商业银行扶持中小微企业的博弈机制、创新模式和对策研究-公共管理；行政管理专业论文.docxVIP

中文摘要商业银行要优化银行组织架构，提高信贷融资技术，降低融资成本，从人才、服务、产 中文摘要 商业银行要优化银行组织架构，提高信贷融资技术，降低融资成本，从人才、服务、产 品和担保方式等多方面加大金融创新的力度，以实现中小微企业贷款业务的发展。 关键词：商业银行；中小微企业；博弈分析；融资模式 II 万方数据 ABSTRACTABSTRACT ABSTRACT ABSTRACT SPECIA LIZATIoN： Public Administration M．A．CANDIDATE： 坠i垒壁g Li垒望g MENTOR： ￡【Ql：』i坠i卫g型垒望g—— With the rapid development of China’S market economy，small and m icro enterprises (SMEs)is playing irreplaceable and important role in promoting economic development， technology progress，expanding employment，and maintaining social stability，and also have been integral part of the national economy．However，shortage of money and financing dilemma has terribly restricted the survival and development of SMEs．As consequence， study how to help small and micro enterprises solve financing problem，provide financial support for them，and promote the healthy development of the real economy has become major issue waiting to be solved． ‘lhe financial regulators have issued series of policies and measures to help small and micro enterprises to obtain credil funds．Commercial banks making policy—oriented efforts to develop suitable services for SMEs，because commercial banks need to make this part ot’ service profit growth，too．At the same time，small and micro enterprises badly need the help of commercial banks to conquer the obstacles of obtaining financial support．It is really important for commercial banks to provide high—quality financial services and financial products for small and micro enterprises，through this way banks and enterprises achieve win—win situation．What’S more，this is the new impetus for economic development and ref．onll． 万方数据 ABSTRACTBased ABSTRACT Based the definition of small and micro enterprises and commercial banks and further elaborating the theory of asymmetric information，credit rationing theory，relationship lending theory and financial innovation theory，this paper deeply analyzed the current model and problems of China’S commercial banks serving