改革开放四十年以来，国家在发展民营经济，推动民营企业成长上的支持力度不 断加大。但是在民营企业中占比很大的中小民营企业，在金融服务方面存在着获得融 资比较困难、获得融资的成本比较高的问题，这些问题都困扰着民营经济的发展。近 年来，我国不断出台各项政策为民营中小企业提供资金、降低企业的融资成本。目前 我国在解决这个问题上，更希望通过银行渠道来为民营企业提供融资支持，因此各家 商业银行也在尝试各种方式为民营中小企业提供多样化的金融服务来解决融资问题。 所以研究 SM 银行对民营中小企业金融服务是具有理论价值和实践意义的。 全文研究共分为四个部分，第一部分是对改革开放以来国家为破解民营企业融资 难题出台各项政策的梳理，以及对民营中小企业目前融资现状的分析；第二部分是从 融资的供给层面和需求层面来剖析民营中小企业融资困难的成因；第三部分是对商业 银行和 SM 银行服务民营中小企业的模式和做法进行总结归纳；第四部分是在上述研 究分析的基础上，提出 SM 银行应该利用自身优势从建设融资渠道，开发网络融资产 品，提升内外部合作三个方面来实现提升民营中小企业金融服务的目的。 本文旨在通过对 SM 银行在民营中小企业融资业务方面的研究，有针对性的提出 SM 银行在服务民营中小企业融资业务中能够提升的方面，为 SM 银行能够实现“民营 企业的银行”这一战略目标提供参考依据。 关键词：民营中小企业 商业银行 融资的困境II 华 中 科 技 大 学 硕 士 学 位 论 文 Abstract In the past 40 years since the reform and opening up, the government has continuously increased its support for the development of the private economy and the growth of private enterprises. However, private enterprises, especially small and medium-sized enterprises, have difficulties in financing and the problem of expensive financing troubles the development of the private economy. In recent years, China has introduced various policies to provide funds for private SMEs and reduce the cost of financing. Among them, bank loan is the main financing channel for private SMEs. Commercial banks are also trying various ways to provide diversified financial services for private SMEs to solve financing problems. It is of theoretical value and practical significance to study the financial services of SM Bank to private small and medium-sized enterprises. The whole thesis is divided into four parts. The first part is the combing out the policies of the state to solve the financing problems of private enterprises since the reform and opening up, and the analysis of the current financing status of private small and medium-sized enterprises. The second part is from the supply level and the demand level of financing to analyze the financing difficulties of private SMEs; The third part is to the commercial banks and SM banking services private small and medium-sized enterprises to summarize the model and practices; The fourth part is based on the above research and analysis, it is proposed that SM Bank should use its own advantages to develop network financing products and enhance internal and external cooperation to achieve the purpose of improving the financing business of private SMEs. This paper aims to provide reference for SM Bank to achieve the strategic goal of Bank of private enterprises through the study of SM Bank's financial services in private SMEs. Keywords: Private SMEs Commercial Bank The Plight of LoansIII 华 中 科 技 大 学 硕 士 学 位 论 文 目 录 摘要 ................................................................................................................I ABSTRACT..................................................................................................... II 图目录 ...............................................................................................................V 表目录 .............................................................................................................VI 1 绪 论 ......................................................................................................... 1 1.1 研究背景及意义 .................................................................................... 1 1.2 相关研究综述 ........................................................................................ 2 1.3 论文研究的主要内容 ............................................................................ 4 2 民营中小企业融资的现状 ......................................................................... 6 2.1 民营中小企业融资政策梳理 ................................................................ 6 2.2 民营中小企业融资来源分析 ................................................................ 8 3 民营中小企业融资困难的原因............................................................... 16 3.1 融资需求层面的原因 .......................................................................... 16 3.2 融资供给层面的原因 .......................................................................... 20 4 SM 银行服务民营企业的主要举措........................................................ 23 4.1 商业银行金融服务现状 ...................................................................... 23 4.2 SM 银行概况 ....................................................................................... 25IV 华 中 科 技 大 学 硕 士 学 位 论 文 4.3 SM 银行服务民营中小企业的措施 ................................................... 26 5 SM 银行服务民营中小企业的管理建议................................................ 28 5.1 开发融资渠道 ...................................................................................... 28 5.2 发展小微企业网络贷款 ...................................................................... 30 5.3 提升内外部合作 .................................................................................. 33 结束语 ............................................................................................................. 36 致 谢 ............................................................................................................. 37