华融湘江银行发展中小企业信贷策略研究

发布时间：2018-02-03 19:08

本文关键词： 华融湘江银行中小企业策略研究　出处：《湘潭大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，随着我国中小企业的迅速发展，它已成为我国国民经济的一个重要组成，在推进我国经济增长，促进就业的过程中，扮演着越来越重要的角色。然而，中小企业融资问题至今仍是困扰着我国政府乃至世界其他各国政府的一个难题，极大的制约了中小企业的发展。银行作为金融机构的主体之一，其贷款成为中小企业所需资金的主要来源,中小企业的发展不得不依赖于银行信贷的支持。华融湘江银行作为通过湖南省政府牵头成立的地方性商业银行，为中小企业的发展提供了前所未有的机遇，但是其面临的挑战也是巨大的。鉴于此背景，本文选取以商业银行角度出发，结合本人在华融湘江银行的工作经历，提出华融湘江银行发展中小企业信贷的策略，从而促进银行和中小企业的双向共赢。本文选择华融湘江银行的中小企业信贷策略为研究对象，结合中小企业融资理论以及关系型贷款对城市商业银行开展中小企业信贷业务的理论指导，研究华融湘江银行中小企业信贷现状，找出华融湘江银行目前可能存在的问题，同时结合本人在华融湘江银行的工作所累积的实际经验，从银行内部机制建设和营销环境两个方面提出改善华融湘江银行中小企业信贷的对策建议，并通过现实检验，，旨在改善中小企业融资难现状，促进湖南金融的和谐、快速、稳定的发展，同时也为湖南省乃至全国地方性商业银行提供参考，具有重要的理论和实践意义。
[Abstract]:Since the reform and opening up, with the rapid development of small and medium-sized enterprises in China, it has become an important component of our national economy, in the process of promoting economic growth and employment. However, the financing of small and medium-sized enterprises is still a difficult problem for our government and other governments in the world. As one of the main bodies of financial institutions, the bank loan has become the main source of funds needed by SMEs. The development of small and medium-sized enterprises has to rely on the support of bank credit. As a local commercial bank led by Hunan Provincial Government, Huarong Xiangjiang Bank provides an unprecedented opportunity for the development of small and medium-sized enterprises. In view of this background, this paper chooses to set out from the perspective of commercial banks, combined with my work experience in the Xiangjiang Bank of Huarong. This paper puts forward the strategy of developing credit for medium and small enterprises in Xiangjiang Bank of Huarong, so as to promote the two-way win-win between banks and small and medium-sized enterprises. This paper chooses the SME credit strategy of Xiangjiang Bank of Huarong as the research object, and combines the financing theory of SMEs and the relationship loan to guide the city commercial bank to carry out the SME credit business. This paper studies the credit situation of small and medium-sized enterprises in Xiangjiang Bank of Huarong, finds out the problems that may exist in Xiangjiang Bank of Huarong at present, and combines with my accumulated practical experience in the work of Xiangjiang Bank of Huarong. From two aspects of bank internal mechanism construction and marketing environment, the paper puts forward the countermeasures and suggestions to improve the credit of SMEs in Xiangjiang Bank of Huarong, and through the practical test, aims to improve the current situation of financing difficulties for small and medium-sized enterprises. It is of great theoretical and practical significance to promote the harmonious, rapid and stable development of Hunan finance, and also to provide reference for the local commercial banks in Hunan province and even the whole country.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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