企业银行融资问题相关研究定稿.docVIP

本科生毕业论文（设计） 工商企业管理专业 题　 目 中小企业银行融资问题相关研究 系 别： 专 业： 学生姓名： 学生学号： 年级 指导教师： 　 职称 摘 要 长期以来，中小企业在就业与经济增长方面做出了巨大贡献，但中小企业所获得的金融资源却十分匮乏，特别是银行融资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。另一方面，随着中国金融形势的不断变化,我国商业银行的经营环境也面临着前所未有的问题:金融脱媒分流银行融资收入、利率市场化不断压缩银行利润空间以及贷款集中度趋高不断加大银行信贷风险。这些问题的出现都将对商业银行未来的可持续发展造成极大的影响。因此,加强中小企业信贷研究,加快贷款结构的调整,加大中小企业信贷业务的比重,无论是对银行业务的健康发展,还是为帮助中小企业渡过当前危机,实现中国经济结构的调整及经济增长方式的转变,都是非常紧迫的一个课题。本文就是在这样的背景下开展中小企业银行信贷业务研究的。 关键词：中小企业; 银行融资; 信贷改革 Abstract For quite a long time, although small and medium-sized enterprises have played an important role in employment and economic growth in China, the finance resources which they are acquiring are very deficient. The financing difficulty, especially the financing from banks, has become the biggest bottle-neck which severely impedes the further development of the small and medium-size enterprises. In the other hand, with the continuing change of Chinas finance situation, the management environment of commercial banks in China is also facing unprecedented problems, such as the abandoning of bank as financial media is splitting-flow of the banks income of financing, the market interest is shrinking the profit margin of the banks and the increasing trend of concentration degree of loaning is constantly increasing the credit loan risk of the banks. The appearance of these problems has greatly influenced the future sustainable development of commercial banks. Therefore, strengthening credit l...更多oan research on small and medium-size enterprise, quickening the adjustment of loan structure, increasing the proportion of credit loan business of small and medium-size enterprise, are very urgent topics, regardless of the healthy development of bank business, assisting small and medium-size enterprise to survive in the current economic crisis, realizing the adjustment of Chinas economic structure and the transf