近年来,在国民经济发展过程中,中小企业成为最活跃、最重要的经济主体,在促

进地方经济增长、增加税收、提高就业率等方面功不可没。但是,中小企业在成长过程

中,普遍存在“融资难”和“融资贵”的问题。据中国中小商业企业协会的调查数据,

中小企业从银行贷款感到困难的占42%,比较困难的占31%,非常困难的占27%。中小企

业从商业银行贷款融资,利率通常在10-15%之间。

本文在从经济学逻辑、外部影响因素、中小企业自身和金融机构等方面,分析我国

中小企业“融资难”、“融资贵”原因的基础之上,重点介绍了 XA商业银行总体情况,

深人剖癖7.XA商业银行中小企业融资业务的现状,同时指出了其存在的主要问题。为了解决中小企业“融资难”、“融资贵”的现象以及促进XA商业银行中小企业融资业务

的发展创新,本文利用SWOT分析法,分别从优势、劣势、机会和威胁四个方面进行了

具体分析,最后给出了 XA商业银行中小企业融资业务创新的思路和具体举措。

XA商业银行应将“服务小企业、成就大事业”作为新时期的战略定位,在解决中小

企业“融资难”的过程中,实现跨越式发展。按照“差异定位、创新引领、风险可控”

的思路,釆取创新业务经营理念、坚持多方位产品创新、提高规模经营效益、完善担保

和信用评价方式、提高贷前评估科学性、优化信贷流程与服务、建设专业化服务团队、

减免资金费用并与众让利、切实完善风险防控体系等举措,最大程度解决中小企业“融

资难”和“融资贵”的问题,从而为西安市经济发展转型、提质增效做出积极贡献。

【关键词】商业银行;中小企业;融资;创新

【研究类型】应用型研究

Title: Innovation of SMEs Financing Business in XA Commercial

Bank

Business Specialty: Business Administration

Name:Yuan Fang

Tutor: Zhao Shouguo

Signature:

Signature:

Abstract

In recent years, small and medium-sized enterprises (SMEs) have

developed to be the most vigorous and important body in China's national

economy, and their contribution to the promotion of local economic growth,

increase of tax revenue and improvement of employment rate is especially

significant. However, in the course of their development, SMEs in general are

confronted with such problems as difficulty and high cost of financing. Statistics

from the survey by China Association of Small and Medium Commercial

Enterprise show that, as to the process of obtaining loans from banks, 42% of

SMEs recognize it as being difficult, 31% of SMEs regard it as being fairly

difficult and 27% of SMEs identify it as being very difficult. The interest rates of

loans granted by commercial banks to SMEs are usually within the range of

Based on an analysis of the underlying reasons for difficulty and high cost

of SMEs' financing in China from such perspectives as logic of economics,

exogenous factors, and inherent characteristics of SMEs and financial

institutions, this paper is to present a general observation of XA Commercial

Bank, investigate the current development of its SMEs financing business, and

reveal the main problems in its operations. With purposes of solving the

problems of difficulty and high cost in SMEs financing, and promote the

innovation of SMEs financing business in XA Commercial Bank, this paper

employs SWOT matrix to evaluate the strengths, weaknesses, opportunities and

threats of the bank, and concludes with ideas and proposals for the innovation of

10-15%,

XA Commercial Bank's SMEs financing business.