-
摘要：目前，我国各大商业银行不断开发新的金融产品，其中小额贷款业务最受欢迎，已经成为促进金融业发展的新生力量。我国还不是发达国家，根据我国国情，我国还存在着大量的中小型企业，这些企业的发展对我国的经济有着不可小觑的作用。最近几年，由于中小企业的融资难、大学生主动创业资金难、农户的生产经营难等问题，大大加速了对小额贷款业务的需求。在开展小额贷款业务初期，由于商业银行的贷款条件比较苛刻，小额贷款的需求者很难达到银行认可的条件，所以很难得到商业银行的贷款支持。这种现象的存在，使得中小企业融资难问题仍然没有得到有效解决。本文认为，缓解该困境的有效途径之一是发展小额贷款业务。首先，商业银行发展小额贷款业务有利于开拓潜在的市场，成为银行新的利润收入来源；其次，开展小额贷款业务可以有效快速地缓解中小企业融资难的问题。29663
- 上一篇：地区劳动力成本差异的比较研究
- 下一篇：浅谈中国社会保障的现状及模式选择
毕业论文关键词：商业银行 小额贷款 政策引导
The Development of Small Loan Business for Commercial Banks and Policy Guidance
Abstract: At present, our country each big commercial bank to develop new financial products, including the most popular small loan business. It has become a new force to promote the development of the financial sector. Our country is not developed country, according to the national condition, our country has a large number of small and medium-sized enterprises, and the development of these enterprises on our country's economy has to be reckoned with. In recent years, due to the small and medium-sized enterprise financing difficulties, students take the initiative to venture capital, the farmer's production and operation greatly increased the demand for small loan business. At the beginning of the small loan business, because commercial Banks loan conditions is harsh, microcredit demanders hard bank approved conditions, so it is difficult to get loans of commercial Banks. The existence of this phenomenon makes the small and medium-sized enterprise financing difficult problem is still not effectively resolved. This paper argues that one of the effective ways to alleviate the dilemma is the development of small loan business. First, commercial Banks develop micro-credit business is beneficial to develop the potential market, as a new profit source of income; the bank Second, to carry out the small loans business can be quickly and effectively ease the financing difficulties of small and medium-sized enterprises.
Key Words：Commercial bank， Microfinance， Policy
目 录
一、引言 1
（一）研究背景和意义 1
（二）研究现状综述 2
1.国外研究现状 2
2.国内研究现状 4
二、商业银行开展小额贷款业务的必要性 5
（一）金融非中介化压缩贷款市场 5
（二）外资银行的进入加剧传统贷款市场的竞争 6
（三）资金周转过渡加大了银行拓展贷款业务的压力 6
（四）巨大的小额贷款需求 7
三、商业银行小额贷款业务存在的问题 8
（一）小额贷款理念过于传统 8
（二）贷款对象定位不准确 8
（三）风险防范方法单一 9
（四）贷款利率定价机制不完善 10
四、商业银行小额贷款业务的政策引导 11
（一）转变小额贷款理念 11
（二）扩展贷款对象定位 11
（三）增加风险防范方法 12
（四）健全和完善小额贷款利率定价机制 12
-
我国商业银行表外业务的发展策略研究
-
商业银行的信用卡风险和防范对策研究
-
我国民营银行温州民商银...
-
互联网金融发展对商业银行经营影响及对策
-
利率市场化进程中商业银行利率风险管理研究
-
商业银行个人住房贷款风险和防范
-
互联网金融时代中国工商银行发展模式研究
乳业同业并购式全产业链...
当代大学生慈善意识研究+文献综述
大众媒体对公共政策制定的影响
电站锅炉暖风器设计任务书
java+mysql车辆管理系统的设计+源代码
河岸冲刷和泥沙淤积的监测国内外研究现状
杂拟谷盗体内共生菌沃尔...
酸性水汽提装置总汽提塔设计+CAD图纸
十二层带中心支撑钢结构...
中考体育项目与体育教学合理结合的研究