本文選題：包商銀行 + 小企業(yè)信貸��； 參考：《內(nèi)蒙古大學(xué)》2012年碩士論文

【摘要】：20世紀(jì)九十年代中后期,隨著我國(guó)市場(chǎng)化程度的提高以及國(guó)內(nèi)外貿(mào)易環(huán)境的變化,中小企業(yè)在經(jīng)濟(jì)運(yùn)行中發(fā)揮著越來(lái)越重要的作用,如充當(dāng)經(jīng)濟(jì)增長(zhǎng)引擎、創(chuàng)造就業(yè)機(jī)會(huì)、活躍市場(chǎng)以及優(yōu)化調(diào)整產(chǎn)業(yè)結(jié)構(gòu)等等。但是,由于其自身的特殊性,中小企業(yè)的發(fā)展受到多方面的制約,而融資問題首當(dāng)其沖。 鑒于我國(guó)中小企業(yè)融資困難的狀況,商業(yè)銀行針對(duì)中小企業(yè)的信貸營(yíng)銷,也具有較大的挑戰(zhàn)性。相對(duì)于大企業(yè),中小企業(yè)總體管理水平低,財(cái)務(wù)會(huì)計(jì)制度不健全,使得商業(yè)銀行在了解中小企業(yè)經(jīng)營(yíng)業(yè)務(wù)、經(jīng)濟(jì)效益、投資風(fēng)險(xiǎn)、還貸能力方面存在困難,加大了信貸營(yíng)銷過程中的信息搜集成本及中小企業(yè)融資成本,這種信貸過程中的信息不對(duì)稱大大增加了商業(yè)銀行的風(fēng)險(xiǎn)概率。正確分析和解決金融危機(jī)背景下我國(guó)小企業(yè)的融資問題,是一個(gè)理論問題,更是一個(gè)實(shí)踐課題。 國(guó)內(nèi)現(xiàn)在專注于中小企業(yè)的金融機(jī)構(gòu)非常多,除了各家城市商業(yè)銀行,信用社等小型金融機(jī)構(gòu)之外,一些大型國(guó)有商業(yè)銀行、甚至外資銀行也大力發(fā)展這方面的業(yè)務(wù)。目前,包商銀行在小微信貸方面創(chuàng)造了可觀的經(jīng)濟(jì)效益,同時(shí)扶持了一大批小企業(yè),促進(jìn)了當(dāng)?shù)亟?jīng)濟(jì)發(fā)展方式轉(zhuǎn)變。包商銀行已經(jīng)在微小企業(yè)金融方面建立起較為明顯的比較優(yōu)勢(shì)和品牌優(yōu)勢(shì),并在戰(zhàn)略制定方面將其作為企業(yè)國(guó)際化戰(zhàn)略的突破口。 本論文從實(shí)踐和理論兩個(gè)層面,以包商銀行為例,分析了商業(yè)銀行面對(duì)國(guó)內(nèi)和外資金融機(jī)構(gòu)的雙重競(jìng)爭(zhēng)壓力,創(chuàng)新商業(yè)生態(tài),重新進(jìn)行市場(chǎng)定位,尋求新的經(jīng)濟(jì)增長(zhǎng)點(diǎn)的過程。文章認(rèn)為商業(yè)銀行應(yīng)該差異化的定位市場(chǎng)營(yíng)銷策略,解決小企業(yè)融資難問題,建立一個(gè)可持續(xù)、可復(fù)制的商業(yè)模式,實(shí)現(xiàn)企業(yè)、銀行和政府的共贏,獲取市場(chǎng)競(jìng)爭(zhēng)優(yōu)勢(shì)。
[Abstract]:In the middle and late 1990s, with the improvement of China's marketization and the changes of the domestic and foreign trade environment, small and medium-sized enterprises are playing an increasingly important role in the economic operation, such as acting as the engine of economic growth and creating employment opportunities. Activate the market and optimize and adjust the industrial structure and so on. However, because of its own particularity, the development of small and medium-sized enterprises is restricted by many aspects, and financing problems bear the brunt. In view of the financing difficulties of SMEs in China, the credit marketing of commercial banks for SMEs is also challenging. Compared with large enterprises, the overall management level of SMEs is low, and the financial accounting system is not perfect, which makes commercial banks have difficulties in understanding SMEs' business operations, economic benefits, investment risks, and ability to repay loans. It increases the cost of collecting information in the process of credit marketing and the financing cost of small and medium-sized enterprises. The asymmetric information in the credit process greatly increases the risk probability of commercial banks. It is a theoretical and practical problem to correctly analyze and solve the financing problem of small enterprises in China under the background of financial crisis. At present, there are a lot of financial institutions focusing on small and medium-sized enterprises in China. In addition to small financial institutions such as city commercial banks, credit unions and so on, some large state-owned commercial banks, even foreign banks, have also vigorously developed their business in this area. At present, the contractor's bank has created considerable economic benefits in the area of micro-credit, at the same time supported a large number of small enterprises, and promoted the transformation of the local economic development mode. The contractor bank has established the obvious comparative advantage and brand advantage in the small and medium-sized enterprise finance, and regard it as the breakthrough point of the enterprise internationalization strategy in the strategic formulation aspect. This paper analyzes the process of commercial banks facing the double competitive pressure of domestic and foreign financial institutions, innovating the business ecology, re-positioning the market and seeking new economic growth points from the perspective of practice and theory, taking the contractor bank as an example. The paper holds that commercial banks should position marketing strategies differently, solve the problem of financing difficulties of small enterprises, establish a sustainable and replicable business model, realize the win-win situation of enterprises, banks and governments, and obtain market competitive advantages.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F274;F832.33

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