城市商业银行与中小企业融资研究-企业管理专业论文.docxVIP

摘要 随着中国市场化程度的提高以及国内外贸易环境的变化，中小企业在繁荣市场、增加就 业、创造社会财富等方面发挥着重要作用，并将在中国经济进一步发展的过程中扮演更加重 要的角色。但是目前中小企业的发展受到各方面的制约，其中融资难的问题首当其冲。银行 贷款作为目前我国中小企业最为依赖的外部融资渠道，是缓解中小企业融资困难的重要途径。 经过十几年的高速发展，城市商业银行已经成为我国金融机构的一支重要力量。城市商 业银行自成立之初就确立了“服务地方经济、服务中小企业和服务城市居民”的市场定位。 与其他商业银行相比，城市商业银行在服务中小企业融资时具有信息、流程、地方政府支持 等优势，对改善与解决中小企业融资难的困境具有一定的现实意义。 本文从中小企业融资难问题出发，对中小企业融资的基本现状进行了总结，从中小企业 自身、银行及政府三个方面对融资难问题原因进行了剖析。在此基础上，介绍了城市商业银 行成立以来的发展情况以及开展中小企业融资业务的现状。相比其他商业银行，城市商业银 行在解决中小企业融资难问题方面有其自身的优势。 本文同时对国内外中小金融机构支持中小企业融资的经验进行了概括和总结，提出了一 些城市商业银行开展中小企业融资业务的对策和建议，从整体上对城市商业银行服务中小企 业融资提出了自己的看法。 关键词：中小企业；城市商业银行；信息不对称；信贷融资 Abstract With the improvement of the degree of the China’s market-oriented and changes in international trade environment, SMEs are more and more important in improving the degree of market prosperity, increasing employment and creating social wealth. It will play a more important role in China’s economic development. However, the development of SMEs constraints from all sides, in which the financing difficulties bear the brunt. As most SMEs in China currently depend on external financing, loans from the bank is a very important way to ease the financing difficulties of SMEs. After ten years of rapid development, city commercial banks have become an important force in China’s financial institutions. Since its inception, the city commercial banks are positioned to serve the local economy, SMEs and urban residents. Compared with other commercial banks, it has advantages such as information, process and local government’s support in serving the SMEs. In the paper, firstly we start from the financing difficulties, summarize the situation of SMEs’ financing and analyze the problem in three aspects of SMEs, banks and the government. Secondly we introduce the development and status of SMEs’ financing since the founding of the city commercial banks. City commercial bank has its own advantages in comparing with other commercial banks. The paper also summarizes the experiences from the banks at ho