本文關(guān)鍵詞： 中小企業(yè) 成都 銀行融資 商業(yè)銀行　出處：《西南交通大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：據(jù)統(tǒng)計(jì),2010年,成都市共有中小企業(yè)6.6萬(wàn)戶,占成都所有企業(yè)數(shù)量的95%以上,成都中小企業(yè)的從業(yè)人員達(dá)到180多萬(wàn)人,中小企業(yè)增加值過(guò)去五年翻了兩番,達(dá)到2255億元�！笆晃濉逼陂g,中小企業(yè)增加值以年均31.1%的速度增長(zhǎng)。中小企業(yè)逐步發(fā)展成為成都市經(jīng)濟(jì)的一支重要力量。中小企業(yè)在促進(jìn)成都市經(jīng)濟(jì)的發(fā)展,促進(jìn)就業(yè),促進(jìn)成都市國(guó)際貿(mào)易的發(fā)展以及科學(xué)技術(shù)水平的提高方面起到了至關(guān)重要的作用。然而成都市中小企業(yè)在快速發(fā)展的過(guò)程中也面臨著許多問(wèn)題,其中問(wèn)題之一就是融資難的問(wèn)題。調(diào)查顯示成都市中小企業(yè)在有資金需求時(shí),首先考慮到的銀行貸款,所以成都市中小企業(yè)融資難一個(gè)具體的表現(xiàn)就是成都中小企業(yè)銀行融資難。 造成成都市中小企業(yè)銀行融資難的原因既有銀行方面的原因也有中小企業(yè)方面的原因。銀行方面的原因包括成都市商業(yè)銀行的風(fēng)險(xiǎn)偏好,商業(yè)銀行信貸業(yè)務(wù)管理的局限以及考核獎(jiǎng)勵(lì)措施等不利于中小企業(yè)獲得借貸。企業(yè)方面的原因包括使以成都市中小企業(yè)為代表的我國(guó)中小企業(yè)存在產(chǎn)權(quán)不清晰,財(cái)務(wù)可持續(xù)性較差,缺乏擔(dān)保物等等。 針對(duì)成都市中小企業(yè)融資難的特點(diǎn),本成都xx商業(yè)銀行了推行的制度創(chuàng)新,規(guī)模傾斜；產(chǎn)品線創(chuàng)新以及風(fēng)險(xiǎn)控制方面的改革,這對(duì)解決成都市中小企業(yè)在銀行貸款擔(dān)保不足,銀行產(chǎn)品較少以及信息不對(duì)稱等方面問(wèn)題有積極的意義,有利于其對(duì)成都市中小企業(yè)在融資貸款方面的支持,對(duì)促進(jìn)成都市中小企業(yè)的發(fā)展有一定的積極意義。本文同時(shí)指出了xx商業(yè)銀行當(dāng)前在支持成都中小企業(yè)融資方面的問(wèn)題,并認(rèn)為其可以通過(guò)采取加強(qiáng)與成都市各行業(yè)協(xié)會(huì)的合作以及積極培育金融中介等措施來(lái)解決這些問(wèn)題。 從世界各國(guó)以及我國(guó)發(fā)達(dá)城市解決中小企業(yè)融資的成功經(jīng)驗(yàn)來(lái)看,他們采取的城市往往是綜合的,即包括融資方面的,也包括改善社會(huì)信用條件方面的,還包括對(duì)中小企業(yè)在技術(shù),管理以及市場(chǎng)營(yíng)銷方面的。本文認(rèn)為成都市中小企業(yè)銀行融資難問(wèn)題要得到根本性的解決,也需要從這些方面入手,即除了銀行大力支持和中小企業(yè)注重自身發(fā)展以外,還需要不斷的改善中小企業(yè)融資在社會(huì)環(huán)境,法律以及中小企業(yè)服務(wù)方面的條件。
[Abstract]:According to statistics, in 2010, there were 66,000 small and medium-sized enterprises in Chengdu, accounting for more than 95% of all enterprises in Chengdu, and the number of employees of small and medium-sized enterprises in Chengdu reached more than 1.8 million. The added value of small and medium-sized enterprises has quadrupled in the past five years to 225.5 billion yuan. The added value of small and medium-sized enterprises is increasing at an average annual rate of 31.1%. Small and medium-sized enterprises have gradually developed into an important force in Chengdu's economy. Small and medium-sized enterprises are promoting the development of Chengdu's economy and promoting employment. Promoting the development of international trade and improving the level of science and technology in Chengdu has played a vital role. However, the small and medium-sized enterprises in Chengdu also face many problems in the process of rapid development. One of the problems is the difficulty of financing. The survey shows that the small and medium-sized enterprises in Chengdu first consider the bank loans when they have capital needs. So Chengdu small-medium-sized enterprises financing difficulty a specific performance is Chengdu small-and-medium-sized enterprises bank financing difficulties. The reasons for the financing difficulties of banks in Chengdu are not only the reasons of banks but also the reasons of SMEs. The reasons of banks include the risk preference of commercial banks in Chengdu. The limitations of credit management of commercial banks and the examination and incentive measures are not conducive to SMEs to obtain loans. The reasons for enterprises include the lack of clear property rights of SMEs represented by SMEs in Chengdu. Poor financial sustainability, lack of collateral and so on. In view of the difficulty of financing for small and medium-sized enterprises in Chengdu, the Chengdu xx Commercial Bank has implemented the system innovation and the scale is inclined; The innovation of product line and the reform of risk control have positive significance to solve the problems of insufficient guarantee of bank loan, less bank products and asymmetric information in Chengdu small and medium-sized enterprises. In order to support the financing of small and medium-sized enterprises in Chengdu. It has certain positive significance to promote the development of Chengdu small and medium-sized enterprises. At the same time, this paper points out the problems of xx commercial bank in supporting the financing of Chengdu small and medium-sized enterprises. It is suggested that these problems can be solved by strengthening the cooperation with various trade associations in Chengdu and by actively cultivating financial intermediation. From the successful experience of the developed cities in the world and our country to solve the financing of small and medium-sized enterprises, their cities are often comprehensive, including financing, but also including the improvement of social credit conditions. It also includes small and medium-sized enterprises in technology, management and marketing. This paper believes that Chengdu small and medium-sized enterprises bank financing difficulties to be fundamentally resolved, also need to start from these aspects. Besides the strong support of banks and the attention of SMEs to their own development, it is also necessary to continuously improve the social environment, the law and the service conditions of SMEs.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F276.3;F832.4

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 趙曉云;破解小微企業(yè)融資難的對(duì)策研究[D];安徽大學(xué);2013年

2 朱彥;城市商業(yè)銀行對(duì)中小企業(yè)融資支持研究[D];河南大學(xué);2013年

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本文編號(hào)：1448046