【摘要】：小微企業(yè)成為市場(chǎng)經(jīng)濟(jì)中最大的,最有活力的群體,為經(jīng)濟(jì)發(fā)展、社會(huì)穩(wěn)定、促進(jìn)就業(yè)、改善民生和促進(jìn)創(chuàng)新起著基礎(chǔ)性的推動(dòng)作用,毫無疑問,小微企業(yè)成為我國經(jīng)濟(jì)社會(huì)發(fā)展的重要支撐和基本力量。然而小微企業(yè)面臨貸款難、貸款成本較高的現(xiàn)狀,在貸款過程中面臨的風(fēng)險(xiǎn),不利于企業(yè)規(guī)模的擴(kuò)大,以及企業(yè)實(shí)力的增強(qiáng)。 同時(shí)由于信息的不對(duì)稱,銀行在對(duì)待小微企業(yè)貸款問題上也面臨巨大風(fēng)險(xiǎn)。因此,本文研究當(dāng)下商業(yè)銀行小微企業(yè)面臨的貸款風(fēng)險(xiǎn)及其防范具有重要的理論意義和實(shí)踐意義。本文按照提出問題、分析問題、解決問題的思路安排文章結(jié)構(gòu),首先作者查閱大量文獻(xiàn)書籍,總結(jié)提煉其內(nèi)容作為理論基礎(chǔ),結(jié)合現(xiàn)狀分析我國商業(yè)銀行小微企業(yè)融資難的現(xiàn)狀,并指出融資風(fēng)險(xiǎn)、風(fēng)險(xiǎn)因素,然后進(jìn)一步分析我國小微企業(yè)的影響貸款的問題及影響因素,逐步分析出這些問題的風(fēng)險(xiǎn)成因,并分析我國商業(yè)銀行在此基礎(chǔ)之上,借鑒近年來迅速發(fā)展的新型貸款模式-網(wǎng)絡(luò)貸款的風(fēng)險(xiǎn),調(diào)查我國民生銀行小微企業(yè)貸款措施獲得一些經(jīng)驗(yàn),結(jié)合我國實(shí)際情況,從商業(yè)銀行的角度對(duì)我國小微企業(yè)如何規(guī)避融資風(fēng)險(xiǎn)提出可供參考的防范措施,改善我國小微企業(yè)貸款難的現(xiàn)狀。通過本文的研究,有針對(duì)性的從商業(yè)銀行提供小微企業(yè)貸款風(fēng)險(xiǎn)防范管理方向提出建議,促進(jìn)小微企業(yè)的健康長遠(yuǎn)發(fā)展。
[Abstract]:Small and micro enterprises have become the largest and most dynamic group in the market economy, playing a fundamental role in promoting economic development, social stability, promoting employment, improving people's livelihood and promoting innovation. Small and micro-enterprises have become an important support and basic force for the economic and social development of our country. However, the small and micro enterprises are faced with the difficulties of loan, the high cost of loans, the risk in the process of loans, which is not conducive to the expansion of the scale of enterprises and the enhancement of enterprise strength. At the same time, because of the asymmetry of information, banks also face huge risks in dealing with the problem of small and micro-enterprise loans. Therefore, it is of great theoretical and practical significance to study the loan risk faced by small and micro enterprises of commercial banks. This paper arranges the structure of the article according to the idea of putting forward the question, analyzing the problem and solving the problem. First, the author looks up a lot of literature books, summarizes and refines its contents as the theoretical basis. Combined with the present situation, the paper analyzes the current situation of the financing difficulties of the small and micro enterprises of commercial banks in China, and points out the financing risks and risk factors, and then further analyzes the problems and influencing factors of the loan of the small and micro enterprises in our country. Analyze the risk causes of these problems step by step, and analyze the risk of network loan, which is a new loan mode developed rapidly in recent years, based on the analysis of commercial banks in our country. In this paper, we investigate the small and micro enterprise loan measures of Minsheng Bank of our country, and combine with the actual situation of our country, and put forward some preventive measures for our small and micro enterprises to avoid the financing risk from the angle of commercial bank. Improve the current situation of small and micro-enterprise loan difficulties in China. Through the research of this paper, the paper puts forward some suggestions from commercial banks to provide risk prevention and management for small and micro enterprises, and promotes the healthy and long-term development of small and micro enterprises.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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