【摘要】：大力發(fā)展與創(chuàng)新小微企業(yè)信貸業(yè)務(wù),有效管理風(fēng)險,在我國經(jīng)濟(jì)快速發(fā)展的現(xiàn)階段意義重大。目前我國政府非常重視對小微企業(yè)的扶持,原因在于小微企業(yè)對國民經(jīng)濟(jì)的重要性,小微企業(yè)在經(jīng)濟(jì)總量中占有重要的體量,增加政府財政收入和促進(jìn)科技創(chuàng)新都具有無可替代的作用,特別是增加就業(yè)機會方面,小微企業(yè)扮演著舉足輕重的角色,為社會穩(wěn)定做出了巨大貢獻(xiàn)。我國小微企業(yè)占全國企業(yè)總數(shù)的90%以上,提供了近85%的就業(yè)崗位,對GDP的貢獻(xiàn)度達(dá)到60%,小微企業(yè)的健康發(fā)展對整個國民經(jīng)濟(jì)的發(fā)展具有深遠(yuǎn)的現(xiàn)實意義。然而,小微企業(yè)融資難依然存在,融資缺口巨大、直接融資渠道狹窄,間接融資成本過高的問題仍然困擾著高速發(fā)展的小微企業(yè)群體。就銀行而言,加大對小微企業(yè)的信貸支持可以搶占市場先機,進(jìn)行差異化經(jīng)營,提升自身核心競爭力。作為地方性商業(yè)銀行因為受資本金的約束,在對機構(gòu)客戶、集團(tuán)客戶的營銷過程中與國有商業(yè)銀行的競爭明顯處于劣勢。而地方性商業(yè)銀行往往網(wǎng)點眾多,客戶基礎(chǔ)較好,加大對當(dāng)?shù)匦∥⑵髽I(yè)的信貸支持可以回饋社會,改善當(dāng)?shù)鼐蜆I(yè)環(huán)境,促進(jìn)當(dāng)?shù)亟?jīng)濟(jì)發(fā)展,提升銀行整體形象,同時可以分散風(fēng)險,提高資本回報率。因此,為了體現(xiàn)地方性商業(yè)銀行依靠地方、服務(wù)地方的定位,提出符合云南地方性地域特色的小微企業(yè)信貸模式及風(fēng)險管理的建議,對于地方性商業(yè)銀行的發(fā)展具有現(xiàn)實意義。 本文站在商業(yè)銀行的角度,對小微企業(yè)信貸的發(fā)展現(xiàn)狀、基本概念、流程等方面做出介紹,對比國內(nèi)外小微企業(yè)信貸模式及風(fēng)險控制的研究,提出了符合F銀行創(chuàng)新模式及風(fēng)險管理的意見。本文也特別強調(diào)實際操作的可行性,結(jié)合云南省地方特點,提出了小微企業(yè)信貸模式創(chuàng)新意見,希望可以實現(xiàn)銀企共贏,打造F銀行小微企業(yè)信貸品牌。
[Abstract]:It is of great significance to develop and innovate the credit business of small and micro enterprises and manage the risk effectively at the present stage of the rapid economic development of our country. At present, our government attaches great importance to the support of small and micro enterprises, because of the importance of small and micro enterprises to the national economy, small and micro enterprises occupy an important volume in the total economic volume, increasing government revenue and promoting scientific and technological innovation play an irreplaceable role, especially in increasing employment opportunities, small and micro enterprises play an important role and make great contributions to social stability. Small and micro enterprises in China account for more than 90% of the total number of enterprises in China, providing nearly 85% of the jobs and contributing 60% to GDP. The healthy development of small and micro enterprises is of far-reaching practical significance to the development of the whole national economy. However, the financing difficulties of small and micro enterprises still exist, the financing gap is huge, the direct financing channels are narrow, and the indirect financing cost is too high, which still puzzles the rapid development of small and micro enterprises. As far as banks are concerned, increasing credit support for small and micro enterprises can seize the market first, carry out differentiated management, and enhance their core competitiveness. As a local commercial bank restricted by capital, the competition with state-owned commercial banks in the marketing process of institutional customers and group customers is obviously at a disadvantage. However, local commercial banks often have many outlets and a good customer base. Increasing credit support for local small and micro enterprises can give back to the society, improve the local employment environment, promote the development of the local economy, enhance the overall image of the bank, at the same time, it can spread the risk and improve the rate of return on capital. Therefore, in order to reflect the position of local commercial banks relying on local and serving places, this paper puts forward some suggestions on credit model and risk management of small and micro enterprises in accordance with the local regional characteristics of Yunnan, which is of practical significance for the development of local commercial banks. From the point of view of commercial banks, this paper introduces the development status, basic concepts and processes of small and micro enterprise credit, compares the research on credit model and risk control of small and micro enterprises at home and abroad, and puts forward some suggestions in line with F bank innovation model and risk management. This paper also emphasizes the feasibility of practical operation, combined with the local characteristics of Yunnan Province, puts forward some suggestions on the innovation of credit model of small and micro enterprises, hoping to achieve win-win between banks and enterprises and build the credit brand of F bank small and micro enterprises.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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