【摘要】：長久以來,城市商業(yè)銀行積極為中小企業(yè)提供信貸支持,在發(fā)揮積極作用的同時(shí)也面臨著諸多問題。本文從城商行的角度出發(fā)對(duì)中小企業(yè)信貸業(yè)務(wù)進(jìn)行研究,力度找尋既可緩解中小企業(yè)融資困難,又有利于城市商業(yè)銀行的發(fā)展之路,因此具有重要的現(xiàn)實(shí)意義。 本文共有四章內(nèi)容。第一章提出問題,簡(jiǎn)要介紹了研究Z銀行錦州支行中小企業(yè)信貸業(yè)務(wù)的意義,同時(shí)引據(jù)了中外文獻(xiàn)對(duì)中小企業(yè)信貸問題的論述并對(duì)文獻(xiàn)進(jìn)行了評(píng)析,在此基礎(chǔ)上提出本文的研究思路及方法。第二章作為理論延伸,對(duì)本文所研究的中小企業(yè)、城市商業(yè)銀行的概念、特點(diǎn)進(jìn)行了介紹,同時(shí)對(duì)國內(nèi)外商業(yè)銀行推出的同類信貸產(chǎn)品進(jìn)行了比較。第三章在全面分析了Z銀行錦州支行中小企業(yè)信貸業(yè)務(wù)現(xiàn)狀,并找出存在問題。第四章在第三章的基礎(chǔ)上提出了改進(jìn)措施。 第三章和第四章是本文論述的重點(diǎn)所在。第三章對(duì)Z銀行錦州支行中小企業(yè)信貸業(yè)務(wù)現(xiàn)狀進(jìn)行分析,并找出貸款擔(dān)保方式、產(chǎn)品種類、銀企信息不對(duì)稱、考核激勵(lì)機(jī)制、貸款流程幾個(gè)方面存在的問題,同時(shí)分析了問題成因。第四章從上述問題入手進(jìn)行了改進(jìn)：首先,建立科學(xué)多樣的中小企業(yè)貸款擔(dān)保方式；其次,根據(jù)不同企業(yè)的發(fā)展特征及同一企業(yè)的不同發(fā)展階段的特點(diǎn),不斷開發(fā)有針對(duì)性的信貸產(chǎn)品；第三,加強(qiáng)信息的收集和交流,并通過關(guān)注企業(yè)發(fā)展的“軟信息”了解企業(yè)經(jīng)營狀況,有效防范風(fēng)險(xiǎn)；第四,針對(duì)中小企業(yè)信貸部門制定行之有效的考核和激勵(lì)辦法；第五,對(duì)現(xiàn)有中小企業(yè)貸款流程進(jìn)行簡(jiǎn)化,為中小企業(yè)客戶提供更多方便；同時(shí),在信貸支持的基礎(chǔ)上,為中小企業(yè)提供如信息、理財(cái)?shù)仍鲋捣⻊?wù),以穩(wěn)定客戶群體,擴(kuò)大市場(chǎng)份額。 本文的重點(diǎn)是通過對(duì)Z銀行錦州支行中小企業(yè)信貸業(yè)務(wù)問題的分析,找尋解決途徑,提出改進(jìn)措施。通過這些改進(jìn),使Z銀行錦州支行中小企業(yè)信貸服務(wù)更加完善,對(duì)中小企業(yè)的扶持作用更加顯著,而中小企業(yè)的發(fā)展必然帶動(dòng)地區(qū)經(jīng)濟(jì)發(fā)展,創(chuàng)造更好的金融環(huán)境,有利于Z銀行錦州支行的發(fā)展,實(shí)現(xiàn)銀企共贏。
[Abstract]:For a long time, city commercial banks actively provide credit support for small and medium-sized enterprises, not only play a positive role, but also face many problems. This paper studies the credit business of small and medium-sized enterprises from the point of view of urban commercial banks, so it is of great practical significance to find out that it can not only alleviate the financing difficulties of small and medium-sized enterprises, but also benefit the development of urban commercial banks. There are four chapters in this paper. The first chapter puts forward the questions, briefly introduces the significance of studying the credit business of small and medium-sized enterprises in Jinzhou Branch of Z Bank, and cites the Chinese and foreign literature to discuss the credit problems of small and medium-sized enterprises and comments on the literature. On this basis, the research ideas and methods of this paper are put forward. The second chapter, as a theoretical extension, introduces the concept and characteristics of small and medium-sized enterprises and urban commercial banks studied in this paper, and compares the similar credit products introduced by domestic and foreign commercial banks. The third chapter analyzes the present situation of credit business of small and medium-sized enterprises in Jinzhou Branch of Z Bank, and finds out the existing problems. The fourth chapter puts forward the improvement measures on the basis of the third chapter. The third chapter and the fourth chapter are the key points of this paper. The third chapter analyzes the present situation of credit business of small and medium-sized enterprises in Jinzhou Branch of Z Bank, and finds out the problems existing in the aspects of loan guarantee mode, product type, information asymmetry between banks and enterprises, assessment incentive mechanism and loan process. At the same time, the causes of the problem are analyzed. The fourth chapter makes improvements from the above problems: first of all, the establishment of scientific and diverse ways of loan guarantee for small and medium-sized enterprises; Secondly, according to the development characteristics of different enterprises and the characteristics of different development stages of the same enterprise, continue to develop targeted credit products; Third, strengthen the collection and exchange of information, and through paying attention to the development of enterprises "soft information" to understand the business situation of enterprises, effectively prevent risks; fourth, formulate effective assessment and incentive measures for the credit departments of small and medium-sized enterprises; Fifth, simplify the existing loan process of small and medium-sized enterprises, and provide more convenience for small and medium-sized enterprise customers; At the same time, on the basis of credit support, provide value-added services such as information, financial management and other value-added services for small and medium-sized enterprises, in order to stabilize the customer group and expand market share. The focus of this paper is to analyze the credit business problems of small and medium-sized enterprises in Jinzhou Branch of Z Bank, find out the solutions and put forward the improvement measures. Through these improvements, the credit service of small and medium-sized enterprises in Jinzhou Branch of Z Bank will be more perfect, and the supporting effect on small and medium-sized enterprises will be more remarkable. The development of small and medium-sized enterprises will inevitably drive the regional economic development and create a better financial environment. It is beneficial to the development of Jinzhou Branch of Z Bank and the realization of win-win between banks and enterprises.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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