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本文运用了文案调查法、个案研究法、归纳总结法等方法,在
相关的理论基础上,以包商银行宁波分行为例,展开了对中小企业
金融支持制度的研究。文章主要围绕商业银行在解决中小企业融资
问题中能够发挥重要作用这个核心,逐步深入,分析包商银行宁波
分行在金融支持制度方面的缺陷,最后提出相应对策
本文一共分为五大部分,第一部分绪论,主要介绍了文章的研
究背景和研究意义,笔者查询了大量文献资料,包括国内外的商业
银行对中小企业信贷支持的文献,并对国内外的研究进行了总结,
为本文的研究做好基础。第二部分是商业银行对中小企业金融支持
制度的理论介绍,主要介绍了中小企业融资的概念,以及中小企业
融资的主要方式和主要来源等,分析了中小企业融资难的主要原因,
由此推出商业银行完善中小企业金融支持制度的必须性;第三部分
是对包商银行宁波分行的金融支持制度的具体分析,介绍了包商银
行宁波分行的信贷业务发展情况,银行的业务情况,以及对中小企
业的信贷支持情况,重点分析了包商银行宁波分行对中小企业金融
支持制度中存在的缺陷,这些缺陷主要表现在银行对中小企业的信
贷支持力度上,银行对中小企业支持的传统观念上,银行对中小企
业信贷制度上,银行对中小企业金融支持制度上;第四部分,包商
银行宁波分行完善对中小企业金融支持制度提出了具体建议,主要
从构建独立中小企业核算机制,扩大服务范围处罚,建议包商银行
宁波分行开展中小企业贷款承诺业务,以此来促进中小企业的资金
流动,在业务方面要加快业务创新,来分散在信贷过程中可能会出
现的各种风险,降低信贷风险带来的损失,此外包商银行宁波分行
还要完善信用评级体系,为中小企业提供有效信息平台,以保证中
小企业信贷工作的顺利进行。文章的最后概括了本文的创新点与展
望
关键词包商银行,中小企业融资,支持制度
II
ABSTRACT
As is known, credit from the commercial banks is the main source
of SMES' financing. To study the supporting system for SMES'
financing of Baoshang Bank Ningbo Branch not only helps to find new
profit sources for commercial banks, to improve their capital adequacy
ratio and competitiveness, but also launches great significance for
SMES' financing under current economic environment. Based on
relevant theories, this paper has made deep analysis on the supporting
system for SMES' financing of Baoshang Bank Ningbo Branch and
achieved solid conclusion.
Methods such as document survey, case study, and induction have
been used in this paper. It focuses on the important role of commercial
banks in solving the issue of SMES' financing, analyses both the
advantages and disadvantages of financing support system of Ningbo
Branch and puts forward corresponding solutions.
The paper includes five parts. The first part is introduction, mainly
introducing the background knowledge and significance of the research.
The author consulted a large number of documents about both domestic
and foreign commercial banks' supporting system for SMES' financing,
which made solid theoretical foundation for the research. The second
part studies the concept, methods and main sources of SMES' financing,
analyses the great difficulty of the issue and summarizes the significance
of improving the financing support system of commercial banks. The
third part makes detailed analysis on the financing support system of
Ningbo Branch, its development of credit business and the shortcomings
of regulations on SMES' financing. The fourth part puts forward
concrete suggestions on perfecting the financing support system for
SMES from three aspects: establishing independent accounting
mechanism for SMES'; enlarging service scope; developing loan
commitment business. Innovations are in great need to disperse the
credit risks and reduce the loss. Besides, credit evaluation system needs
to be improved to provide efficient information for SMES to guarantee
the smooth progress of the work. At the end of the article, the author
summarizes the innovations of the research and makes prospect for the
later studies.
KEY WORDS Baoshang Bank, SME financing,support system
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