城市商業(yè)銀行支持中小企業(yè)融資策略研究
發(fā)布時間：2019-04-24 05:24
【摘要】：中小企業(yè)是社會主義市場經(jīng)濟中最為活躍的主體,在增加就業(yè)、改善民生、繁榮經(jīng)濟、推動創(chuàng)新等方面發(fā)揮了巨大作用,在國民經(jīng)濟中占有非常重要的地位。但是長期以來,中小企業(yè)融資難問題未得到根本解決,資金緊缺已經(jīng)成為制約企業(yè)發(fā)展的重要原因。近年來受全球金融危機和宏觀經(jīng)濟形勢影響,不少中小企業(yè)由于不能及時得到融資支持,造成資金鏈斷裂。中小企業(yè)倒閉、企業(yè)主“跑路”現(xiàn)象屢有發(fā)生,甚至個別企業(yè)牽涉到民間借貸、高利貸等法律案件,對地方經(jīng)濟發(fā)展和社會穩(wěn)定帶來不利影響。 隨著我國利率市場化進程進一步加快,大型企業(yè)脫媒愈加明顯。城市商業(yè)銀行作為地方性中小銀行,規(guī)模較小、實力有限,與其他大型商業(yè)銀行相比,仍然存在一些不足。城市商業(yè)銀行必須揚長避短,向自己的傳統(tǒng)優(yōu)勢領域——中小企業(yè)回歸,把基礎金融服務作為主要的著力方向,努力創(chuàng)新與中小企業(yè)需求相適應的金融產(chǎn)品,創(chuàng)建與服務中小企業(yè)相匹配的組織架構,加大對中小企業(yè)融資支持力度,提高風險管理水平,發(fā)揮城市商業(yè)銀行的競爭優(yōu)勢,努力打造與中小企業(yè)共同發(fā)展的雙贏局面。 本論文從中小企業(yè)融資和城市商業(yè)銀行發(fā)展兩大前提出發(fā),分析研究兩者之間的契合點和達到雙方共贏的策略,即城市商業(yè)銀行在支持中小企業(yè)融資的過程中,針對中小企業(yè)融資存在的問題和城市商業(yè)銀行自身的特色,采取何種策略,以實現(xiàn)對中小企業(yè)和自身發(fā)展的效用最大化。本文根據(jù)研究背景引出問題,分析問題,結(jié)合實際案例研究問題,得出研究結(jié)論,全文共分為六大部分,第一部分是研究的背景和意義,分析了國內(nèi)外學者的研究成果,提出本文要研究的問題,介紹了本文的研究方法；第二部分介紹了中國中小企業(yè)融資的理論基礎和文獻綜述,對中小企業(yè)融資的概念、理論和相關文獻進行了介紹；第三部分對城商行及城商行支持中小企業(yè)狀況進行了介紹,分析城市商業(yè)銀行支持中小企業(yè)融資的內(nèi)外部原因,通過SWOT分析法分析城商行支持中小企業(yè)融資策略模式；第四部分提出城商行支持中小企業(yè)的主要策略；第五部分以徽商銀行為例,研究城市商業(yè)銀行支持中小企業(yè)的具體措施；第六部分進行總結(jié),提出研究結(jié)論,并提出了本論文的創(chuàng)新點和不足。 本論文的研究方法一是查閱和收集了國內(nèi)外相關文獻和數(shù)據(jù)資料,二是通過調(diào)查研究獲得徽商銀行、包商銀行等城市商業(yè)銀行的第一手資料,以此作為案例,三是對城市商業(yè)銀行、國有大銀行、股份制銀行之間的優(yōu)劣勢進行比較分析。通過以上途徑研究城市商業(yè)銀行支持中小企業(yè)的融資策略。
[Abstract]:As the most active subject in the socialist market economy, small and medium-sized enterprises (SMEs) have played an important role in increasing employment, improving people's livelihood, prospering the economy, promoting innovation and so on, and have played a very important role in the national economy. However, for a long time, the financing difficulty of small and medium-sized enterprises has not been fundamentally solved, the shortage of funds has become an important reason restricting the development of enterprises. In recent years, due to the global financial crisis and macroeconomic situation, many small and medium-sized enterprises can not get timely financing support, resulting in capital chain break. The failure of small and medium-sized enterprises and the phenomenon of "running away" by entrepreneurs, even involving private loans, usury and other legal cases, have brought about adverse effects on local economic development and social stability. With the further acceleration of interest rate marketization in China, the disintermediation of large-scale enterprises becomes more and more obvious. City commercial banks as local small and medium-sized banks, small scale, limited strength, compared with other large commercial banks, there are still some deficiencies. Urban commercial banks must strengthen their strengths and avoid their weaknesses, return to their traditional areas of advantage-small and medium-sized enterprises, take basic financial services as the main direction of effort, and strive to innovate financial products that meet the needs of small and medium-sized enterprises. We should set up an organization structure which matches the service of small and medium-sized enterprises, strengthen the financing support for small and medium-sized enterprises, improve the level of risk management, exert the competitive advantage of city commercial banks, and strive to create a win-win situation of common development with small and medium-sized enterprises. Starting from the premise of financing for small and medium-sized enterprises and the development of city commercial banks, this paper analyzes and studies the concordance between the two and the strategy to achieve mutual win-win, that is, in the process of supporting the financing of small and medium-sized enterprises by the city commercial banks. In view of the problems existing in the financing of small and medium-sized enterprises and the characteristics of the city commercial banks, what kind of strategies should be adopted to maximize the utility of the small and medium-sized enterprises and their own development. According to the background of the research, the analysis of the problems, combined with the actual case study, this paper draws a conclusion, the full text is divided into six parts, the first part is the background and significance of the study, analysis of domestic and foreign scholars' research results, This paper puts forward the problems to be studied in this paper, and introduces the research methods of this paper. The second part introduces the theoretical basis and literature review of small and medium-sized enterprises financing in China, and introduces the concept, theory and related literature of small and medium-sized enterprises financing. The third part introduces the situation of city commercial bank and city commercial bank supporting small and medium-sized enterprises, analyzes the internal and external reasons of city commercial bank supporting small and medium-sized enterprises financing, and analyzes the financing strategy model of city commercial banks supporting small and medium-sized enterprises through SWOT analysis; The fourth part puts forward the main strategies of urban commercial banks to support small and medium-sized enterprises; the fifth part takes Huizhou Commercial Bank as an example to study the concrete measures of urban commercial banks to support small and medium-sized enterprises; The sixth part summarizes, puts forward the research conclusion, and puts forward the innovation and deficiency of this paper. The research method of this paper is to consult and collect the relevant literature and data at home and abroad, and obtain the first-hand information of the city commercial banks such as Huizhou Commercial Bank, contractor Bank and so on through investigation and research, and take this as a case. Third, the advantages and disadvantages of city commercial banks, state-owned large banks, joint-stock banks are compared and analyzed. Through the above ways to study the financing strategies of urban commercial banks to support small and medium-sized enterprises.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33;F276.3
