Capital University of Economics and Business
A Dissertation Submitted for Professional Degree of Business
Administration
Research on Strategic Transition of A Bank Financing
Business in Small and Medium-sized Enterprises
Candidate：Xu Chen
Supervisor：Associated Professor Suping Huang
College of Business Administration
Capital University of Economics and Business, Beijing, China
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或他人为获得首都经济贸易大学或其它教育机构的学位或学历证书而使用过的
材料。与我一同工作的同志对研究所做的任何贡献均已在论文中作出了明确的说
明
若有不实之处，本人愿意承担相关法律责任
学位论文作者签名： 日期：2018年 3月16日
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学位论文作者签名： 日期： 2018年3月16日
指导教师签名： 日期： 2018年3月16日
I
摘要
随着经济的发展，中小企业数的数量在我国占全部企业总数的99%以上，基
本上提供了全国75%以上的就业岗位和机会，国内中小企业也试图通过股票或者
是债券的方式直接融资，但这很难实现，企业的主要融资来源依然还是传统银行
贷款。国家政策对扶持实体经济和中小企业一直保持关注态度，然而即便在市场
大量需求和国家鼓励支持下，中小企业从银行得到信贷的比例只占其活动资本的
12%。造成这种结果的原因来自于两方面。一方面，相对于大企业而言，中小企
业自身风险承受能力低，存在固定资产少、可抵押资产少、缺少风险担保、信用
评级低等先天不足。另一方面，商业银行在中小企业融资模式以及风险控制上也
亟待调整和完善，甚至是革新。商业银行既要考虑风险控制还要考虑利润收入，
在把控风险的前提下扩大银行对中小企业的融资规模，实现中小企业与银行可持
续发展成为商业银行在中小企业融资业务上亟待关注和解决的问题
本文以A银行为研究对象，在梳理中小企业融资和企业战略转型的概念与理
论前提下，研究传统中小企业融资业务模式的现有模式、问题及成因，并深入剖
析A银行在中小企业融资方面的现有状态，最终通过分析总结出A银行中小企
业融资的新模式，并制定出详细的战略转型方案和计划
本文认为：A银行中小企业融资应该采用供应链融资方式，运用互联网、区
块链等新兴技术，把握核心企业与上下游企业的实际经营情况，连接物流、资金
流和信息流等信息，以核心企业经营风险为依托，增加银行对产业链上下游企业
融资的风险控制与实际经营情况的了解，并在此基础上做深、做大、做强中小企
业融资业务
关键词：中小企业融资；风险控制；战略转型；供应链融资
II
Abstract
As the development of economy, the amount of SMEs in our country accounts
for over 99% of the total number of enterprises in the country, which has solved over
75% of the total employment volume in the whole country. And it’s difficult for
domestic SMEs to get direct finance through stocks or bonds. The main financing
channels are bank loans as well. Besides, it’s well known that national policies have
always been of concerned for the support of real economy and SMEs. However,
SMEs receive only 12% of their regular capital from banks, even with the fierce
demands from markets and the support of national encouragement. In addition to short
of fixed assets and collateral assets, lack of risk guarantee, low credit rating scores
and some other natural problems, SMEs stay in the condition of low risk tolerance.
And commercial banks also have some problems in traditional SME finance and risk
control model. Nowadays, commercial banks have to consider not only risk control
but also profit income. How to expand the scale of bank finance to SMEs under the
premise of risk control and how to realize the sustainable development of SMEs with
banks have become the focus to commercial banks.
In this paper, based on the concept and theory in financing for SMEs, and
strategic transition of enterprises, the paper studies the existing modes, present
problems and causes of traditional financing models in SMEs. And this paper analyses
the Bank A’s current status in financing to SMEs, conclude a new model in financing
SMEs, and make a detailed strategic transition programs and plans.
This study argues that, bank A should adopt the supply chain finance to develop
the SMEs finance, taking use of emerging technologies such as the internet and block
chain to grasp the actual operation between core enterprises, upstream and
downstream enterprises. And with this method bank A connects logistics, capital flow
and information flow, relying on the risk of core business, increasing bank’s
understanding of risk and real condition to upstream and downstream enterprises, and
finally help bank A to make bigger and stronger SMEs financing business.
Key words: SMEs financing; risk control; strategic transition; supply chain finance。