我国商业银行对中小企业的信贷支持研究

论文编号:CW210  论文字数:13840,页数:18

我国商业银行对中小企业的信贷支持研究

摘   要

 目前，我国中小企业在国民经济发展中的作用和地位问题，越来越受到各方面的关注。由于中小企业的经营记录不够完全，财务信息可信度低，抵押物不足，经营风险大，因此，在有大企业进行选择的情况下，金融机构普遍不愿意对中小企业融资，中小企业融资难的现象都普遍存在。中小企业在国民经济中占有重要地位，为推动国民经济发展、增加就业、推动科技进步等做出重要贡献，这一切决定了我们必须对中小企业给予足够的重视。近几年来，国家为改善中小企业融资环境先后采取了许多措施，但从实践上看，这一问题仍然没有得到有效解决，成为制约中小企业发展的“瓶颈”。只有切实解决中小企业融资问题，才能把中小企业发展的潜在能量发挥出来，使其在经济发展和社会稳定中发挥更大的作用。本文试图从中小企业融资机会、融资规模、融资期限、融资方式、融资结构等方面进行探讨，以对中小企业融资决策实践起到一定的指导作用。
 [关键词] 商业银行；信贷支持；中小企业
[论文类型] 应用研究型

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   录
1引言 1
1.1 选题背景 1
1.2 选题意义 1
2 商业银行对中小企业进行信贷支持的必要性 2
2.1 中小企业的发展潜力 2
2.2 中小企业的发展对银行的益处 2
2.3目前中小企业的融资现状 3
3.中小企业难以取得商业银行信贷支持的原因 4
3.1 商业银行为了控制风险所采用的措施 4
3.1.1商业银行信贷权限集中 4
3.1.2商业银行信贷客户的集中 5
3.1.3授贷日益集中 5
3.1.4信贷区域的集中 5
3.2 中小企业融资难的自身原因 5
3.2.1 中小企业的体制不健全 各项管理制度不完善 5
3.2.2 企业信用观念淡薄 失去了银行支持的信心 6
3.2.3 抵押担保能力不足 不能为银行提供完整的信贷手续 7
3.2.4 中小企业的融资难点在于信息不对称 7
3.2.5是整体经济效益差 抗风险能力弱 7
4.改善商业银行对中小企业信贷支持的措施 8
4.1. 商业银行的做法 8
4.1.1 控制融资额度 不以融资需求为唯一标准 8
4.1.2提升银行的能力，使之有对中小企业进行财务分析的能力 8
4.1.3建立商业银行与中小企业之间新的关系，改变逆向选择 9
4.2 中小企业的自身做法 9
4.3 国家为改善目前的现状所采用的措施 9
4.4地方性中小金融机构的对中小企业的鼓励 10
4.5建立中小企业信息披露制度 11
4.6 培育中小企业信用信息中介机构 11
5.结论 13
参考文献 14
致谢 15