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

【摘要】：中小商業(yè)銀行是大多數(shù)國家金融體系的重要組成部分,與大型銀行機構(gòu)互為補充,是銀行業(yè)體系健康持續(xù)發(fā)展的基礎(chǔ),是世界多數(shù)國家銀行體系不可缺的組成部分。我國中小商業(yè)銀行從成立至今,在化解地方金融風(fēng)險,支持地方經(jīng)濟等方面都取得了較好的成績,尤其是在解決中小企業(yè)融資難的問題上,更是成效顯著。包商銀行作為眾多中小商業(yè)銀行中的一員,近年來一直致力于加強和改善微小企業(yè)金融服務(wù),堅持“差異化生存、特色化發(fā)展”的戰(zhàn)略思路,大膽嘗試獨特的發(fā)展路徑,努力開拓細分市場的業(yè)務(wù)藍海,通過優(yōu)化服務(wù)模式,改造業(yè)務(wù)流程,形成了比較好的競爭優(yōu)勢。從這個意義上來說,大力發(fā)展微小金融服務(wù),是包商銀行改變服務(wù)模式的重要舉措。本文意義就在于通過研究包商銀行微小企業(yè)金融服務(wù),使包商銀行認(rèn)清不足,改革優(yōu)化,實現(xiàn)包商銀行的可持續(xù)發(fā)展。 本文從研究微小企業(yè)金融服務(wù)發(fā)展的基本理論入手,利用金融風(fēng)險理論等,并結(jié)合當(dāng)前金融形勢,對包商銀行微小企業(yè)金融服務(wù)現(xiàn)狀及存在的問題進行了深入分析,并在此基礎(chǔ)上提出了要加強內(nèi)部建設(shè)、拓寬業(yè)務(wù)領(lǐng)域、優(yōu)化微小企業(yè)金融服務(wù)、加強對微小企業(yè)金融服務(wù)風(fēng)險防范措施等建議,從而進一步提升包商銀行的品牌實力,實現(xiàn)可持續(xù)發(fā)展。
[Abstract]:Small and medium-sized commercial banks are an important part of the financial system of most countries and complement each other with large banking institutions. They are the basis for the healthy and sustainable development of the banking system and an indispensable part of the banking systems of most countries in the world. Since its establishment, small and medium-sized commercial banks in China have made good achievements in resolving local financial risks and supporting local economy, especially in solving the problem of financing difficulties for small and medium-sized enterprises. As a member of many small and medium-sized commercial banks, the contractor bank has been committed to strengthening and improving the financial services of small and medium-sized enterprises in recent years, adhering to the strategic thinking of "differentiation survival, characteristic development", and boldly trying out a unique development path. By optimizing the service mode and transforming the business process, it has formed a better competitive advantage. In this sense, the development of micro-financial services is an important measure for the contractor banks to change the service model. The significance of this paper lies in the study of the financial services of the small and medium-sized enterprises of the contractor bank, so as to make the contractor bank recognize the deficiency, reform and optimize, and realize the sustainable development of the contractor bank. Starting with the basic theory of the development of financial services for small and medium-sized enterprises, this paper makes a thorough analysis of the present situation and existing problems of the financial services of small and medium-sized enterprises in contractor banks by using the theory of financial risk and combining with the current financial situation. On this basis, some suggestions are put forward, such as strengthening the internal construction, broadening the business field, optimizing the financial services of small and medium-sized enterprises, strengthening the risk prevention measures for the financial services of small and medium-sized enterprises, and so on, so as to further enhance the brand strength of the contractors' banks. Achieving sustainable development.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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本文編號：1911479