【摘要】：本文以研究商業(yè)銀行中小企業(yè)融資業(yè)務(wù)創(chuàng)新為核心,以分析當前中小企業(yè)融資模式及政策環(huán)境為輔助,以探索可行的新型融資業(yè)務(wù)模式為目標,力求提高商業(yè)銀行信貸業(yè)務(wù)效率,同時降低業(yè)務(wù)風險,從而改善中小企業(yè)融資環(huán)境,讓具有良好潛質(zhì)的中小企業(yè)可以更便利地從正規(guī)、安全的渠道獲取金融資源。本文將首先介紹國內(nèi)外政府關(guān)于中小企業(yè)融資方面的扶持政策和措施,進而分析當前國內(nèi)中小企業(yè)生存特點及融資環(huán)境,以及目前國內(nèi)大型商業(yè)銀行關(guān)于中小企業(yè)融資方面的業(yè)務(wù)模式,并尋找各自的問題與不足。在明確了中小企業(yè)融資需求的相關(guān)問題及銀行融資業(yè)務(wù)的局限與不足之后,借助“大數(shù)據(jù)”思維、電子商務(wù)等新的思維角度對中小企業(yè)融資業(yè)務(wù)進行模式創(chuàng)新。同時,為使創(chuàng)新能夠得到實效,本文將圍繞推進商業(yè)銀行融資業(yè)務(wù)的發(fā)展,提出相關(guān)的建議。論文的最后將對全文分析進行總結(jié),并得出最終的結(jié)論,明確商業(yè)銀行發(fā)展中小企業(yè)金融服務(wù)的必要性,以及改善中小企業(yè)發(fā)展環(huán)境的重要性。
[Abstract]:This paper focuses on the research on the innovation of SME financing business in commercial banks, analyzes the current SME financing mode and policy environment, and explores the feasible new financing business model. In order to improve the efficiency of commercial bank credit business and reduce the risk of business, the financing environment of small and medium-sized enterprises can be improved, so that SMEs with good potential can obtain financial resources more conveniently from formal and safe channels. This paper will first introduce the domestic and foreign government support policies and measures on SME financing, and then analyze the existing characteristics and financing environment of domestic SMEs. And the current domestic large-sized commercial banks on the financing of SMEs business model, and to find their own problems and deficiencies. After clarifying the problems related to the financing needs of small and medium-sized enterprises and the limitations and shortcomings of bank financing business, this paper innovates the mode of financing business of small and medium-sized enterprises with the help of "big data" thinking, electronic commerce and other new thinking angles. At the same time, in order to make innovation effective, this paper will focus on the development of commercial bank financing business, and put forward relevant suggestions. At the end of the thesis, the author summarizes the whole paper and draws the final conclusion, which makes clear the necessity of developing the financial service of small and medium-sized enterprises in commercial banks and the importance of improving the environment for the development of small and medium-sized enterprises.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.2

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本文編號：2229056