工商银行宜春分行中小企业信贷发展研究.pdfVIP

要 随着国家经济的发展和中小企业的壮大，近年来，中小企业信贷业务在我国 得到了迅速的发展，正逐渐成为我国商业银行新的利润增长点。对于商业银行来 说，发展中小企业信贷业务能有效提高商业银行的资产质量和效益，分散信贷风 ，扩大客户群，促使商业银行向国际先进的现代化银行发展，同时，又有利于 应对外资银行的竞争。然而，宜春市工商银行中小企业信贷业务的发展却未尽如人 意，中小企业贷款在银行的贷款业务中所占比例很小，与银行同业相比差距较大。 论文在国内外有关中小企业信贷研究的基础上，运用中小企业信贷理论，结 合我国中小企业信贷发展的现状，利用大量权威数据和实证资料，对宜春工行中 小企业信贷业务的发展现状进行了分析。通过对宜春工行中小企业信贷业务的发 展环境和发展现状的分析，指出了宜春工行中小企业信贷业务存在的问题和问 产生的原因，同时，借鉴国内银行同业在中小企业信贷业务中的先进经验，结合 当前中小企业信贷的最新发展方向，提出了宜春工行中小企业信贷业务的发展对 策：一是要加强宜春工行自身建设，二是要争取当地政 政策支持。三是要引导 中小企业良性发展。本文旨在通过研究，探索出发展宜春工行中小企业信贷业务 的对策和建议,为提高宜春工行中小企业信贷业务的经营管理水平和市场竞争力提 供参考。 关键词：商业银行 中小企业信贷 发展对策 1 Abstract With the great development of the national economy and the Small Middle-Sized enterprises, SME credit operations have been quickly developed in recent years, which is becoming a new growth factor for profit in the commercial banks. On the one hand, to develop SME credit operations can effectively improve asset quality and economic performance, reduce credit risk, enlarge client base, and help commercial banks develop towards globally advanced modern banks. On the other hand, it fosters commercial banks to be more competitive among the foreign-funded banks. However, what s not so desirable is the development of SME credit operation of ICBC in Yichun. The SME credit occupies a small part in the whole credit operations, which lags much behind other banks. Based on the SME credit researches both at home and abroad, the thesis make full advantage of SME credit theory and other large amounts of authority figures and evidence. considering the current situation of SME credit in our country, the thesis do analysis on the current development of the SME credit operations in Yichun. Based on the analysis of the development environment and situation of SME credit operations of