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本文主要以股份制银行为研究对象，运用文献研究、调研与理论分析
等方法对股份制银行与中小企业之间的融资策略进行探讨。论文主要分为
六章，第一章主要说明了本文的研究背景与意义，以及对国内外相关文献
进行了整理与研究；第二章梳理了金融创新与信息不对称等理论知识，为
下文的问题分析奠定了理论基础；第三章主要通过融资背景、原因、规模
与方式等方面描述了股份制银行对中小企业融资的现状及存在问题；第四
章结合了国内外先进经验，以股份制银行的角度来重点分析了与中小企业
之间存在的信息沟通、风险控制、担保方式、信贷管理与产品创新等问题；
第五章通过上述存在的问题分析，并结合目前市场环境的现实境况及中小
企业的发展特点，提出了股份制银行对中小企业融资支持的具体对策；第
六章主要对本文的研究结论进行总结与展望
本论文的研究能够为其他金融机构提供如何支持中小企业融资等方面II
的建议。同时，在保证风险可控的前提下，股份制银行向中小企业提供融
资能够增加利润收入并提高综合收益，履行股份制银行应尽的社会责任和
义务，也为解决中小企业融资困难等问题提供帮助
关键词：股份制银行;融资;中小企业;风险控制;金融产品创新III
The present analysis and countermeasure research
on the financing support of small and
medium-sized enterprises by joint-stock Banks
Abstract
With the development of market economy and constantly improve, middle
and small-sized enterprises have become an important force in economic
development in our country in the contribution rate of GDP, tax and absorb the
employment quantity and so on. Bank financing is the main financing channels
of middle and small-sized enterprises in our country, but because of the
characteristics of middle and small-sized enterprises, and is affected by the
economic downturn in recent years, the Banks have reduced in different degrees
for middle and small-sized enterprises financing support. As an important part
of our country&39;s financial system, joint-stock bank for middle and small-sized
enterprises financing has a very important role, therefore, This thesis combining
with the current time background and the social reality, hoping to better play a
role of joint-stock bank for middle and small-sized enterprises financing
support.
This article mainly to the joint-stock Banks as the research object, using
the method of literature study, investigation and theoretical analysis, the
joint-stock banks and middle and small-sized enterprises financing between
strategy were discussed. Thesis mainly divided into six chapters, the first
chapter mainly illustrates the research background and significance of this
article, as well as research on the relevant literature to the domestic and foreign;
The second chapter combed the financial innovation theory and information
asymmetry theory knowledge, laid a theoretical basis for the problem analysis
for the rest of the article; The third chapter mainly through financingIV
background reason, scale and means describes the joint-stock Banks to middle
and small-sized enterprises financing present situation and existing problems;
The fourth chapter combines the advanced experience both domestic and
foreign, and the joint-stock Banks are also analyzed from the point of view of
the existence of middle and small-sized enterprises information communication,
risk control, guarantee way, credit management and product innovation; The
fifth chapter through the above analysis of existing problems, and combined
with the current market environment, the reality of the situation and the
development characteristic of middle and small-sized enterprises, puts forward
the joint-stock Banks to carry out the countermeasures and suggestions of
middle and small-sized enterprises financing. The sixth chapter summarizes and
prospected the conclusions of this article.
Research of this paper to other financial institutions to provide advice on
how to support middle and small-sized enterprises financing. At the same time,
on the premise of guarantee risk controllable, joint-stock Banks to provide
financing to middle and small-sized enterprises to increase profits and enhance
comprehensive benefits, the performance of the bank&39;s social responsibility and
obligation, and to solve the problem of financing difficulties of middle and
small-sized enterprises to provide help.
Keywords: Joint-stock Banks; Financing; Middle and small-sized enterprises;
Risk management; Financing products’ innovationI
目 录
1 绪论 ....... 1
1.1 研究背景及意义 .... 1
1.1.1 研究背景 ..... 1
1.1.2 研究意义 ..... 2
1.2 文献综述 .......... 2
1.2.1 国外相关文献研究 ......... 2
1.2.2 国内相关文献研究 ......... 4
1.3 主要内容及框架 .... 7
1.3.1 主要内容 ..... 7
1.3.2 框架结构 ..... 9
1.4 研究方法 .......... 9
2 相关理论基础 ........... 11
2.1 金融创新理论 ..... 11
2.2 信息不对称理论 ... 12
3 股份制银行对中小企业融资的现状及存在问题 ....... 15
3.1 股份制银行对中小企业融资的现状 ........... 15
3.1.1 股份制银行对中小企业开展融资的背景 .. 15
3.1.2 股份制银行对中小企业开展融资的原因 .. 19
3.1.3 股份制银行对中小企业开展融资的规模与方式 ........ 20
3.2 股份制银行对中小企业开展融资存在的问题 ... 23
3.2.1 信息沟通中的问题 ........ 23
3.2.2 风险控制中的问题 ........ 24
3.2.3 担保方式中的问题 ........ 25
3.2.4 信贷管理中的问题 ........ 26
3.2.5 金融创新中的问题 ........ 27
4 股份制银行对中小企业开展融资存在的问题分析 ..... 29
4.1 信息沟通中的问题分析 ......... 29
4.1.1 股份制银行对中小企业经营情况的分析 .. 29
4.1.2 股份制银行对中小企业实际控制人的分析30
4.2 风险控制的问题分析 ........... 31
4.2.1 从中小企业所处行业分析 .. 31II
4.2.2 从中小企业上下游客户分析 ........... 32
4.2.3 从中小企业财务真实性分析 ........... 32
4.3 担保方式中的问题分析......... 33
4.3.1 股份制银行对中小企业融资担保措施的分析 ......... 34
4.3.2 股份制银行对中小企业偿还能力的分析 . 36
4.4 信贷管理以及产品创新的问题分析........... 37
4.4.1 对中小企业信贷管理中的问题分析 ..... 37
4.4.2 对中小企业金融产品创新的问题分析 ... 38
5 股份制银行对中小企业融资支持的对策 41
5.1 建立中小企业信息平台
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