本文關(guān)鍵詞：大型銀行支持小微企業(yè)發(fā)展的對(duì)策研究　出處：《河北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：近幾年，在國家不斷進(jìn)行經(jīng)濟(jì)結(jié)構(gòu)調(diào)整與大型商業(yè)銀行自身調(diào)整戰(zhàn)略結(jié)構(gòu)的背景下，大型銀行對(duì)小微企業(yè)的關(guān)注不斷加強(qiáng)，分別設(shè)立了小微企業(yè)部門，開發(fā)新產(chǎn)品解決小微企業(yè)融資問題。但是由于開展小微企業(yè)業(yè)務(wù)對(duì)于大型銀行來是一項(xiàng)新的挑戰(zhàn)，并不能從自身還不成熟的零售業(yè)務(wù)中汲取多少經(jīng)驗(yàn)，從而不能形成有效的配合達(dá)到相互促進(jìn)的發(fā)展。因此，研究大型銀行針對(duì)小微企業(yè)的對(duì)策，使其走上可持續(xù)的發(fā)展道路，對(duì)于大型銀行乃至我國經(jīng)濟(jì)結(jié)構(gòu)調(diào)整都具有重要的意義。 本文認(rèn)為我國小微企業(yè)融資難的問題不同于其他國家，，有其自身的特點(diǎn)，在這一問題上，政府、小微企業(yè)、銀行及其他金融機(jī)構(gòu)等都有其可以改善的地方，任何一方面的不作為都會(huì)加劇小微企業(yè)融資難的問題，其成因可以歸結(jié)為對(duì)小微企業(yè)的總體性制度供給不足。針對(duì)大型銀行在支持小微企業(yè)時(shí)存在的支持力度不到位、信貸資源不均衡、模式選擇不明確以及缺乏有效的專業(yè)團(tuán)隊(duì)、缺乏有效的運(yùn)作流程、缺乏有效的風(fēng)險(xiǎn)管控能力等問題，在借鑒了富國、渣打、匯豐等銀行豐富經(jīng)驗(yàn)的基礎(chǔ)上，不僅從宏觀上提出了有重點(diǎn)的支持小微企業(yè)、加大對(duì)小微企業(yè)的支持力度等對(duì)策，而且還提出了改善組織結(jié)構(gòu)、推進(jìn)產(chǎn)品創(chuàng)新等具體措施。
[Abstract]:In recent years, the country continued to carry out the adjustment of economic structure and the large commercial banks adjust their own strategic structure under the background of large banks on Small and micro businesses focus on strengthening, were set up in the Department of Small and micro businesses, to develop new products to solve the financing problem of Small and micro businesses. But due to the development Small and micro businesses for large banks to business is a new challenge, and also not from their own retail business is not mature in absorbing much experience, which can not form an effective cooperation to promote mutual development. Therefore, the research of large banks in Small and micro businesses of Countermeasures, it embarked on the road of sustainable development, has important significance for large banks as well as China's economic restructuring.
I think China Small and micro businesses financing problem is different from other countries, has its own characteristics, the government on the issue, Small and micro businesses, banks and other financial institutions have their improvement, any omission will exacerbate the financing problems of Small and micro businesses and the causes can be attributed to the small and micro enterprises overall institutional supply shortage. Aiming at the support of Small and micro businesses when large banks support is not in place, the credit resources are not balanced, mode selection is not clear and lack of effective professional team, the lack of effective operation of the process, the lack of effective risk management capabilities and other issues, in some rich countries, Standard Chartered, HSBC and other banks based on the experience of the rich, not only focus on the support of Small and micro businesses are put forward from the macro level, to increase Small and micro businesses support measures, but also put forward to improve The organization structure, the promotion product innovation and so on concrete measure.

【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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本文編號(hào)：1385213