2023年小微企业信贷产品创新研究1.doc

中图分类号：XXX 密 级：公开 学科分类号：XXX 论文编码：37_125100_序号_LW 硕士学位论文 〔专业学位〕 小微企业信贷产品创新研究 作者姓名：王洁琼 学科专业：工商管理 指导教师：张新教授 培养学院：MBA学院 二〇一七年五月 Research on Innovation of Small and Small Enterprise Credit Products A Dissertation Submitted for the Degree of Master Candidate：Wang Jieqiong Supervisor：Pro. Zhang Xin School of MBA Shandong University of Finance and Economics 中图分类号：XXX 密 级：公开 学科分类号：XXX 论文编码：37_125100_学位编号_LW 硕士学位论文 小微企业信贷产品创新研究 作者姓名：王洁琼申请学位级别：管理学硕士 指导教师姓名：张新职称：教授 学科专业：工商管理研究方向：企业管理 学习时间：自 2023年9月 1 日起至 2023年 6 月30 日止 学位授予单位：山东财经大学授予日期： 2023年6 月 山东财经大学学位论文独创性声明 本人声明所呈交的学位论文是我个人在导师指导下进行研究工作及取得的研究成果。尽我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写过的研究成果，也不包含为获得山东财经大学或其它教育机构的学位或证书而使用过的材料。与我一同工作的同志对本研究所做的任何奉献均已在论文中作了明确的说明并表示了谢意。 学位论文作者签名：日期：年月日 山东财经大学学位论文使用授权声明 本人完全同意山东财经大学有权使用本学位论文〔包括但不限于其印刷版和电子版〕，使用方式包括但不限于：保存学位论文，按规定向国家有关部门〔机构〕送交学位论文，以学术交流为目的赠送和交换学位论文，允许学位论文被查阅、借阅和复印，将学位论文的全部或局部内容编入有关数据库进行检索，采用影印、缩印或其他复制手段保存学位论文。 保密学位论文在解密后的使用授权同上。 学位论文作者签名：日期：年月日 指导教师签名：日期：年月日 摘 要 国内的社会主义经济当中，小微企业占有比拟重的位置，数量庞大、分布广泛、种类繁多、较为活泼，在调节以及完整产业的构造，处理人员就业，推动城镇化过程等等的方面有着无法替代的效用，为国内的经济成长以及社会的前进做出了重要奉献，党的十八大清楚指出要大力成长小微企业。但是，国内小微企业长时间面临着融资困难的境况，银行信贷融资变成阻碍小微企业突出成长的主要原因。同时，伴随国内金融制度的不断完整，商业银行间的角逐日渐剧烈，潜力巨大的小微企业渐渐变成商业银行首要抢夺的目标。小微企业信贷业务有着明显的特质，传统的信贷产品体制没方法满足市场的要求，商业银行小微企业信贷产品的革新，必须马上展开。 由此，文章根据金融的革新理念、信息的不对称理念、信贷的配给理念以及企业的金融成长周期理念，使用文献分析法，统计分析法等等的探究方式，由金融创新的视角，对国内小微企业的信贷产品的创新采取系统的解析。文章对国内外的探究进展进行整理，对小微企业信贷产品创新的有关理念采取定义，分析国内商业银行展开小微企业信贷产品创新的必重要性。随后解析国内小微企业信贷产品创新的现状，指出国内商业银行在小微企业信贷产品创新同质化严重、风险防范机制不完善、创新效劳保障体制不完善等等问题，且对问题产生的因素采取探究。以国内外优秀经验作为参考，联合国内商业银行成长的真实状况，给出促使小微企业信贷产品创新成长的意见以及策略:商业银行要细致划分市场、鼓励技术成长；建设全面的动态风险控制体制；提升小微企业信贷产品的订价力；增强小微企业的信用等级体制的构建；完备担保体制的构建；建立科学的小微企业信贷产品创新概念，加强小微企业的信贷业务投入。 关键词：商业银行；小微企业；信贷产品；创新 Abstract In the domestic economy, Small and micro businesses occupies a very important position, a large number, wide distribution, variety, more active in regulating and constructing a complete industrial processing, personnel employment, promoting the process of urbanization and has irreplaceable effect, make an important contribution to the economic growth and the progress of the society, the Party's eighteen clearly pointed out the need to grow Small and micro businesses. However, the domestic small and micro enterprises for a long time to face the situation of financing difficulties, bank credit financing has become the main reason for the growth of small and micro enterprises hinder the growth of small and micro enterprises. At the same time, with the continuous integrity of the domestic financial system, the competition between commercial banks is becoming increasingly fierce, the potential of small and micro enterprises gradually become the main target of commercial banks to snatch. Small and micro enterprise credit business has obvious characteristics, the traditional credit system can not meet the requirements of the market, commercial banks, small and micro enterprise credit product innovation, must be launched immediately. Thus, according to the financial innovation theory, information asymmetry theory, credit rationing theory and enterprise financial growth cycle theory, using literature analysis method, statistical analysis method and so on the inquiry, by the view of financial innovation, the innovation of domestic Small and micro businesses credit products adopt system analysis. This paper reviews the research progress at home and abroad, and defines the relevant concepts of small and micro enterprise credit product innovation, and analyzes the importance of the domestic commercial banks to expand the innovation of small and micro enterprises credit products. Then the status quo analysis credit product innovation of domestic Small and micro businesses, pointed out that the domestic commercial banks in Small and micro businesses credit product innovation homogeneity, risk prevention mechanism is not perfect, innovation service guarantee system is not perfect and so on, and the factors of the problems to explore. With excellent experience at home and abroad as reference, combined with the domestic commercial bank growth in the real situation, given to Small and micro businesses credit product innovation growth views and strategies: commercial banks should carefully dividing the market and incentive technology development; dynamic risk control system of comprehensive construction; enhance the Small and micro businesses credit product pricing; enhance the construction of small micro the enterprise credit rating system; establish a complete guarantee system; establish scientific Small and micro businesses credit product innovation concept, strengthen Small and mic