商业银行对小微企业金融服务研究
毕业论文关键词:商业银行；小微企业；金融服务；
Abstract
With the progress of The Times, the development of China's banking sector has been forward, money trading gradually formed from the broker in a form supply direct trading between the two sides.In addition, the development of our country's economy is speeding up the financial system of our country.For small micro enterprise, it is gradually become the backbone of the market economy in our country, to strengthen our country's economic development, promoting employment and so on all play a big role.So how to make the commercial Banks and small micro enterprise in a competitive market economy and mutual benefit and mutual assistance, mutual benefit each other, will become a hot topic in the field of financial experts depth.Based on the strategic transformation of small micro enterprise financial service in our country, is the commercial Banks in the financial disintermediation, under the background of interest rate marketization and the inevitable choice right a thesis emphatically analyzes the reasons, and through the performance of the specific case.And analysis of the commercial bank financial services to small micro enterprise problems existing in the research, and then puts forward relevant solutions.
Key word：Commercial Banks；small and micro businesses；Financial services
目 录
摘 要 I
Abstract II
第一章 绪论 1
1.1研究背景及意义 1
1.2国内外研究现状 2
第二章 小微企业金融服务的发展分析 3
2.1小微企业金融服务概述及特点 3
2.2小微企业的融资现状及融资方式 3
第三章 商业银行对小微企业的金融服务分析 5
3.1商业银行对小微企业金融服务的重要性 5
3.2商业银行增强对小微企业金融服务的现状 6
3.3商业银行对小微企业金融服务中存在的问题 7
第四章 商业银行对小微企业的金融服务的对策和建议 10
4.1加强产品与服务的创新 10
4.2完善信贷风险管理体系 11
4.3完善小微企业融资的法律体系 11
4.4完善信用监理体系 12
第五章 案例分析 13
5.1浦发银行简介 13
5.2浦发银行对小微企业打造的金融服务模式 13
结束语 16
致 谢 17
参考文献 18
第一章 绪论
1.1研究背景及意义
1.1.1研究的背景
对于银行来说，它最主要的目的就是盈利，并且是通过筹得资金，作为他们主要的营运方式，它是拥有一种信用创造功能的金融体系。而小微企业在近几年来成长的很快。而商业银行对小微企业的金融服务，对于双方两边来说的话，亦是对两方都有意的局面，彼此互利互助、互惠互赢。
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