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论文编号：	5090
作者编号：	2220110586
上传时间：	2013/5/24 20:58:18
中文题目：	商业银行支持小企业融资模式研究
英文题目：	Research on Modes of Commercial Banks Supporting Small Enterprises Financing
指导老师：	韩德昌
中文关键字：	商业银行 小企业融资 信贷成本 风险评估 风险补偿
英文关键字：	Commercial banks, Small enterprises financing, Financing business cost, Risk evaluation, Risk compensation
中文摘要：	小企业融资难是一个全球性、长期性的问题。08年金融危机后，我国比以往更加急需拿出有效解决小企业融资难问题的办法，来缓解就业等民生问题，促进经济健康发展和战略转型。在利率市场化和金融脱媒的市场趋势下，商业银行也急需找到新的利润增长点。小企业与商业银行相互间的利益诉求更趋一致，双方更加紧密合作的意愿也愈发强烈。本文通过对国内外有关文献的梳理发现，在当前经济和政策背景下，从商业银行层面出发，如何系统地加强其对小企业融资支持的研究相对薄弱。本文恰以此为出发点进行研究，希望在商业银行如何系统全面地支持小企业融资问题上有所突破。本文首先对小企业概念进行清晰的界定，分析我国目前小企业融资现状，并基于信息不对称、逆向选择和信贷配给理论对小企业融资难问题进行深层次剖析，发现我国商业银行选择信贷配给的动力更强。其次，本文对美、日、德、韩、新等国家在解决小企业融资难问题上的经验和新进展进行了梳理，虽然国外相关经验不能直接照搬，但对我国解决小企业融资难问题有许多值得参考并借鉴的方式。最后，本文在上述分析和研究基础上，在商业银行如何增强对小企业融资支持问题上，从三方面入手提出了建设性的意见。在完善商业银行小企业风险评估体系的问题上，提出不但要加强对传统财务数据的挖掘，建立客观的、可量化的小企业风险评估模型，而且还要针对小企业信息的特点，在小企业风险评估模型中增加对“软信息”的分析和判断，大力发展关系型贷款，综合评估小企业信用状况和偿债意愿，降低商业银行小企业信贷的信用风险；在提高商业银行对小企业信贷风险的补偿问题上，提出从扩大抵押品范围和变通信用担保形式两方面来解决小企业融资风险问题；在降低商业银行处理小企业信贷业务的各项成本问题上，提出从建立小企业融资专营机构和对小企业客户群进行细分两方面来解决小企业融资成本问题。通过本文研究，希望能够为商业银行有效减少对小企业信贷的偏见和顾虑，更积极地为小企业服务，也为银行自身开辟另一块前景广阔的市场和利润增长点，实现银企共赢目标，提供有价值的决策参考。
英文摘要：	Financing difficulty of small enterprises is a global and long-term dilemma. After the financial crisis in 2008, China has to do more effort to finding a solution to financing difficulty of small enterprises, so as to ease unemployment and other living issues, and to promote healthy development and strategy transformation of economy. And in the market trends of interest rate liberalization and financial disintermediation, commercial banks also need to find new profit growth sources. The interests of small enterprises and commercial banks become more consistent. Both of them are more willing to cooperate. By carding the literatures domestic and abroad, it’s found that it is relative weak in the research of commercial banks supporting on small enterprises financing systematically, in the current economy and policy environment. Taking this as a starting point, it’s hoped for a breakthrough on how commercial banks supporting small enterprises financing systematically. Firstly, the paper defines the small enterprises clearly, and analyzes the current market conditions of small enterprises financing. Then it has a deep analysis about financing difficulty of small enterprises, based on the theories of asymmetric information, adverse selection and credit rationing. It’s found that Chinese commercial banks have more motives to credit rationing. Secondly, the paper cards the new experiences and progresses on addressing small enterprises financing in United States, Japan, Germany, South Korea and Singapore. It can’t copy these experiences directly, but could use them for reference. Finally, based on the analysis and research, the paper has some constructive suggestions in three aspects on how commercial banks enhancing financing support to small enterprises. On how to improve the risk evaluation system of commercial banks, it advises to strengthen the traditional financial data mining, and to set up an objective, quantifiable risk evaluation model. Meanwhile, commercial banks should add "soft information analyzing" in the risk evaluation model according to the characteristics of small enterprises. They should also developing the "relationship lending" vigorously, and reducing the credit risk on small enterprises loans by assessing the credit conditions and debt paying willingness of small enterprises comprehensively. On how to raising risk compensation of commercial banks to small enterprises financing business, it suggests expanding the classes of collateral and making the form of credit guarantee flexible to solve the problem of small enterprises credit risk. On how to reducing the cost of dealing with small enterprises financing business of commercial banks, it suggests establishing a specialized institution to dealing with them, and subdividing the customer base of small enterprises to solve the problem of small enterprises financing business cost. Through the studying, it’s hoped for getting some valuable reference of decision-making to help commercial banks dissolving prejudices and concerns of small enterprises financing business, and to push them to service for small enterprises more active. At the same time, commercial banks could open up another promising market and profit growth, and will achieving a win-win target with small enterprises finally.
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