金融学论文 我国商业银行对中小企业金融支持分析.docxVIP

摘 要 中小企业是促进我国国民经济和社会发展的一股重要力量，并且在我国经济结构中扮演着重要的角色，据有国家关统计数据显示，目前已经在工商行政管理部门注册的中小企业已经超过了850万家，占据了全部工商注册登记企业总数的99%，同时，中小企业在全国工业总产值和实现利税中的比重也分别占到了60%和 40%，与此同时更是提供了75%的城镇就业机会，然而对于中小企业，金融机构所能为其提供的信贷份额则只占到了其信贷总额的30%，于此形成鲜明对比的是，商业赢行却有大量闲置资金无法贷出。 与国外发展比较成熟的商业赢行相比，目前，我国商业赢行在对中小企业客户管理的观念、技术、方法、体系和外部环境上都明显存在着较大的差距，根本不能满足中小企业基本的融资需求。随着金融改革的不断深化，我国商业赢行对中小企业进行金融支持的策略、内容和模式都必须与时俱进。中小企业贷款难的问题已经成为严重制约我国中小企业进一步发展的最大瓶颈。本文首先分析了我国商业赢行对中小企业金融支持现状，然后提出了其中存在的问题，最后对商业赢行如何发展中小企业业务提出几点建议。 关键字：商业赢行；中小企业；惜贷；金融产品创新；风险管理； Chinas commercial banks to SMEs financial support analysis Abstract Small and medium enterprises is to promote the national economic and social development, an important force in the economic structure of our country, and plays an important role in the country, according to customs statistics data shows, at present already in the administrative department for Industry and commerce registration of small and medium-sized enterprises have more than 850 thousand, occupy the whole of industrial and commercial registration company number 99%, at the same time, small and medium-sized enterprises in the national industrial output value and profits in proportion respectively accounted for 60% and 40%, at the same time also offers 75% urban employment opportunities, but for the small and medium enterprises, financial institutions can offer to its share of credit only to the 30% of the total amount of credit, to the in contrast, commercial banks have a large number of idle funds to lend. With foreign relatively mature compared to commercial banks, at present, Chinas commercial banks in the small and medium-sized enterprise customer management concepts, technology, method, system and external environment are existing bigger difference, cannot satisfy the demand of financing of small and medium-sized enterprises basic. With the financial reform deepening, Chinas commercial banks to small and medium enterprises financial support strategy, content and mode must keep pace with the times.