本文關鍵詞：國有銀行對中小企業(yè)融資支持研究　出處：《浙江大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 國有大型商業(yè)銀行 中小企業(yè) 融資 中小銀行 信息不對稱

【摘要】：無論對發(fā)達國家還是發(fā)展中國家來說,中小企業(yè)作為國民經濟體系中最活躍的因素,具有十分重要的作用。中小企業(yè)融資難一直以來都是一個世界性難題,是制約中小企業(yè)發(fā)展的首要因素。在我國,尤其是在浙江省這一民營經濟發(fā)達,中小企業(yè)聚集的地域,中小企業(yè)融資難問題尤為凸顯。銀行間接融資是我國中小企業(yè)最主要的外源性融資渠道,國有大型商業(yè)銀行作為銀行業(yè)的主體,在中小企業(yè)融資中顯得十分重要,研究國有大型商業(yè)銀行對中小企業(yè)融資支持問題具有現(xiàn)實意義。本文從貸款技術、風險管理、貸款成本和綜合服務等方面對國有大型商業(yè)銀行為中小企業(yè)提供融資服務進行了理論分析,重新認識了國有大型商業(yè)銀行對中小企業(yè)融資中的信息不對稱問題,介紹了國內外大型商業(yè)銀行支持中小企業(yè)的具體做法,以工商銀行浙江分行為例,詳細論述了國有大型商業(yè)銀行對中小企業(yè)融資模式和具體舉措,進一步比較分析了國有大型商業(yè)銀行與中小銀行對中小企業(yè)融資的優(yōu)劣勢,并以工行浙江分行小企業(yè)融資產品貸款數據為樣本,探討了影響中小企業(yè)融資能力的因素,最后提出了國有大型商業(yè)銀行對中小企業(yè)提供融資服務的政策建議。
[Abstract]:Whether in developed or developing countries, small and medium-sized enterprises as the most active factor in the national economic system, has a very important role. The financing of small and medium-sized enterprises has always been a difficult problem in the world, is the primary factor restricting the development of SMEs. In our country, especially in Zhejiang Province, the private economy developed, small and medium-sized enterprises gathered in the region, the financing problem of SMEs is particularly prominent. Bank indirect financing of SMEs in China is the most important external financing channels, large state-owned commercial banks as the main body of the banking industry, it is very important in small and medium enterprise financing, it is of practical significance to study the large state-owned commercial bank financing for SMEs support this article from the loan. Technology, risk management, loan cost and comprehensive services to large state-owned commercial banks for small and medium-sized enterprises to provide financing services The theoretical analysis, re understanding of the information asymmetry problem of large state-owned commercial bank financing of small and medium enterprises, this paper introduces the practice of domestic and foreign large-scale commercial banks to support small and medium-sized enterprises, the industrial and Commercial Bank of China Zhejiang branch as an example, discusses the large state-owned commercial banks for small and medium-sized enterprise financing mode and specific measures, further comparative analysis of state large commercial banks and small banks to small and medium sized enterprises financing advantages and disadvantages, and bank financing products to small business loans Zhejiang branch data as samples, to explore the factors influencing the financing capacity of small and medium-sized enterprises, and finally puts forward some large state-owned commercial banks to provide financing services to small and medium-sized enterprise policy recommendations.

【學位授予單位】：浙江大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4;F275;F276.3

【引證文獻】

相關期刊論文 前1條

1 駢志坤;;我國商業(yè)銀行支持小微企業(yè)發(fā)展的問題研究[J];商場現(xiàn)代化;2015年09期

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本文編號：1400563