[Abstract]:As the most active subject in the socialist market economy, small and medium-sized enterprises (SMEs) have played an important role in increasing employment, improving people's livelihood, prospering the economy, promoting innovation and so on, and have played a very important role in the national economy. However, for a long time, the financing difficulty of small and medium-sized enterprises has not been fundamentally solved, the shortage of funds has become an important reason restricting the development of enterprises. In recent years, due to the global financial crisis and macroeconomic situation, many small and medium-sized enterprises can not get timely financing support, resulting in capital chain break. The failure of small and medium-sized enterprises and the phenomenon of "running away" by entrepreneurs, even involving private loans, usury and other legal cases, have brought about adverse effects on local economic development and social stability. With the further acceleration of interest rate marketization in China, the disintermediation of large-scale enterprises becomes more and more obvious. City commercial banks as local small and medium-sized banks, small scale, limited strength, compared with other large commercial banks, there are still some deficiencies. Urban commercial banks must strengthen their strengths and avoid their weaknesses, return to their traditional areas of advantage-small and medium-sized enterprises, take basic financial services as the main direction of effort, and strive to innovate financial products that meet the needs of small and medium-sized enterprises. We should set up an organization structure which matches the service of small and medium-sized enterprises, strengthen the financing support for small and medium-sized enterprises, improve the level of risk management, exert the competitive advantage of city commercial banks, and strive to create a win-win situation of common development with small and medium-sized enterprises. Starting from the premise of financing for small and medium-sized enterprises and the development of city commercial banks, this paper analyzes and studies the concordance between the two and the strategy to achieve mutual win-win, that is, in the process of supporting the financing of small and medium-sized enterprises by the city commercial banks. In view of the problems existing in the financing of small and medium-sized enterprises and the characteristics of the city commercial banks, what kind of strategies should be adopted to maximize the utility of the small and medium-sized enterprises and their own development. According to the background of the research, the analysis of the problems, combined with the actual case study, this paper draws a conclusion, the full text is divided into six parts, the first part is the background and significance of the study, analysis of domestic and foreign scholars' research results, This paper puts forward the problems to be studied in this paper, and introduces the research methods of this paper. The second part introduces the theoretical basis and literature review of small and medium-sized enterprises financing in China, and introduces the concept, theory and related literature of small and medium-sized enterprises financing. The third part introduces the situation of city commercial bank and city commercial bank supporting small and medium-sized enterprises, analyzes the internal and external reasons of city commercial bank supporting small and medium-sized enterprises financing, and analyzes the financing strategy model of city commercial banks supporting small and medium-sized enterprises through SWOT analysis; The fourth part puts forward the main strategies of urban commercial banks to support small and medium-sized enterprises; the fifth part takes Huizhou Commercial Bank as an example to study the concrete measures of urban commercial banks to support small and medium-sized enterprises; The sixth part summarizes, puts forward the research conclusion, and puts forward the innovation and deficiency of this paper. The research method of this paper is to consult and collect the relevant literature and data at home and abroad, and obtain the first-hand information of the city commercial banks such as Huizhou Commercial Bank, contractor Bank and so on through investigation and research, and take this as a case. Third, the advantages and disadvantages of city commercial banks, state-owned large banks, joint-stock banks are compared and analyzed. Through the above ways to study the financing strategies of urban commercial banks to support small and medium-sized enterprises.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33;F276.3
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