本文選題：商業(yè)銀行 + 小微金融　； 參考：《山東大學(xué)》2013年碩士論文

【摘要】：從性質(zhì)上看,小微企業(yè)是工商企業(yè)的一種,具備獨立的企業(yè)法人資格,承擔(dān)納稅義務(wù),是我國市場經(jīng)濟發(fā)展過程中新生的不可忽視的新興力量。小微金融服務(wù),具體地說就是一種專門針對“小微企業(yè)”用戶研發(fā)的,針對小微企業(yè)的融資需要開展的金融服務(wù)產(chǎn)品。商業(yè)銀行開展小微金融服務(wù)不僅有助于小微企業(yè)自身的發(fā)展,更有利于盤活商業(yè)銀行的資金,提高商業(yè)銀行資金的流轉(zhuǎn)速度,提升商業(yè)銀行的資本管理水平和綜合投資盈利能力,促進商業(yè)銀行的發(fā)展。從全局的角度來看,商業(yè)銀行開展小微金融服務(wù)還能進一步健全我國的經(jīng)濟結(jié)構(gòu),促進我國整體經(jīng)濟的健康發(fā)展,因此,推行商業(yè)銀行小微金融服務(wù)機制改進是十分必要的。 本文從我國小微企業(yè)的發(fā)展現(xiàn)狀入手,深入分析了在我國小微企業(yè)的發(fā)展形勢和突出問題,然后再借鑒國外商業(yè)銀行開展小微金融服務(wù)的經(jīng)驗,對我國商業(yè)銀行小微金融服務(wù)機制中存在的問題進行了深入分析,同時,也對商業(yè)銀行如何開展小微金融服務(wù)提出了自己的建議。 本研究共分為五個部分。第一部分是第一章和第二章,研究的緒論部分,是對本研究的研究背景、研究意義、研究方法、當(dāng)前研究現(xiàn)狀、文獻(xiàn)綜述等的闡述。第二部分是第三章,是對我國小微企業(yè)發(fā)展現(xiàn)狀的闡述和小微企業(yè)融資難問題的梳理。第三部分是文章的第四章,是對小微企業(yè)融資難問題的原因分析,主要從政府層面、行業(yè)層面和商業(yè)銀行層面等三個層面出發(fā),分別分析了來自不同層面的導(dǎo)致小微企業(yè)陷入融資難困境的原因。第四部分是文章的第五章,主要是對國內(nèi)外商業(yè)銀行小微金融服務(wù)開展現(xiàn)狀的調(diào)查了解和經(jīng)驗分析。第五部分是文章的第六章,是對商業(yè)銀行小微金融服務(wù)機制改進的措施建議,主要是在結(jié)合國外經(jīng)驗研究的基礎(chǔ)上,從政府層面、行業(yè)層面和商業(yè)銀行層面出發(fā),對商業(yè)銀行小微金融服務(wù)機制的完善提出了建議。
[Abstract]:In nature, small and micro enterprises are a kind of industrial and commercial enterprises, with independent corporate status, to assume tax obligations, is a new emerging force that can not be ignored in the process of the development of market economy in our country. Microfinancial services, specifically, a financial service product developed specifically for "small and micro enterprises" users and targeted at the financing needs of small and micro enterprises. The development of small and micro financial services by commercial banks is not only conducive to the development of small and micro enterprises themselves, but also conducive to activating the funds of commercial banks and increasing the speed of circulation of funds of commercial banks. To promote the development of commercial banks by improving their capital management and comprehensive investment profitability. From the point of view of the overall situation, commercial banks can further improve the economic structure of our country and promote the healthy development of the whole economy. Therefore, it is necessary to carry out the improvement of the mechanism of small and micro financial services of commercial banks. Starting with the current situation of the development of small and micro enterprises in China, this paper analyzes the development situation and outstanding problems of small and micro enterprises in China, and then draws lessons from the experience of foreign commercial banks in carrying out small and micro financial services. This paper makes a deep analysis of the problems existing in the small and micro financial service mechanism of commercial banks in China, and at the same time, puts forward some suggestions on how to carry out the small and micro financial services in commercial banks. This study is divided into five parts. The first part is the first chapter and the second chapter, the introduction part, is the research background, the research significance, the research method, the present research present situation, the literature summary and so on. The second part is the third chapter. The third part is the fourth chapter of the article, which analyzes the causes of the financing difficulties of small and micro enterprises, mainly from the government level, the industry level and the commercial bank level. This paper analyzes the reasons why small and micro enterprises fall into financing difficulties from different levels. The fourth part is the fifth chapter of the article, mainly to the domestic and foreign commercial banks small and micro financial service development situation investigation understanding and the experience analysis. The fifth part is the sixth chapter of the article, which is the measures to improve the micro-financial service mechanism of commercial banks, mainly based on the study of foreign experience, from the government level, the industry level and the commercial bank level, starting from the government level, the industry level and the commercial bank level, from the government level, the industry level and the commercial bank level. This paper puts forward some suggestions on the perfection of the small and micro financial service mechanism of commercial banks.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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