對(duì)中國(guó)銀行甘肅分行中小企業(yè)信貸業(yè)務(wù)的全面介紹,得出大銀行也可發(fā)展中小企業(yè)信貸業(yè)務(wù),并且這將成為大銀行新的利潤(rùn)增長(zhǎng)點(diǎn)。本文首先簡(jiǎn)要介紹了我國(guó)的中小企業(yè)界定和其貸款現(xiàn)狀,分析了貸款難的原因,主要是其資金需求具有特殊性,銀企信息不對(duì)稱(chēng),抵押擔(dān)保難,銀行的激勵(lì)機(jī)制不健全,銀行貸款產(chǎn)品缺乏創(chuàng)新；第二部分從外部環(huán)境和內(nèi)部發(fā)展多角度分析了發(fā)展中小企業(yè)信貸業(yè)務(wù)是中國(guó)銀行甘肅分行的戰(zhàn)略選擇,并介紹了現(xiàn)階段所取得的成果；第三部分介紹了中國(guó)銀行甘肅分行中小企業(yè)貸款的流程和實(shí)際操作中應(yīng)當(dāng)采取的措施和注意的問(wèn)題；第四部分重點(diǎn)研究了中國(guó)銀行甘肅分行中小企業(yè)信貸業(yè)務(wù)的創(chuàng)新途徑,包括信貸模式的引入,產(chǎn)品和組織體系的創(chuàng)新；第五部分通過(guò)目標(biāo)客戶的選擇方式,營(yíng)銷(xiāo)模式,人才培養(yǎng)和品牌樹(shù)立等方面給出了中國(guó)銀行甘肅分行今后發(fā)展中小企業(yè)信貸業(yè)務(wù)的建議。通過(guò)本文的論證,對(duì)于中國(guó)銀行今后的中小企業(yè)業(yè)務(wù)發(fā)展以及公司金融業(yè)務(wù)轉(zhuǎn)型具有一定的現(xiàn)實(shí)意義。
[Abstract]:Small and medium-sized enterprises in China have become a very active force in the national economy, but the financing of small and medium-sized enterprises has increasingly become a bottleneck restricting the development of small and medium-sized enterprises. Most scholars believe that there is a pattern of loans from large banks to large enterprises and loans from small and medium-sized banks to small and medium-sized enterprises. It is generally believed that large banks prefer to provide loans to large enterprises, while loans to small and medium-sized enterprises can only be provided by small and medium-sized banks. In the banking structure of our country, large banks occupy the dominant position, and the development of small and medium-sized banks is insufficient, which has become an important factor restricting the loans of small and medium-sized enterprises. Through the comprehensive introduction of the credit business of small and medium-sized enterprises in Gansu Branch of the Bank of China, this paper concludes that the big banks can also develop the credit business of small and medium-sized enterprises, and this will become a new profit growth point of the big banks. First of all, this paper briefly introduces the definition of small and medium-sized enterprises in China and the present situation of their loans, and analyzes the reasons for the difficulty of loans, mainly because of the particularity of their capital demand, the asymmetry of information between banks and enterprises, the difficulty of mortgage guarantee, and the imperfect incentive mechanism of banks. Lack of innovation in bank loan products; The second part analyzes that the development of credit business of small and medium-sized enterprises is the strategic choice of Bank of China Gansu Branch from the perspective of external environment and internal development, and introduces the achievements made at the present stage. The third part introduces the process of loan for small and medium-sized enterprises in Gansu Branch of the Bank of China and the measures that should be taken and the problems that should be paid attention to in the actual operation. The fourth part focuses on the innovative ways of credit business for small and medium-sized enterprises in Gansu Branch of the Bank of China, including the introduction of credit model, the innovation of products and organizational system. The fifth part gives some suggestions on the development of credit business of small and medium-sized enterprises in Gansu Branch of China in the future through the selection of target customers, marketing mode, talent training and brand establishment. Through the argument of this paper, it has certain practical significance for the business development of small and medium-sized enterprises and the transformation of financial business of Bank of China in the future.
【學(xué)位授予單位】：蘭州大學(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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