發(fā)布時(shí)間：2018-05-01 00:24

  本文選題：大連銀行 + 小企業(yè)��； 參考：《大連理工大學(xué)》2012年碩士論文

【摘要】：近年來,國(guó)家針對(duì)中小企業(yè)的一系列扶持政策相繼出臺(tái),中小企業(yè)呈現(xiàn)蓬勃發(fā)展的良好態(tài)勢(shì)。這是一個(gè)機(jī)遇與競(jìng)爭(zhēng)并存的時(shí)代,中小企業(yè)面臨著復(fù)雜多變的國(guó)內(nèi)外形勢(shì),既有世界經(jīng)濟(jì)復(fù)蘇、國(guó)內(nèi)消費(fèi)增長(zhǎng)、扶持政策等有利因素,也同樣存在著外部需求疲軟、經(jīng)營(yíng)成本高、轉(zhuǎn)型升級(jí)困難等不利因素。而對(duì)于國(guó)內(nèi)眾多的商業(yè)銀行來說,已經(jīng)把發(fā)展中小企業(yè)金融服務(wù)作為工作的重點(diǎn),從而展開了針對(duì)中小企業(yè)授信業(yè)務(wù)的激烈競(jìng)爭(zhēng)。 作者根據(jù)在大連銀行的工作實(shí)踐,以大連銀行小企業(yè)授信業(yè)務(wù)的發(fā)展現(xiàn)狀為研究背景,依據(jù)MBA階段所學(xué)的理論知識(shí)和研究方法,從城市商業(yè)銀行的角度來分析大連銀行小企業(yè)授信業(yè)務(wù)中存在的授信業(yè)務(wù)流程、客戶選擇、貸后監(jiān)控、金融產(chǎn)品等方面的問題,并在此基礎(chǔ)上就如何解決大連銀行有效、快速發(fā)展小企業(yè)授信業(yè)務(wù)提出了對(duì)策及建議。 本文的主要內(nèi)容如下： 第一章,緒論,闡明選題背景與意義,基于國(guó)內(nèi)外文獻(xiàn)總結(jié)和歸納； 第二章,從小企業(yè)的界定入手,闡述了我國(guó)小企業(yè)的發(fā)展現(xiàn)狀、融資現(xiàn)狀及融資存在的問題,并對(duì)商業(yè)銀行小企業(yè)授信業(yè)務(wù)進(jìn)行了簡(jiǎn)要概述。 第三章,著重闡述了大連銀行小企業(yè)授信業(yè)務(wù)發(fā)展的現(xiàn)狀,通過對(duì)小企業(yè)授信業(yè)務(wù)進(jìn)行深入的數(shù)據(jù)分析,引申出大連銀行發(fā)展小企業(yè)授信業(yè)務(wù)所存在的問題。 第四章,主要從建立小企業(yè)金融模式、實(shí)施風(fēng)險(xiǎn)管理、融資機(jī)制聯(lián)動(dòng)、金融產(chǎn)品創(chuàng)新、內(nèi)控制度建設(shè)及機(jī)制創(chuàng)新這五個(gè)方而做了系統(tǒng)的分析,進(jìn)一步分析得出大連銀行發(fā)展小企業(yè)授信業(yè)務(wù)的政策建議。
[Abstract]:In recent years, a series of support policies for small and medium enterprises have been introduced, and small and medium enterprises have shown a good trend of flourishing development. This is an era of opportunity and competition. Small and medium-sized enterprises are faced with complex and changeable domestic and foreign situations, which have both the recovery of the world economy, the growth of domestic consumption, and the supporting policies. With the weakness of external demand, high operating cost and difficult transformation and upgrading, for many commercial banks in China, the development of small and medium-sized enterprises' financial services has been the focus of the work, and the fierce competition for the credit business of small and medium-sized enterprises has been launched.
According to the work practice in the Bank of Dalian, the author takes the development status of the small business credit business of the Bank of Dalian as the research background. According to the theoretical knowledge and research methods studied in the MBA stage, the author analyzes the credit business process, the customer selection, the post loan monitoring and the finance from the angle of the city commercial bank, from the angle of the city commercial bank. On the basis of this, the paper puts forward some countermeasures and suggestions on how to effectively and quickly develop the credit business of small businesses in Dalian bank.
The main contents of this paper are as follows:
The first chapter, introduction, explains the background and significance of the topic selection.
The second chapter, starting with the definition of small enterprises, expounds the development status of small enterprises in China, the present situation of financing and the existing problems of financing, and gives a brief overview of the credit business of small business banks.
The third chapter emphatically expounds the present situation of the development of the credit business of small enterprises in Dalian bank. Through in-depth data analysis on the credit business of small enterprises, the problems existing in the credit business of the development of small enterprises in Dalian bank are extended.
The fourth chapter, mainly from the establishment of small business financial model, the implementation of risk management, financing mechanism linkage, financial product innovation, internal control system construction and mechanism innovation of the five parties and made a systematic analysis, further analysis of the Dalian bank to develop small business credit business policy recommendations.

【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

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