摘要
中小企业是社会主义市场经济中最为活跃的主体,在增加就业、改善民生、繁荣经济、推动创新等方面发挥了巨大作用,在国民经济中占有非常重要的地位。
但是长期以来,中小企业融资难问题未得到根本解决,资金紧缺已经成为制约企业发展的重要原因。近年来受全球金融危机和宏观经济形势影响,不少中小企业由于不能及时得到融资支持,造成资金链断裂。中小企业倒闭、企业主“跑路”现象屡有发生,甚至个别企业牵涉到民间借贷、高利贷等法律案件,对地方经济发展和社会稳定带来不利影响。
随着我国利率市场化进程进一步加快,大型企业脱媒愈加明显。城市商业银行作为地方性中小银行,规模较小、实力有限,与其他大型商业银行相比,仍然存在一些不足。城市商业银行必须扬长避短,向自己的传统优势领域——中小企业回归,把基础金融服务作为主要的着力方向,努力创新与中小企业需求相适应的金融产品,创建与服务中小企业相匹配的组织架构,加大对中小企业融资支持力度,提高风险管理水平,发挥城市商业银行的竞争优势,努力打造与中小企业共同发展的双赢局面。
本论文从中小企业融资和城市商业银行发展两大前提出发,分析研究两者之间的契合点和达到双方共赢的策略,即城市商业银行在支持中小企业融资的过程中,针对中小企业融资存在的问题和城市商业银行自身的特色,采取何种策略,以实现对中小企业和自身发展的效用最大化。本文根据研究背景引出问题,分析问题,结合实际案例研究问题,得出研究结论,全文共分为六大部分,第一部分是研究的背景和意义,分析了国内外学者的研究成果,提出本文要研究的问题,介绍了本文的研究方法;第二部分介绍了中国中小企业融资的理论基础和文献综述,对中小企业融资的概念、理论和相关文献进行了介绍;第三部分对城商行及城商行支持中小企业状况进行了介绍,分析城市商业银行支持中小企业融资的内外部原因,通过SWOT分析法分析城商行支持中小企业融资策略模式;第四部分提出城商行支持中小企业的主要策咯;第五部分以徽商银行为例,研究城市商业银行支持中小企业的具体措施;第六部分进行总结,提出研究结论,并提出了本论文的创新点和不足。
本论文的研究方法一是查阅和收集了国内外相关文献和数据资料,二是通过调查研究获得徽商银行、包商银行等城市商业银行的第一手资料,以此作为案例,三是对城市商业银行、国有大银行、股份制银行之间的优劣势进行比较分析。通过以上途径研究城市商业银行支持中小企业的融资策略。
关键字:中小企业;城市商业银行;融资
Abstract
Small and medium-sized enterprises (SME) is the most active subject in thesocialist market economy. SME has played a huge role,occupies very importantposition in national economy because of increasing employment and improvingpeople's livelihood and promoting innovation etc . But for a long time, SME loaningdifficult problem has not been fundamentally solved, shortage of funds has becomethe important reason which restrict the development of the enterprise. In recent years,influenced by the global financial crisis and macro economic situation, many SMEdon't have enough money to continuing operations because they can't get financingsupport. Some SME collapsed, business owners "run" .That phenomenon occursfrequently, and even individual companies involved in private lending, loan sharksand other legal cases.
With China's further speed up the marketization of interest rate process, largeenterprises to take off the media more and more obvious. As local small andmedium-sized Banks, city commercial bank is a smaller scale, and the strength islimited, compared with other large commercial Banks, there are still someshortcomings. City commercial Banks must foster strengths and circumventweaknesses, return to their traditional strengths of SME, the basic financial services asthe main focus on the direction, efforts to innovation and adapt to the needs of SMEfinancial products, to create and services match the small and medium-sizedenterprise organization structure, to increase support for small and medium-sizedenterprise financing, city commercial bank's purpose is to create a win-win situationand common development of SME.
This paper from the small business financing and two major premise of the citycommercial bankfs development, analysis and study the quality and achieve thevwn-win between the two strategies, aiming at the problems of small andmedium-sized enteiprise financing and the style of the city commercial bank iteelf,what strategies, in order to realize the utility maximization of SME and their owndevelopment In this paper, according to the research background which leads to theproblem, analyze problems, combining with the actual case studies, the researchconclusion, the full text is divided into six parts, the first part is the researchbackground and significance, the analysis of the research results of scholars both athome and abroad; The second part introduces financing present situation andexisting problems of SME, analyzes the financing difficulties of small andmedium-sized enterprises; The third part introduces analysis city commercial Bankssupporting SME financing internal and external reasons, through the SWOT analysisthe support for SME financing strategy mode; The fourth part detailed measures forcity firm support for small and medium-sized enterprises; As a example,the fifth partanalysis Huishang bank; The sixth part summarizes, puts forward the researchconclusion.
Research method of this paper : the paper review and collect the relatedliterature and data at home and abroad first, the second this paper is through theinvestigation and study for the city commercial bank's information, the third thispaper is to compare the advantages and disadvantages between different Banks .
Keywords :SME City commercial Banks Bank loan
目录
第一章
一、研究的背景及意义
二、研究方法
三、研究思路和内容
四、创新点和不足
第二章理论基础和文献综述
一、概念界定
二、主要理论
三、文献综述
第三章城市商业银行支持中小企业融资分析
一、中小企业融资状况
二、城市商业银行支持中小企业融资存在的问题
三、城市商业银行支持中小企业融资的内外部原因
四、城市商业银行支持中小企业融资的SWOT分析
第四章城市商业银行支持中小企业融资的主要策略
一、搭建新型金融服务组织架构
二、细分中小企业融资市场
三、创新中小企业融资服务手段
四、引进中小企业融资专有技术
第五章徽商银行支持中小企业融资的主要策略
一、徽商银行概况
二、徽商银行支持中小企业融资状况
三、徽商银行支持中小企业融资的具体措施
第六章结论与展望
一、研究结论
二、未来展望
参考文献
致谢
