国有商业银行对宁波市中小型企业融资现状研究【毕业】.docxVIP

本科毕业论文（设计） 论文题目:国有商业银行对宁波市中小型企业融资现 状研究 所在学院 专业班级 金融学 学生姓名 学号 指导教师 职称 完成日期 年 月 日 毕业论文独创性声明 本人郑重声明所提交的毕业论文是本人在指导教师的指导下进 行的研究工作及取得的研究成果。除文中特别加以标注的地方外， 论文中不包含他人已经发表的学术成果或者他人为获得高等院校学 位而使用过的材料，论文中不涉及任何知识产权纠纷。否则，本人 将承担一切责任。 学生签名： R 期： 宁波作为浙江三大经济屮心Z-,能否解决好屮小企业融资问题，将直接 影响到宁波经济的发展。2008年金融危机的到来，宁波的中小企业面临的融资 问题也到达了一个巅峰，在金融危机的背景下屮小企业的发展和融资比例的不 对称，很多屮小企业处于停业或半停业的状态。由于我国国有商业银行在金融 市场融资中占据绝对地位，较为倾向人型企业，中小企业融资处于困难的吋候, 虽然加大了对屮小企业的放贷，但是仍然没有改变现状。宁波屮小企业融资难 的问题已经成为其发展的瓶颈。国有商业银行怎样才能在保持宁波屮小企业高 速发展的情况下提供合理的资金的供求，是一个重要和迫切需要解决的问题。 本文通过国有商业银行对宁波屮小企业的贷款规模、融资成本、企业贡献 度和金融支持度的相关分析，表明宁波屮小企业的融资过程屮的确存在着“融资 缺口。然后剖析了当前阻碍国有商业银行对宁波中小企业融资的制约因素，结 合国有商业银行本身存在的问题，提出切实可行的解决对策。 关键词：宁波；屮小企业；国有商业银行；融资 Abstract Ningbo in zhejiang province as one of three economic center can solve the problem of small and medium-sized enterprises financing good will directly affect the development of peacefill wave economy. The arrival of the financial crisis in 2008, ningbo of small and medium-sized enterprises face financing also reached a peak, the financial crisis under the background of the development of small and medium businesses and financing proportion of asymmetry, many small and medium-sized enterprise in a business or half the state of the business? Because our country state-owned commercial Banks in the financial market in financing status was overwhelmingly tend to large enterprise, small and medium-sized enterprise financing in a difficult time although state-owned commercial Banks to increase the loans to small and medium enterprises but still did not change the status quo. Ningbo financing difficulty problem has become the bottleneck. The state-owned commercial bank in ningbo how can keep the high-speed development of the small and medium-sized enterprises to provide reasonable capital supply and demand, it is an important and urgent need to address the problem. This article through the state-owned commercial Banks to small and medium-sized enterprise of ningbo loan scale, financing costs, enterprise and fin