發(fā)布時(shí)間：2018-03-02 15:05

  本文選題：小微企業(yè)　切入點(diǎn)：城市商業(yè)銀行　出處：《河北大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：我國(guó)城市商業(yè)銀行經(jīng)過(guò)十幾年的快速發(fā)展取得了重大成就，然而隨著金融競(jìng)爭(zhēng)的加劇，城商行也不得不另辟蹊徑，去開(kāi)拓新的業(yè)務(wù)領(lǐng)域，而小微企業(yè)這一特殊群體也隨著2011年《中小企業(yè)劃型標(biāo)準(zhǔn)規(guī)定》的出臺(tái)進(jìn)入人們的視野，并開(kāi)始逐漸關(guān)注其融資難題。這時(shí)，城商行服務(wù)中小企業(yè)的最初定位與小微企業(yè)的融資問(wèn)題就有了天然的契合點(diǎn)，因此大力擴(kuò)展這一業(yè)務(wù)領(lǐng)域具有重要的現(xiàn)實(shí)意義。 本文以城市商業(yè)銀行開(kāi)展的小微金融業(yè)務(wù)為研究對(duì)象，綜合運(yùn)用了比較分析、案例分析、總結(jié)歸納的方法，，并通過(guò)查閱了大量的文獻(xiàn)資料，得出了城商行開(kāi)展小微金融業(yè)務(wù)不僅有利于城商行的發(fā)展，更有助于解決小微企業(yè)融資問(wèn)題的結(jié)論，并力求通過(guò)對(duì)該問(wèn)題的提出、分析與解決，最終實(shí)現(xiàn)推進(jìn)城商行大力開(kāi)展小微金融業(yè)務(wù)的目的。 本文從小微企業(yè)的融資問(wèn)題及城市商業(yè)銀行的發(fā)展現(xiàn)狀出發(fā)，介紹并分析了城市商業(yè)銀行開(kāi)展小微金融業(yè)務(wù)的必然性與可行性，并在此基礎(chǔ)之上對(duì)城商行開(kāi)展小微金融業(yè)務(wù)的問(wèn)題進(jìn)行了具體分析并找到了城商行能力不足、小微企業(yè)自身存在缺陷、相關(guān)配套體系不健全這三個(gè)方面的原因。接著本文對(duì)河北銀行與寧波銀行開(kāi)展小微金融業(yè)務(wù)的案例進(jìn)行分析，并以此為借鑒，有針對(duì)性的提出了通過(guò)完善城商行自身業(yè)務(wù)、完善小微企業(yè)自身素質(zhì)、完善政策支持環(huán)境等城市商業(yè)銀行發(fā)展小微金融業(yè)務(wù)的政策建議。
[Abstract]:After more than ten years of rapid development, urban commercial banks in China have made great achievements. However, with the intensification of financial competition, city commercial banks also have to explore new business areas. And small and micro enterprises, a special group, came into people's view with the introduction of "Standard regulations for small and Medium-sized Enterprises" in 2011, and began to pay more and more attention to their financing problems. At this time, The initial orientation of city commercial bank for small and medium-sized enterprises and the financing of small and micro enterprises have a natural point of convergence, so it is of great practical significance to expand this business field. This article takes the small and micro finance business of the city commercial bank as the research object, synthetically uses the comparative analysis, the case analysis, the summary induction method, and has consulted the massive literature material, The conclusion that city commercial bank develops small and micro financial business is not only conducive to the development of city commercial bank, but also helpful to solve the financing problem of small and micro enterprises, and try its best to put forward, analyze and solve this problem. Finally realize the promotion city commercial bank vigorously develops the small and micro finance business goal. Starting from the financing problems of small and micro enterprises and the development of urban commercial banks, this paper introduces and analyzes the inevitability and feasibility of developing small and micro financial services in city commercial banks. On the basis of this, the author makes a concrete analysis of the problem of city commercial bank developing small and micro financial business, and finds out that the city commercial bank has insufficient ability, and the small and micro enterprise has its own defects. Then this paper analyzes the case of Hebei Bank and Ningbo Bank to carry out small and micro financial business, and take this as a reference, put forward through perfecting City Commercial Bank's own business. Improve the quality of small and micro enterprises, improve the policy support environment and other urban commercial banks to develop small and micro financial business policy recommendations.
【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(lèi)號(hào)】：F832.2

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