本文關(guān)鍵詞： 商業(yè)銀行 中小企業(yè) 融資 對(duì)策　出處：《復(fù)旦大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來,我國(guó)的中小企業(yè)發(fā)展很快,在整個(gè)國(guó)民經(jīng)濟(jì)中發(fā)揮著越來越重要的作用,為我國(guó)的經(jīng)濟(jì)增長(zhǎng)做出了極大的貢獻(xiàn)。但近些年來由于外部經(jīng)濟(jì)金融、內(nèi)部經(jīng)濟(jì)轉(zhuǎn)型升級(jí)等多方面因素的影響,許多中小企業(yè)陷入了困境,其中最突出的就是中小企業(yè)融資難的問題。商業(yè)銀行作為國(guó)家金融體系的中堅(jiān)力量,應(yīng)該解決這些問題,多給中小企業(yè)融資創(chuàng)造條件,促使它們?cè)谖磥戆l(fā)揮更重要的作用。 本文結(jié)合前人的調(diào)查研究成果,在參閱相關(guān)文獻(xiàn)的基礎(chǔ)上,分析了我國(guó)中小企業(yè)融資現(xiàn)狀和商業(yè)銀行開展中小企業(yè)融資的現(xiàn)狀,并對(duì)中小企業(yè)融資難的問題進(jìn)行原因剖析,提出商業(yè)銀行解決中小企業(yè)融資策略。最后,以浙江泰隆商業(yè)服務(wù)中小企業(yè)融資的具體案例,實(shí)證分析了商業(yè)銀行在拓展中小企業(yè)融資業(yè)務(wù)方面做出的許多有益嘗試,浙江泰隆商業(yè)銀行的做法對(duì)于我國(guó)商業(yè)銀行解決中小企業(yè)融資難問題具有非�，F(xiàn)實(shí)的意義。
[Abstract]:Since the reform and opening up, the small and medium-sized enterprises of our country have developed rapidly and played a more and more important role in the whole national economy, which has made a great contribution to the economic growth of our country. But in recent years, due to the external economy and finance, As a result of various factors, such as internal economic transformation and upgrading, many small and medium-sized enterprises have fallen into difficulties, the most prominent of which is the difficulty of financing for small and medium-sized enterprises. As the backbone of the national financial system, commercial banks should solve these problems. More to create conditions for small and medium-sized enterprises to finance, to promote them in the future to play a more important role. Based on the previous investigation and research results, this paper analyzes the current situation of SME financing in China and the current situation of SME financing in commercial banks, and analyzes the reasons for the difficulty of SME financing. Finally, taking the specific case of Zhejiang Tai long Commercial Service SME financing, the paper empirically analyzes many beneficial attempts made by commercial banks in expanding the financing business of small and medium-sized enterprises. The practice of Zhejiang Tai long Commercial Bank is of practical significance for Chinese commercial banks to solve the financing difficulties of small and medium-sized enterprises.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4;F276.3

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本文編號(hào)：1547162