發(fā)布時(shí)間：2018-07-10 06:35

  本文選題：商業(yè)銀行 + 邢臺(tái)建行��； 參考：《河北工業(yè)大學(xué)》2012年碩士論文

【摘要】：近年來，隨著改革開放的不斷深入，我國(guó)民營(yíng)經(jīng)濟(jì)得到了空前發(fā)展，中小企業(yè)作為民營(yíng)經(jīng)濟(jì)的主體，在經(jīng)濟(jì)增長(zhǎng)、產(chǎn)業(yè)結(jié)構(gòu)調(diào)整和勞動(dòng)力就業(yè)等方面做出了巨大的貢獻(xiàn)，發(fā)揮著越來越重要的作用。國(guó)家和地方政府都對(duì)中小企業(yè)發(fā)展給予了大力支持和政策傾斜，作為商業(yè)銀行，也越來越來重視中小企業(yè)業(yè)務(wù)，中小企業(yè)貸款業(yè)務(wù)得到了快速發(fā)展但是受中小企業(yè)自身局限和政策環(huán)境限制以及商業(yè)銀行經(jīng)營(yíng)和風(fēng)控要求等多方面因素影響，目前中小企業(yè)貸款業(yè)務(wù)發(fā)展仍存在不成熟、不完善的地方，中小企業(yè)融資難問題仍在一定程度上存在，需要進(jìn)一步研究分析解決。 作者在建設(shè)銀行工作近二十年，對(duì)中小企業(yè)貸款業(yè)務(wù)發(fā)展有著較為深刻的認(rèn)識(shí)和理解。本文依據(jù)相關(guān)中小企業(yè)貸款理論研究基礎(chǔ)，借鑒國(guó)內(nèi)外金融機(jī)構(gòu)先進(jìn)經(jīng)驗(yàn)，結(jié)合邢臺(tái)當(dāng)?shù)貐^(qū)域經(jīng)濟(jì)特點(diǎn)和中小企業(yè)貸款業(yè)務(wù)發(fā)展?fàn)顩r，從商業(yè)銀行工作實(shí)際角度出發(fā)，對(duì)建設(shè)銀行邢臺(tái)分行中小企業(yè)貸款策略的現(xiàn)狀及存在問題進(jìn)行了分析研究，從業(yè)務(wù)流程優(yōu)化再造、產(chǎn)品與服務(wù)創(chuàng)新、全面風(fēng)險(xiǎn)管理等方面提出了發(fā)展策略，期待著由點(diǎn)及面地為全行及金融同業(yè)中小企業(yè)貸款業(yè)務(wù)發(fā)展提供有益參考，并對(duì)實(shí)際工作有一定指導(dǎo)意義。
[Abstract]:In recent years, with the deepening of reform and opening up, China's private economy has been unprecedented development. As the main body of private economy, small and medium-sized enterprises have made great contributions in economic growth, industrial structure adjustment and labor force employment. Play a more and more important role. The state and local governments have given strong support and policy support to the development of small and medium-sized enterprises. As commercial banks, they have also paid more and more attention to the business of small and medium-sized enterprises. The loan business of small and medium-sized enterprises has been developed rapidly. However, due to the limitations of SMEs and the policy environment, the commercial banks' management and the requirements of wind control, there are still some immature factors in the development of the loan business of small and medium-sized enterprises. In the imperfect place, the financing difficulty of small and medium-sized enterprises still exists to some extent, need further research and analysis to solve. In the past twenty years, the author has a deep understanding of the development of loan business in small and medium-sized enterprises. Based on the research foundation of relevant SME loan theory and the advanced experience of domestic and foreign financial institutions, combined with the local economic characteristics of Xingtai and the development of SME loan business, this paper sets out from the practical point of view of commercial bank work. This paper analyzes the present situation and existing problems of loan strategy for small and medium-sized enterprises in Xingtai Branch of China Construction Bank, and puts forward the development strategy from the aspects of business process optimization and reengineering, product and service innovation, overall risk management, etc. It looks forward to providing a useful reference for the development of the loan business of the whole bank and the financial interbank SMEs, and it is of certain guiding significance to the practical work.
【學(xué)位授予單位】：河北工業(yè)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

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