解决小微企业信贷融资问题的研究——基于我国大型商业银行的视角-国际商务专业论文.docxVIP

摘 要 小微企业是小型企业、微型企业、家庭作坊式企业、个体工商户的统称，由 经济学家郎咸平教授提出的。随着我国经济的发展，小微企业也得到迅速发展， 在实现社会化专业协作，进行技术创新，增加就业和满足居民多样化和个性化的 需求等方面都发挥着重要的作用，已经成为社会主义市场经济的重要组成部分。 但是目前我国小微企业的发展受到各个方面的制约，其中融资困境是一个突出的 问题。而银行贷款作为小微企业外源融资的重要来源，是缓解困境的主要途径。 我国大型商业银行长久以来居于垄断地位，它们的贷款投放也都主要针对大 型企业。银行对大中型优质客户的争夺，基本上已经处于市场均衡的状态。与此 同时，随着我国利率市场化进程的推进，大型企业的“金融脱媒”现象愈演愈烈， 大幅度地压缩了银行的业务拓展空间，也大幅度降低了业务的盈利性。另一方面， 随着中国加入世贸组织，诸如渣打、花旗等外资银行在中国全面开展了金融业务。 这使得国内银行业的竞争更加残酷，身陷生存与发展的转型关头。 在这些大背景下，我国大型商业银行为了应对更加残酷的竞争和自身的发 展，必须要开阔视野，拓展思路，加大创新力度，寻找新的贷款投放对象。迅速 发展的急需全面融资资金的小微企业进入视野中，这正是我国大型商业银行需要 尽早抢占的利润丰厚的市场。本文通过对相关理论、案例的分析，对缓解小微企 业融资困境问题上，从我国大型商业银行身上寻找可行的具有实践性的方式。 关键词：小微企业，融资困境，大型商业银行 I II II Abstract Small micro-enterprises are collectively called of small enterprises, micro-enterprises, family-owned enterprises, individual industrial and commercial households, which are proposed by Professor Lang. As the development of Chinese economic, small micro enterprises have developed rapidly, which plays an important role in achieving social professional collaboration, technological innovation, increasing employment and meeting the resident’s needs diversification and personalization aspects. And it has become an important part of the socialist market economy. However, the current development of small micro enterprises constrained by various aspects, including the financing dilemma. It is a prominent issue. The bank loans of small micro enterprises as an important source of external financing is the main way to ease the plight. Chinas large-scale commercial banks has long been living in a monopoly position, they are also focused on lending to large enterprises. The competition on quality customer has basically been in a state of market equilibrium. At the same time, with the advance of the process of the interest rate liberalization, the “financial disintermediation” phenomenon intensified. And it greatly reduced the banks business development space, but also significantly reduces the profitability of the business. On the other hand,