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论文编号：	2581
作者编号：	2220070777
上传时间：	2010/6/12 10:36:02
中文题目：	天津滨海农村商业银行支持中小企业发展研究
英文题目：	The Study of Tianjin Binhai Rural Commercial Bank Supporting the Development of SMEs
指导老师：	张永强
中文关键字：	关键词：滨海银行 中小企业 融资支持
英文关键字：	Key words: Tianjin Binhai Rural Commercial Bank SMEs Financing support
中文摘要：	随着国民经济的快速发展，以多种所有制形式为特征的中小企业数量的不断增多及规模的逐步扩大，中小企业在国民经济和社会发展中发挥着越来越重要的作用。然而，中小企业自身的经营特点往往使其无法获得银行信贷资金的支持，中小企业融资难成为制约中小企业健康快速发展的主要问题。为此，国务院和银行监督管理委员会多次下发有关支持中小企业发展的意见及制度政策，要求商业银行充分发挥其金融职能。 天津滨海农村商业银行作为一家成立不足三年的农村商业银行，虽然尚未得到社会各界的普遍认知，但其在支持中小企业发展方面所做的积极尝试既顺应了经济的发展，又贯彻执行了银行监督管理委员会的要求，更获得了自身的快速发展，值得各家银行，特别是中小型商业银行参考借鉴。 本文以天津滨海农村商业银行小企业贷款服务中心为具体研究对象，围绕其职能定位及支持中小企业发展的途径展开论述，通过对经济环境及宏观政策导向的分析，以及对银行业体系和天津银行业的发展现状的阐述，深入剖析中小企业的经营特点和导致其融资难的根本原因，并结合实际情况，提出天津滨海农村商业银行小企业贷款服务中心支持中小企业发展的途径和保障措施。 论文共分五章：第一章阐述了论文的研究背景、研究意义、研究内容和研究框架。第二章回顾了我国银行体系的概况和天津银行业的发展现状。第三章分析了天津滨海农村商业银行成立的背景和意义，并分析了主要职能。在前三章的基础上，第四章重点论述了天津滨海农村商业银行小企业贷款服务中心支持中小企业发展的具体途径，通过识别中小企业的经营特点以及其难以获得银行信贷资金支持的症结所在，制定与之相匹配的外部营销和内部管理策略，切实帮助中小企业健康快速的发展。第五章论述了天津滨海农村商业银行小企业贷款服务中心支持中小企业发展的保障。通过上述研究得出了本文的结论，即支持中小企业发展是中小型商业银行平衡与响应国家号召、贯彻监管部门要求、谋求自身快速发展的必然选择。
英文摘要：	With the fact that the national economy fleetness develops, the increase by ceaselessly and small in step-by-step scale expansion, enterprise taking multiple forms of ownership as the characteristic medium-sized and small enterprises quantity is bringing the more and more important effect into play in national economy and social development. However, SMEs often characterized by its own operations can not obtain bank credit funds to support SME financing as a constraint to the rapid development of SMEs, the major health problems. To this end, the State Council and the Banking Regulatory Commission has issued several opinions related to support SME development and institutional policy to require commercial banks to give full play to its financial functions. The Tianjin Binhai Rural Commercial Bank was established as a less than three years of the rural commercial banks, although that have gotten common the general public cognition not yet , the role is supporting SMEs to develop trial made by aspect now that adjustment development of the economy , the request having implemented the banking supervision management committee, have gained self's speedy development more , also have been worthy for every bank , especially middle and small sized commercial bank reference to draw lessons. This thesis takes the Tianjin Binhai Rural Commercial Bank small business loan service center as the concrete object of study, locates and supports the SME development the way to launch the elaboration regarding its function, through to the economic environment and the macroscopic policy guidance's analysis, as well as to the banking industry system and the Tianjin Banking industry's development present situation's introduction, analyzes the SME thoroughly the management characteristic and causes it to finance the difficult basic reason, the union actual situation, supports the SME development on the Tianjin Binhai Rural Commercial Bank the strategy to carry on the deliberation exchange. This thesis is divided into five chapters: The first chapter elaborated the thesis research background, the research significance, the research content and the research frame. The second chapter reviews the profile of the banking system in China and Tianjin Banking industry's development present situation. The third chapter has analyzed the Tianjin Binhai Rural Commercial Bank tenable background and the significance, and analysis of the main functions. In the first three chapter of foundations, the fourth chapter elaborated the Tianjin Binhai Rural Commercial Bank small business loan service center to support the SME development with emphasis the concrete way, through distinguished the SME managing supports as well as it earns the bank credit capital support the crux to be at with difficulty, formulates the exterior marketing which and the internal management strategy matched with it, helped the SME health fast development earnestly, at the same time, has obtained the good effectiveness of operation. The fifth chapter has indicated the direction for the small business loan service center future development. Takes advantage of this, has drawn this thesis conclusion, namely supports the small and small and medium sized enterprise development is middle and small scale Commercial bank balanced and the response country summoned that the implementation Supervisory department requests, to seek own fast development the choice inevitably.
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