本文選題：外資銀行 + 小微企業(yè)　； 參考：《上海交通大學(xué)》2013年碩士論文

【摘要】：當(dāng)前的社會(huì)經(jīng)濟(jì)取得了很大的發(fā)展，小企業(yè)在各國(guó)都有著十分重要的地位，在我國(guó)當(dāng)然也是如此。根據(jù)相關(guān)的統(tǒng)計(jì)，在我國(guó)注冊(cè)的企業(yè)中，小微企業(yè)的數(shù)量占到了絕大多數(shù)，這一比例達(dá)到了99%。在這些微小企業(yè)中，大部分都是民營(yíng)企業(yè)，其資信狀況以及相應(yīng)的所有權(quán)結(jié)構(gòu)都比較良好。對(duì)于銀行業(yè)來(lái)說(shuō)，給予小微企業(yè)貸款能夠更好地促進(jìn)其穩(wěn)定發(fā)展，還能使其資產(chǎn)負(fù)債結(jié)構(gòu)得到良好地改善，對(duì)于我國(guó)的國(guó)民經(jīng)濟(jì)的發(fā)展和和諧社會(huì)的構(gòu)建都有著十分巨大的作用。然而，固然中小企業(yè)起著十分重要的作用，在貢獻(xiàn)上也是非常大，但是其面臨著融資難的問(wèn)題，造成這種狀況的原因是多方面的。不但包括金融機(jī)構(gòu)的利益導(dǎo)向、融資渠道的缺乏，還包括信用擔(dān)保的缺失、信息不對(duì)稱等因素。對(duì)于小微企業(yè)的研究，我國(guó)還不是很完善，在這方面發(fā)達(dá)國(guó)家的研究要完善許多。在上世紀(jì)的時(shí)候，銀行之間的競(jìng)爭(zhēng)加劇，存貸利差也不是很明顯，作為亟需的利潤(rùn)增長(zhǎng)點(diǎn)，發(fā)達(dá)國(guó)家將小微企業(yè)的信貸業(yè)務(wù)是其十分看重的一項(xiàng)業(yè)務(wù)，且見(jiàn)效非常明顯。本文在對(duì)國(guó)外先進(jìn)經(jīng)驗(yàn)進(jìn)行介紹的基礎(chǔ)上，對(duì)我國(guó)的實(shí)際情況做了相應(yīng)的分析，，在此基礎(chǔ)上提出了其存在的問(wèn)題以及相應(yīng)的解決措施，希望能夠更好地促進(jìn)我國(guó)小微企業(yè)的發(fā)展。
[Abstract]:The current social economy has made great progress, small enterprises have a very important position in all countries, of course in China. According to the related statistics, in our country registered enterprises, the number of small and micro enterprises accounted for the vast majority, this proportion reached 9910%. In these small enterprises, most of them are private enterprises, their credit status and the corresponding ownership structure are relatively good. For the banking sector, lending to small and micro enterprises can better promote its stability and improve its balance sheet structure. For the development of China's national economy and the construction of a harmonious society has a very great role. However, although small and medium-sized enterprises play a very important role in the contribution is also very large, but it is facing the problem of financing difficulties, this situation is caused by a variety of reasons. Not only the interest orientation of financial institutions, the lack of financing channels, but also the lack of credit guarantee, information asymmetry and other factors. For the research of small and micro enterprises, our country is not very perfect, in this respect, the developed countries should perfect a lot of research. In the last century, competition between banks intensified, deposit and loan spreads are not obvious, as a much-needed profit growth, developed countries will small and micro enterprises credit business is a very important business, and the results are very obvious. Based on the introduction of foreign advanced experience, this paper makes a corresponding analysis of the actual situation of our country, and then puts forward the existing problems and corresponding solutions. Hope to better promote the development of small and micro enterprises in China.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F276.3;F275;F832.4

【參考文獻(xiàn)】

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2 陳竹;外資銀行的中國(guó)富翁計(jì)劃[J];中國(guó)新聞周刊;2005年34期

本文編號(hào)：1938097