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论文编号：	4570
作者编号：	2220110513
上传时间：	2012/9/18 14:53:24
中文题目：	商业银行面向中小企业融资服务研究 ——以北京银行为例
英文题目：	Research on Small Business Lending Services of Commercial Banks: A Case Study of Bank of Beijing
指导老师：	赵伟
中文关键字：	关键词：金融服务，中小企业融资，北京银行，银行信贷
英文关键字：	Keywords: Financial services, Small and medium-sized enterprise financing, Commercial banks, Bank of Beijing bank credit
中文摘要：	自2010年以来，随着我国货币政策不断向稳健回归，银行信贷规模收紧，中小企业的融资难问题也日益突出，中小企业面临更为严峻的融资环境。在此背景下，本文就商业银行如何定位中小企业金融业务，创新中小企业融资服务模式等问题进行了探索。论文遵循“提出问题--分析问题--解决问题”的研究思路，采取理论研究和案例研究相结合的方法，对“商业银行中小企业融资服务问题”进行了深入分析。首先，论文在对服务理论、金融服务理论、企业融资理论文献综述的基础上，界定了相关研究概念和研究思路。其次，论文从实践角度，描述我国中小企业发展与融资现状，并对“中小企业融资难”问题进行多维成因分析，为研究奠定实践基础。随后，论文从中小企业融资与商业银行发展的关系分析出发，构建了“中小企业融资服务模式创新体系”，从商业银行角度探析中小企业融资服务管理的内在机理。最后，论文通过对“北京银行中小企业融资服务”案例分析，总结北京银行中小企业金融服务的成功经验和典型案例，并从经营管理创新、风险管理创新、营销模式创新等方面提出积极建议。因此，论文从融资服务视角分析商业银行中小企业融资服务问题，既突显了金融服务创新与变革对商业银行发展的新要求，也反映了新环境下的中小企业金融服务需求和价值诉求。论文研究具有积极的理论意义和实践意义。
英文摘要：	Since 2010, as the monetary policy of China has kept steady regression, the credit scale of the banks has become tightening. As a result the difficulties of financing for small and medium-sized enterprises (SEMs) have been increasingly prominent, and SEMs face more severely financing environment. In this case, this paper explores the problem of positioning small and medium-sized enterprises’ financial business and service mode of small and medium-sized enterprises financing. This thesis follows the research methodology of "problem questioning-problem analyzing-problem solving" and makes further analysis on the problem of "financing service to SEMs for commercial banks" by combining the theoretical study with case study. First of all, basing on the literature review of service theory, financial service theory and enterprise financing theory, this thesis defines the relative research concept and research ideas. Secondly, this thesis, from practical perspective, describes the current circumstance of development and financing for SEMs. At the same time, this thesis also analyzes the multidimensional factors of their difficulties about financing, which lays the foundation for the study. Then, the thesis, after analyzing the relationship between the finance of small business finance and the development of commercial banks, performs the "innovative system for SEMs financing service mode ", within the perspective of commercial banks, it probes into the inner mechanism of the financing service management of SEMs. Finally, this thesis, summarizes the successful experience and typical cases by analyzing the case of "Bank of Beijing financing service for SEMs", meanwhile, it put forward some positive suggestions related with operation management innovation, risk management innovation and marketing mode innovation and so on. In conclusion, this thesis, from the view of financing service, analyzes the problems in commercial banks about financing service to SEMs, which not only highlights the new requirement of innovation and transformation in financing service for commercial banks, but also reflects the new needs and value appeals of SEMs about financing service under new environment. Therefore this research has positive theoretical and practical meanings.
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