我國(guó)商業(yè)銀行對(duì)中小企業(yè)的信貸支持研究

論文編號(hào):CW210  論文字?jǐn)?shù):13840,頁數(shù):18

我國(guó)商業(yè)銀行對(duì)中小企業(yè)的信貸支持研究

摘   要

 目前，我國(guó)中小企業(yè)在國(guó)民經(jīng)濟(jì)發(fā)展中的作用和地位問題，越來越受到各方面的關(guān)注。由于中小企業(yè)的經(jīng)營(yíng)記錄不夠完全，財(cái)務(wù)信息可信度低，抵押物不足，經(jīng)營(yíng)風(fēng)險(xiǎn)大，因此，在有大企業(yè)進(jìn)行選擇的情況下，金融機(jī)構(gòu)普遍不愿意對(duì)中小企業(yè)融資，中小企業(yè)融資難的現(xiàn)象都普遍存在。中小企業(yè)在國(guó)民經(jīng)濟(jì)中占有重要地位，為推動(dòng)國(guó)民經(jīng)濟(jì)發(fā)展、增加就業(yè)、推動(dòng)科技進(jìn)步等做出重要貢獻(xiàn)，這一切決定了我們必須對(duì)中小企業(yè)給予足夠的重視。近幾年來，國(guó)家為改善中小企業(yè)融資環(huán)境先后采取了許多措施，但從實(shí)踐上看，這一問題仍然沒有得到有效解決，成為制約中小企業(yè)發(fā)展的“瓶頸”。只有切實(shí)解決中小企業(yè)融資問題，才能把中小企業(yè)發(fā)展的潛在能量發(fā)揮出來，使其在經(jīng)濟(jì)發(fā)展和社會(huì)穩(wěn)定中發(fā)揮更大的作用。本文試圖從中小企業(yè)融資機(jī)會(huì)、融資規(guī)模、融資期限、融資方式、融資結(jié)構(gòu)等方面進(jìn)行探討，以對(duì)中小企業(yè)融資決策實(shí)踐起到一定的指導(dǎo)作用。
 [關(guān)鍵詞] 商業(yè)銀行；信貸支持；中小企業(yè)
[論文類型] 應(yīng)用研究型

Research on the to small and medium-sized enterprise country credit support commercial bank

ABSTRACT
 At present, China's small and medium-sized enterprises in the national economic development of the function and position of problem, more and more get all aspects of attention. Due to the small and medium-sized enterprises the records enough completely, financial information low credible, the mortgaged property is insufficient, management risk is big, therefore, in a large enterprises choice, financial institutions are generally not willing to sme financing, financing difficulty phenomenon are rife. Small and medium-sized enterprises in the national economy plays an important role, and to promote national economic development and increasing employment, promote technological progress and made important contributions, all this we must decide to small and medium-sized enterprise give enough attention. In recent years, the country to improve the smes' financing environment has taken many measures, but in practice on look, this problem solved effectively, still do not have become restraints of the development of smes "bottleneck". Only solve smes' financing problems, to small and medium-sized enterprise development potential energy play out, so that in the economic development and social stability to play a bigger role. This paper attempts to from elements-driven financing opportunities, financing scale, financing time limit, financing way, this paper discussed the financing structure, with the smes' financing decision practice plays a certain role in guiding the.
 
[Keywords] Commercial Banks；   Loan Support； Small and medium-sized enterprises
[Paper Types]   Application Research 
 
目   錄
1引言 1
1.1 選題背景 1
1.2 選題意義 1
2 商業(yè)銀行對(duì)中小企業(yè)進(jìn)行信貸支持的必要性 2
2.1 中小企業(yè)的發(fā)展?jié)摿?nbsp;2
2.2 中小企業(yè)的發(fā)展對(duì)銀行的益處 2
2.3目前中小企業(yè)的融資現(xiàn)狀 3
3.中小企業(yè)難以取得商業(yè)銀行信貸支持的原因 4
3.1 商業(yè)銀行為了控制風(fēng)險(xiǎn)所采用的措施 4
3.1.1商業(yè)銀行信貸權(quán)限集中 4
3.1.2商業(yè)銀行信貸客戶的集中 5
3.1.3授貸日益集中 5
3.1.4信貸區(qū)域的集中 5
3.2 中小企業(yè)融資難的自身原因 5
3.2.1 中小企業(yè)的體制不健全 各項(xiàng)管理制度不完善 5
3.2.2 企業(yè)信用觀念淡薄 失去了銀行支持的信心 6
3.2.3 抵押擔(dān)保能力不足 不能為銀行提供完整的信貸手續(xù) 7
3.2.4 中小企業(yè)的融資難點(diǎn)在于信息不對(duì)稱 7
3.2.5是整體經(jīng)濟(jì)效益差 抗風(fēng)險(xiǎn)能力弱 7
4.改善商業(yè)銀行對(duì)中小企業(yè)信貸支持的措施 8
4.1. 商業(yè)銀行的做法 8
4.1.1 控制融資額度 不以融資需求為唯一標(biāo)準(zhǔn) 8
4.1.2提升銀行的能力，使之有對(duì)中小企業(yè)進(jìn)行財(cái)務(wù)分析的能力 8
4.1.3建立商業(yè)銀行與中小企業(yè)之間新的關(guān)系，改變逆向選擇 9
4.2 中小企業(yè)的自身做法 9
4.3 國(guó)家為改善目前的現(xiàn)狀所采用的措施 9
4.4地方性中小金融機(jī)構(gòu)的對(duì)中小企業(yè)的鼓勵(lì) 10
4.5建立中小企業(yè)信息披露制度 11
4.6 培育中小企業(yè)信用信息中介機(jī)構(gòu) 11
5.結(jié)論 13
參考文獻(xiàn) 14
致謝 15