【摘要】：隨著世界經(jīng)濟(jì)格局的改變，商業(yè)銀行也處在不斷變化的經(jīng)營(yíng)環(huán)境中。利率市場(chǎng)化的引入使得商業(yè)銀行的利潤(rùn)空間不斷被壓縮，較高集中度的貸款加大了銀行的信貸風(fēng)險(xiǎn)，這些問(wèn)題將給商業(yè)銀行的可持續(xù)發(fā)展帶來(lái)前所未有的挑戰(zhàn)�？v觀世界經(jīng)濟(jì)發(fā)展史，中小企業(yè)已成為發(fā)展中和發(fā)達(dá)國(guó)家中國(guó)民經(jīng)濟(jì)的重要精神支柱，當(dāng)前，中小企業(yè)在我國(guó)經(jīng)濟(jì)社會(huì)中扮演著越來(lái)越重要的角色，中小企業(yè)在優(yōu)化資源配置效率，擴(kuò)大出口，增加就業(yè)機(jī)會(huì)和促進(jìn)科技發(fā)展發(fā)面發(fā)揮著不可替代的作用。經(jīng)驗(yàn)表明，信貸融資在中小企業(yè)外源性融資中發(fā)揮著特別重要的作用，而融資渠道也主要集中在商業(yè)銀行和其他金融機(jī)構(gòu)貸款上，因此，國(guó)內(nèi)各大商業(yè)銀行現(xiàn)已積極開(kāi)拓的新的領(lǐng)域和市場(chǎng)，即發(fā)展中小企業(yè)的信貸業(yè)務(wù)，，而能否有效拓展這部分市場(chǎng)已成為商業(yè)銀行在未來(lái)的信貸市場(chǎng)競(jìng)爭(zhēng)中能否保持優(yōu)勢(shì)的關(guān)鍵。因此，加強(qiáng)對(duì)中小企業(yè)的信貸風(fēng)險(xiǎn)管理，不僅有利于放寬中小企業(yè)發(fā)展的資金要求，還關(guān)系到銀行資金的安全問(wèn)題，因此，本文的研究具有理論和實(shí)踐意義。同時(shí)，也對(duì)全國(guó)其他商業(yè)銀行發(fā)展中小企業(yè)信貸業(yè)務(wù)有所啟示。 本文以泉州商業(yè)銀行為立足點(diǎn)，指出了泉州中小企業(yè)的概況和特點(diǎn)，闡述了泉州商業(yè)銀行發(fā)展中小企業(yè)信貸業(yè)務(wù)現(xiàn)狀，列舉并比較了泉州商業(yè)銀行發(fā)展中小企業(yè)信貸業(yè)務(wù)的優(yōu)劣勢(shì)，分析出泉州中小企業(yè)融資難的原因，然后綜合以上的分析有針對(duì)性的提出對(duì)泉州商業(yè)銀行發(fā)展中小企業(yè)信貸業(yè)務(wù)的思路和建議，最后列舉出同行業(yè)的臺(tái)州商業(yè)銀行案例，希望以此為泉州商業(yè)銀行發(fā)展中小企業(yè)信貸業(yè)務(wù)帶來(lái)借鑒和啟示。
[Abstract]:With the change of the world economic pattern, commercial banks are also in the changing business environment. With the introduction of interest rate marketization, the profit space of commercial banks is constantly compressed, and the high concentration of loans increases the credit risk of banks. These problems will bring unprecedented challenges to the sustainable development of commercial banks. Throughout the history of world economic development, small and medium-sized enterprises have become an important spiritual pillar of the national economy in both developing and developed countries. At present, small and medium-sized enterprises play an increasingly important role in the economic and social development of our country. SMEs play an irreplaceable role in optimizing the efficiency of resource allocation, expanding exports, increasing employment opportunities and promoting the development of science and technology. Experience shows that credit financing plays a particularly important role in the external financing of SMEs, and the financing channels are mainly concentrated on the loans of commercial banks and other financial institutions. The domestic commercial banks have been actively developing new fields and markets, that is, developing the credit business of small and medium-sized enterprises, and whether they can effectively expand this part of the market has become the key for commercial banks to maintain their advantages in the future credit market competition. Therefore, strengthening the credit risk management of small and medium-sized enterprises is not only conducive to relax the capital requirements for the development of small and medium-sized enterprises, but also related to the security of bank funds. Therefore, the study of this paper has theoretical and practical significance. At the same time, also to other commercial banks throughout the country to develop small and medium-sized credit business enlightenment. This paper takes Quanzhou Commercial Bank as its foothold, points out the general situation and characteristics of Quanzhou small and medium-sized enterprises, and expounds the present situation of Quanzhou commercial bank's development of small and medium-sized enterprises' credit business. This paper enumerates and compares the advantages and disadvantages of Quanzhou Commercial Bank in developing the credit business of small and medium-sized enterprises, and analyzes the reasons for the difficulty in financing of small and medium-sized enterprises in Quanzhou. Then synthesizes the above analysis has pointed out to the Quanzhou commercial bank to develop the small and medium-sized enterprise credit service thought and the suggestion, finally enumerates the same profession Taizhou commercial bank case, It is hoped that this will serve as a reference and inspiration for Quanzhou Commercial Bank to develop small and medium-sized credit business.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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