本文選題：銀行 + 信貸業(yè)務(wù)　； 參考：《廣東財經(jīng)大學(xué)》2014年碩士論文

【摘要】：小微企業(yè)，作為我國社會經(jīng)濟(jì)發(fā)展的中堅力量，在為許多地區(qū)創(chuàng)造生產(chǎn)總值的同時也為社會提供了大量的就業(yè)機(jī)會，自改革開放后，小微企業(yè)在我國經(jīng)濟(jì)結(jié)構(gòu)中所占比重不斷增大，經(jīng)濟(jì)地位也在不斷地提升，政府有關(guān)部門也越來越重視小企業(yè)的融資問題，但目前小微企業(yè)的金融服務(wù)需求卻依舊未能得到充分的滿足。本文首先闡述了現(xiàn)階段小微企業(yè)所面臨的社會環(huán)境，從金融結(jié)構(gòu)層面、社會經(jīng)濟(jì)層面、管理層面等角度對我國商業(yè)銀行發(fā)展小微信貸業(yè)務(wù)的狀況進(jìn)行理論性分析，多方面分析小微企業(yè)“融資難”的困境及其成因，認(rèn)為主要是規(guī)模小、資產(chǎn)結(jié)構(gòu)單一、公司管理制度不健全、信用等級低等現(xiàn)實情況造成了小微企業(yè)融資困難。文章通過對民生銀行小微企業(yè)信貸業(yè)務(wù)這一戰(zhàn)略業(yè)務(wù)的發(fā)展現(xiàn)狀的分析，提出了其對小微銀行信貸業(yè)務(wù)中存在的融資成本高、信息不對稱、擔(dān)保方式不健全、成本和收益不匹配等問題，然后對民生銀行成功發(fā)展小微企業(yè)信貸業(yè)務(wù)的概況和產(chǎn)品信息進(jìn)行研究，，分析其破解小微企業(yè)信貸發(fā)展難具體做法——降低相關(guān)成本，推行產(chǎn)品組合，采用多種方式實行擔(dān)保，進(jìn)行戰(zhàn)略轉(zhuǎn)型等，以及實施業(yè)務(wù)達(dá)到的實際效果，探究有利于打破小微企業(yè)融資困境的模式，有利于推動我國社會經(jīng)濟(jì)健康穩(wěn)定的發(fā)展，本文所研究的中國民生銀行的相關(guān)具體做法，對其他銀行小微企業(yè)信貸業(yè)務(wù)發(fā)展提供了參考和借鑒。
[Abstract]:Small and micro enterprises, as the backbone of our country's social and economic development, have not only created the gross domestic product for many regions but also provided a large number of employment opportunities for the society. Since the beginning of the reform and opening up to the outside world, The proportion of small and micro enterprises in the economic structure of our country is constantly increasing, and the economic status is also constantly rising. The government departments concerned are also paying more and more attention to the financing problem of small enterprises. But at present, the financial service demand of small and micro enterprises is still not fully satisfied. This paper first expounds the social environment that small and micro enterprises are facing at the present stage. From the aspects of financial structure, social economy, management and so on, this paper makes a theoretical analysis on the development of small and micro credit business in commercial banks of our country. This paper analyzes the difficulties in financing of small and micro enterprises from many aspects, and points out that the difficulties in financing are mainly caused by small scale, single asset structure, imperfect management system, low credit rating, and so on. Based on the analysis of the present situation of the development of Minsheng Bank's small and micro enterprise credit business, the paper points out that the financing cost is high, the information is asymmetric, and the guarantee method is not perfect in the small and micro bank credit business. Then the paper studies the general situation and product information of Minsheng Bank's successful development of small and micro enterprise credit business, and analyzes how to solve the problem of small and micro enterprise credit development-to reduce the related costs. Promoting product portfolios, implementing guarantees in a variety of ways, undertaking strategic transformation, and implementing practical business results, exploring models that help break the financing dilemma of small and micro enterprises, In order to promote the healthy and stable development of China's social economy, this paper studies the specific practices of Minsheng Bank of China, which provides a reference for the development of credit business of other banks' small and micro enterprises.
【學(xué)位授予單位】：廣東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4

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