中小商业银行对小企业信贷支持的研究——以YH银行为例.pdf

Subject ：Studyofcreditforsmallbusinessestosupportsmalland medium-sizedcommercialbanks InthecaseofYHBank Specialty ：BusinessManagement Name ：JiaFang （Signature） Instructor Wang Xinhong Signature ： （ ） ABSTRACT Becausemoreandsocialcontributionsofsmallenterprisesbyprovidingmoreprominent, thereforethefinancingproblemsofsmallenterpriseshasattractedmoreandmoreattentionof the society, for the small and medium-sized commercial banks, for smallbusiness financial services has become a feature of their existence, and these banks large force for the developmentofsmallbusiness financialservices,makeitbecome amethodstodealwiththe market-orientedinterestrate.Atthesametime,thesmallbusinesscreditisdevelopingrapidly, thetheoryhasbecomethecurrentdomesticandforeigncommercialbanks andtheindustrya hotissueofresearchscholars. Thispaperresearch anglepositioninginthe smallandmedium-sized commercialbanks, combinedwiththeresearchresults of scholarsathome andabroad,from smallbusinessesto start,throughtheimportanceofsmallbusinesstoourcountrysocialeconomy,comprehensive development, especially the important significance to the development of commercial banking business in small and medium-sized city, explains the characteristics of financing development present situation, our country small the small business enterprise, leads to a series of financing problems of small enterprises. Then introduces the characteristics and operation principle of the domestic small and medium-sized commercial banks for small business creditservices,andfromthe smallandmedium-sizedbanksto smallbusiness credit servicesadvantages,disadvantagesofthetwo aspectsofthe credit serviceanalysis.Through the description ofthe current situation ofYH bank, aswell as the development situa