利率市场化下中小企业融资难问题研究——基于商业银行视角-金融学专业论文.docxVIP

摘 要 长期以来，中小企业作为我国经济的重要组成部分，是我国经济增长和技术 创新的主力军，在改善民生、促进就业等方面具有不可替代的作用，其发展直接 影响着一国的产业竞争力，但众所周知，中小企业融资问题一直困扰着其快速发 展，融资难题迫切需要解决。7 月 20 日，央行全面放开金融机构贷款利率管制， 目的之一是为了将更多资金投放到实体经济，这是否为我国中小企业信贷融资提 供新的发展契机？ 本文从商业银行这一新的视角，研究利率市场化对中小企业信贷业务的影响， 首先，分析目前利率市场化改革背景和内容，使读者对整体经济环境有个大体把 握，随后，阐述现今商业银行开展中小企业信贷业务的现状，并站在商业银行视 角，分析制约商行开展中小企业信贷业务的主客观因素，紧接着论述利率市场化 下商业银行为发展新的利润点，在激烈竞争的市场中赢得一席之地，优化产品期 限结构，降低利率风险而开拓中小企业信贷业务必要性，以及辅以模型证明当前 宏观形势利好商业银行开展中小企业信贷业务，提出从长期来看，利率市场化利 好我国中小企业信贷融资，但难解决融资“贵”的问题。最后从宏微观的角度， 结合当前利率市场化进程，提出商业银行发展中小企业信贷业务的解决办法。 关键词：利率市场化，中小企业，信贷融资，银行信贷，利率管制 Abstract The small or medium-sized enterprises (SMEs) have been one of our country’s important components for a long time, which are the main force of economic growth and technology innovation. They have irreplaceable influence on improving life quality and promoting employment. Its development determines a country’s competitiveness. But it’s known to all that they always have difficulty in financing which has impeded its further development and should be solved. On 20th, July, 2013, Chinese central bank relieved the regulation on financial institutes’ lending rate. This measure is aimed to place more capital into entity economy. Is it an opportunity for this kind of enterprise to gain more financing support? This paper will analyze the influence of interest rate liberalization on financing business of SMEs from the viewpoint of commercial bank, which is an innovation point. Firstly, analyze the motivation of interest rate liberalization, reform background and reform content in theory to enable readers a general idea about our country’s economy. Then, elaborate the current situation of commercial bank’s credit operations facing this kind of enterprise (SMEs). Secondly, from the viewpoint of commercial bank, analyze the factors which hamper this business’s development. After this, verify the necessity for commercial bank to further develop credit business facing small and medium-sized enterprise by optimizing interest rate term s