摘要：中小企业是国家经济发展和社会稳定的重要支柱，从经济理论分析，在转型经济中，中小企业往往是最具活力的部分，它们规模小、经营方式灵活，最有可能按照经济的比较优势来组织生产。但从银行信贷角度而言，小企业贷款风险较高，与大企业相比抗风险能力弱，且在调查过程中难以获得中小企业的确凿信息。
本论文在Stiglitz和Weiss提出信贷市场信息不对称理论的基础上、尤努斯小额贷款的成功先例以及政策法规、经济环境、中小企业融资现状、信息技术四方面分析商业银行的宏观环境的分析，并结合杭州银行作为中小商业银行的实际中小企业信贷策略，分析商业银行在中小企业贷款上平衡风险与效益的问题，从信贷产品、贷款定价、渠道发展以及吸引优质中小企业客户的贷款项目四方面提出合适针对中小企业的信贷策略，最终旨在实现中小商业银行与中小企业在融资问题上的双赢。6268
关键字：中小企业信贷；融资；信贷策略
Analysis of Commercial Bank SME credit policy
 ——Case Study of Hangzhou Bank
Abstract: SMEs(Small and medium enterprises) are the country's economic development and social stability an important force. According to economic theory , SMEs tend to be the most dynamic In transition economies ,they are small, flexible modes of operation , and Most likely to follow the comparative advantage of the economy to organize production. But from the perspective of bank credit, higher risk loans to SMEs, Compared with large enterprises weak anti-risk ability, and in the course of the investigation difficult to obtain conclusive information on SMEs.
In this thesis ,on the basic of Stiglitz and Weiss proposed the theory of asymmetric , information in credit markets, policies and regulations, the economic environment, SME financing situation, IT to analysis of Commercial Bank macro environment analysis Commercial banks are analyzed macro environment analysis.
Combined with Hangzhou Bank as SMCBs actual SME credit policy . Analysis of commercial bank loans to SMEs on the balance between risk and benefit issues, from credit products, loan pricing, channel development and attract high-quality loan program four SME customers put forward appropriate credit policy for SMEs, and ultimately aims to achieve medium and small business banks and SMEs financing issues win. Analysis of commercial banks in the SME loan balance of risks and benefits on the issue, From credit products, loan pricing, channel development and attract high-quality loan program SME customers in four areas Make appropriate credit policy for SMEs.
目录
一、引言    6
（一）研究目的与意义    6
（二）研究背景    6
1、中小企业是经济发展的重要支柱    6
2、中小企业银行融资难、融资贵    6
二.文献综述    8
三、杭州银行基本情况介绍    9
（一）杭州银行SWOT分析    10
（二）杭州银行市场定位    11
1、市场细分Selecting    11
2、目标市场Targeting    12
3、市场定位Positioning    12
四、杭州银行中小企业融资环境分析    12
（一）宏观环境分析    12
1、政策法规因素Political    12
2、市场经济因素Economic    12
3、中小企业因素Social    13
4、信息技术因素Technological    13
（二）微观环境分析    14
1、中小企业需求    14
2、竞争环境    14
五、杭州银行现行中小企业信贷策略    14 商业银行中小企业信贷策略研究+SWOT分析:http://www.youerw.com/guanli/lunwen_3710.html