商业银行对中小企业融资支持的策略研究-公共管理专业论文.docxVIP

摘 摘 要 随着经济的发展，中小企业在国民经济中起着越来越重要的作用。近年来我国中 小企业的发展虽然取得了一定成效，但同时也面临着许多困难和问题，最为突出的是 中小企业融资难问题。对中小企业来说，由于其融资渠道相对单一，加之政策的限制， 对银行贷款有很强的依赖性。同时，与国内外先进的商业银行相比，我国多数商业银 行对中小企业信贷支持的思路、体系、策略等方面都存在着很大的差距，不能满足中 小企业融资的需求。 本研究首先对中小企业融资涉及的相关理论进行了简单明晰的阐述，说明了我国 商业银行对中小企业信贷支持的现状，并对商业银行对中小企业信贷支持不足的原因 进行分析。通过借鉴国外发达国家及国内先进商业银行的成功经验，提出如何构建我 国商业银行对中小企业信贷支持的几点建议、如何设计符合中小企业融资特点的信贷 支持的具体方案，为控制商业银行对中小企业金融支持中的风险和减少贷款成本，从 而实现既帮助中小企业摆脱融资困境，又解决商业银行利润增长乏力的双赢策略。 关键字：商业银行中小企业融资支持 商业银行对v0,J,企业融资支持的策略研究Research 商业银行对v0,J,企业融资支持的策略研究 Research on the Strategy of Financial Support for the SMEs in China’S Commercial Banks Abstract With the development of economy,the small and medium·sized enterprises are playing an increasingly important role in the national economy．Although the development of SMEs has made some progress，the enterprises still face many difficulties．The SMEs have a strong dependence on bank loans．Meanwhile，compared with foreign commercial bank，Chinas commercial banks exist a large gap in the aspect of the ideas，strategies，systems，which can not meet the basic demand of SME financing． Firstly,the thesis makes a simple and clear explanation of the theory about the financing of SMEs，analyzes the status and problems of China’S commercial banks’credit support to SMEs，finally makes a conclusion under the guidance of relevant theory．The thesis analyzes the problem through every procedure of credit support to SMEs in China’S commercial bank．In order to control the risk of financing support for SMEs and reducing the financing cost，this thesis proposes how to build the basic ideas of financing support for SMEs in Chinas commercial banks，how to design specific programs of credit support in line with the characteristics of c small and medium enterprises，thus reach a win-win strategy which not only help SMEs solve the financing diffficulty,but also solve the slow growth of profit in China’s commercial bank． Key words：Commercial Banks，Small-and-medium-sized enterprises，Financial support II 目 目 录 一、引言 ．．1 (