中小微企业关系型贷款业务研究

发布时间：2019-02-22 08:39

【摘要】：中小微企业作为国民经济不可缺少的一部分,对社会主义市场经济的发展起着不可替代的作用。然而,作为中小微企业生产要素的最关键组成部分—一资本,却在某种程度上制约着中小企业的发展。解决中小微企业融资难题,可以为中小微企业提供更有效的资金获得渠道,从而发挥中小微企业的力量,促进国民经济多元化健康的发展。本文以关系型贷款为研究对象,力图分析关系型贷款对于解决中小微企业融资难题的作用。在总结和归纳国内外相关研究成果的基础上,做了如下工作：首先介绍了中小微企业的定义和划分范围,并分析了中小微企业融资的特性,介绍了中小微企业融资的相关理论基础。然后,介绍了关系型贷款的基本原理,并分别从资金供求、成本收益与博弈论三个角度,对关系型贷款解决中小微企业贷款难题作出了经济学解释。接着,从实践的角度出发,在总结归纳美、日、德三国关系型贷款发展模式的基础上,对我国发展中小微企业关系型贷款的模式进行分析,为模式的选择提出了一定建议,并对当前我国关系型贷款的具体运用模式进行了分析。最后,以上海银行为案例,对其运用关系型贷款原理开展中小微企业贷款业务进行了研究,分别从经营策略、产品设计、组织构架、业务流程等方面进行介绍,并对某中小微企业关系型贷款决策的实际案例进行评述,指出上海银行在开展中小微企业关系型贷款中取得的成效,存在的不足,并提出相应的改进建议。
[Abstract]:As an indispensable part of national economy, small and medium enterprises play an irreplaceable role in the development of socialist market economy. However, as the most important component of production factor, capital restricts the development of small and medium-sized enterprises to some extent. To solve the financing problem of small and medium-sized enterprises, we can provide more effective channels of obtaining funds for small and medium-sized enterprises, so as to give full play to the strength of small and medium-sized enterprises and promote the healthy development of national economy. This paper takes relational loans as the research object, and tries to analyze the role of relational loans in solving the financing problems of small and medium-sized enterprises. On the basis of summarizing and summarizing the related research results at home and abroad, the following works are done: firstly, the definition and scope of SMEs are introduced, and the characteristics of financing of MSMEs are analyzed. This paper introduces the theoretical basis of financing for small and medium enterprises. Then, the basic principle of relational loan is introduced, and the economic explanation is given from three angles of capital supply and demand, cost benefit and game theory. Then, from the point of view of practice, on the basis of summing up the development model of the relationship loan between the United States, Japan and Germany, the author analyzes the model of the relationship loan of the developing small and medium-sized enterprises in our country, and puts forward some suggestions for the choice of the model. At the same time, it analyzes the concrete application mode of the relationship loan in our country. Finally, taking Shanghai Bank as a case, the paper studies the application of relational loan principle to small and medium-sized enterprise loan business, respectively from the aspects of management strategy, product design, organization framework, business process, etc. This paper also reviews the actual case of relationship loan decision in a small and medium-sized enterprise, points out the achievements and shortcomings of Shanghai Bank in carrying out the relationship loan of small and medium enterprises, and puts forward corresponding suggestions for improvement.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275;F832.4

【参考文献】