首页 > 资料专栏 > 论文 > 财税论文 > 金融投资论文 > MBA硕士毕业论文_山市小微企业贷款问题研究PDF

MBA硕士毕业论文_山市小微企业贷款问题研究PDF

资料大小:591KB(压缩后)
文档格式:PDF
资料语言:中文版/英文版/日文版
解压密码:m448
更新时间:2022/1/22(发布于广东)

类型:金牌资料
积分:--
推荐:升级会员

   点此下载 ==>> 点击下载文档


文本描述
小微企业具有基础性、广泛性、灵活性的特点,是国家经济结构转型升级中最有 活力、最具潜力的市场主体,因此,国家出台了一系列产业、金融、税收政策支持小 微企业发展。由于小微企业缺乏固定资产,经营管理随意性强,难以达到商业银行的 放款条件,因此出现了小微企业贷款难的问题。在国家号召和推动下,商业银行将小 微企业金融服务作为“蓝海”开拓市场,为小微企业提供融资支持,支持小微企业发 展壮大。因此,在保障小微企业融资需求的同时有效管控不良贷款成为商业银行需要 关注的重点问题。 本文从小微企业贷款难问题解决情况和小微企业不良贷款状况两方面对唐山市 小微企业贷款问题进行研究。通过对小微企业发展情况数据和小微企业贷款情况数据 的统计分析,发现小微企业贷款难的问题得到缓解,但是小微企业不良贷款加剧,表 现为贷款投向行业集中、贷款担保方式单一、贷款清收管理滞后三方面的问题。进一 步,利用回归分析的方法分析了唐山市小微企业不良贷款影响因素,建立了以小微企 业不良贷款率为被解释变量,以小微企业贷款余额、装备制造业增加值增长率、抵押 贷款占比、不良贷款清收比例为解释变量的模型,发现小微企业贷款余额、抵押担保 贷款比例对小微企业不良贷款率存在正向影响,装备制造业增加值增长率、不良贷款 清收比例对小微企业不良贷款率存在负向影响。最后,从管控行业风险、改变担保方 式、弥补管理漏洞三方面提出小微企业不良贷款管控的措施。 唐山市作为国家级“小微企业创业创新基地城市示范”,具有发展小微企业的动 力和政策优势,本文对唐山市小微企业贷款风险做整体分析并依据现有政策条件提出 可行性建议,对匹配唐山城市发展战略和支持小微企业良性健康发展具有一定的意 义。 关键词:小微企业;不良贷款;回归分析;管控策略 II Abstract Small and micro enterprises are basic, extensive and flexible. They are the most dynamic and potential market subject in the transformation and upgrading of the national economic structure. Therefore, the state has issued a series of industrial, financial and tax policies to support the development of small and micro enterprises. Due to the lack of fixed assets, the management of small and micro enterprises is arbitrary, it is difficult to meet the conditions for commercial banks to lend, so the financing of small and micro enterprises has become difficult. Under the call and promotion of the state, commercial banks take the financial services of small and micro enterprises as "blue sea" to open up the market, provide financing support for small and micro enterprises, and support the development and growth of small and micro enterprises. Therefore, to effectively control non-performing loans while ensuring the financing needs of small and micro enterprises has become a key issue for commercial banks to focus on. This paper studies the loan problem of small and micro enterprises in Tangshan from two aspects: the solution to the problem of loan difficulty of small and micro enterprises and the situation of non-performing loans of small and micro enterprises. Through the statistical analysis of the development data of small and micro enterprises and the loan data of small and micro enterprises, it is found that the problem of loan difficulty of small and micro enterprises has been alleviated. However, the aggravation of non-performing loans of small and micro enterprises is manifested in three aspects: the concentration of loans in the industry, the singleness of loan guarantee methods and the lagging of loan clearance management. Further, this paper uses regression analysis to analyze the influencing factors of loan credit risk of small and micro enterprises in Tangshan, and establishes an explanatory variable based on the non-performing loan rate of small and micro enterprises, with the loan balance of small and micro enterprises, the growth rate of added value of equipment manufacturing industry, the total retail sales of social consumer goods, the proportion of mortgage loans and non-performing loans as explanatory variables. The model with the ratio of liquidation as the explanatory variable finds that the loan balance and the ratio of mortgage guaranteed loan have a positive impact on the non-performing loan rate of small and micro enterprises, while the growth rate of added value of equipment III manufacturing industry and the ratio of non-performing loan liquidation have a negative impact on the non-performing loan rate of small and micro enterprises. Finally, the paper puts forward the measures of controlling non-performing loans in small and micro enterprises from three aspects: controlling industry risks, changing guarantee methods and remedying management loopholes. Tangshan is a national-level "small and micro enterprises innovation base city demonstration", with the development of small and micro enterprises power and policy advantages. This paper analyzes the risk of small and micro enterprises loans in Tangshan City as a whole and puts forward feasible suggestions according to the existing policy conditions, to match the development strategy of Tangshan City and support the healthy development of small and micro enterprises. This paper has a certain significance. Key words: Small and micro business; Non-performing loan; Regression analysis; Control strategy V 目 录 第一章 绪论 ...................................................................................................................... - 1 - 1.1 选题来源与意义 ......................................................................................................... - 1 - 1.1.1 选题来源 .......................................................................................................... - 1 - 1.1.2 选题意义 .......................................................................................................... - 2 - 1.2 文献综述 ...................................................................................................................... -2 - 1.2.1 国外文献综述 ................................................................................................... -2 - 1.2.2 国内文献综述 .................................................................................................. - 3 - 1.3 研究方法和研究内容 ................................................................................................. - 6 - 1.3.1 研究方法 .......................................................................................................... - 6 - 1.3.2 研究内容 .......................................................................................................... - 6 - 第二章 相关概念、理论及政策 ...................................................................................... - 9 - 2.1 小微企业的界定 ......................................................................................................... - 9 - 2.2 小微企业贷款理论 ................................................................................................... - 10 - 2.3 小微企业贷款政策 ................................................................................................... - 12 - 第三章 唐山市小微企业贷款情况及问题分析 ............................................................ - 17 - 3.1 小微企业发展状况 ................................................................................................... - 17 - 3.2 小微企业贷款情况 ................................................................................................... - 19 - 3.3 小微企业贷款难问题得到缓解 ............................................................................... - 22 - 3.4 小微企业不良贷款问题加剧 ................................................................................... - 23 - 3.4.1 贷款投向行业集中 ........................................................................................ - 23 - 3.4.2 贷款担保方式单一 ........................................................................................ - 25 - 3.4.3 贷款清收管理滞后 ........................................................................................ - 26 - 第四章 小微企业不良贷款影响因素分析 .................................................................... - 29 - 4.1 变量选择 ...............................................................................