GS银行小企业金融业务发展研究.pdfVIP

摘 要 I 摘 要 改革开放以来，以中小型企业为主体的民营经济快速发展，小企业在国民 经济中的地位和作用得到了社会各界的普遍认同，小企业的生存环境也得到了 前所未有的高度重视。目前，国家出台的相关政策多聚焦于推动银行业金融机 构缓解小企业融资难、融资成本高等问题。如何围绕商业银行的经营效益和风 险控制促进商业银行将小企业融资作为经营重点的研究相对不足。本文从 GS 银 行经营管理的角度对小企业金融服务业务发展思路进行了初步探讨。本文首先 对 GS 银行江西省分行小企业金融业务发展的现状进行了分析，发现该行的小企 业金融业务存在风险不断显现、战略执行出现偏差、业务发展趋缓、人员配备 不足等问题。同时，分析发现小企业金融业务面临的诸多环境压力及风险挑战， 而且当前这样的经营环境对于商业银行而言具有普遍性。本文在介绍了商业银 行发展小企业金融业务的益处和国内外实践经验后，得出 GS 银行出现当前的困 境根本原因还是经营发展模式不适应小企业特点的结论。针对这一难题，结合 江西实际，本文提出了 GS 银行发展小企业金融业务要贴合小企业特点，通过重 构发展模式、加快产品创新和加强风险管理等一系列对策实现小企业金融业务 的持续健康发展。 关键词：小企业 金融业务 商业银行 发展思路 万方数据 ABSTRACT II ABSTRACT Since the reform and opening up, small and medium enterprises as the mainstay of the rapid development of the private economy, small enterprises in the national economy status and role has been widely recognized by the community, small enterprises survival environment has been unprecedented attention. Currently, the state has adopted policies and more focus on promoting small enterprises banking financial institutions to ease the financing difficulties, the problem of higher financing costs. How about the operational efficiency and risk control of commercial banks to promote the commercial banks will finance small enterprises operate as a comparative lack of research focus. From the perspective of GS bank management for small enterprises financial services business development ideas were discussed. Firstly, the status of GS Bank Jiangxi Branch small enterprises finance development were analyzed and found that the banks small enterprises financial business risks continue to appear, the deviation strategy execution, enterprises development slowed down, inadequate staffing and other issues. Meanwhile, the analysis found that many environmental pressures and risks and challenges faced by small enterprises financial services, and the current operating environment for such commercial banks universal. This paper describes the development of small enterprises financ