【作者】 杨烨；

【导师】 孙秋枫；

【作者基本信息】 吉林大学 ， 工商管理， 2011， 硕士

【摘要】 本文从金融机构创新中小企业授信产品角度出发,重点分析省内中小企业融资需求及融资难点,结合国内外同业情况,对现阶段中行吉林省分行中小企业融资产品创新业务开展情况进行分析,引申出下阶段融资产品创新业务的发展方向及实践设想,文章对中小企业融资类产品创新业务的顺利开展提出了建设性意见,对提升中小企业融资产品的市场竞争能力、提高服务水平具有一定的借鉴作用。文章认为中小企业融资产品创新业务发展是一个渐进过程,需要密切关注国家政策、法律、宏观经济等各个领域,服务于中小企业的融资产品是多种多样的,只要遵循金融工具创新原理,针对中小企业的具体情况及相关环境,就可设计出符合不同中小企业的融资工具,文章最后建设性地提出创新理念及方案,对中小企业融资产品创新业务发展具有一定的参考意义。本文首先说明了研究的背景和意义,研究的方法及内容,为论述中小企业融资类产品创新业务提供了铺垫。本文着重分析了当前全省中小企业现状、融资需求、融资类产品的特点,以及大力发展中小企业融资类产品的必要性及可行性,指出当前正是中行吉林省分行全面扶持中小企业发展、拓展中小企业客户的有利时机,省中行应进一步转变发展方式,从授信制度、授信产品、授信机制上积极适应省内中小企业发展现状,务必以融资类产品创新为切入点有效改变传统服务模式以寻求综合的最佳服务方案。文章对当前中小企业融资类产品的现状进行分析,主要选取了韩国银行、美国银行及国内外资银行等同业产品进行对比,寻找同业先进的金融服务经验,得出域外同业及外资银行在扶持中小企业发展过程中尽量选择低资本消耗的贸易融资业务创造利润,并积极依托现代科技手段提高资本效率。文章紧密结合中行吉林省分行目前该项业务的发展情况,对比中行系统内的经验,提出中行吉林省分行中小企业债务类融资产品创新级别还有待提高、担保方式创新灵活性不足等结论,并提出相关改进建议。文章最后对中小企业融资类产品创新业务提出相关建设性意见,针对业务发展实际情况提出2011年具体创新理念及十个设想方案,并指出创新融资产品必须针对不同发展时期设计不同的金融工具,综合形成“一户一策”的融资方案,才能有效解决中小企业融资难的问题,才能为中小企业的发展提供真正的帮助。文章还提出了创新融资产品的保障措施,简要论述了融资产品创新机制的内涵,对加强管理机制、集合创意机制、流程机制、后评价机制、风险管控机制、创新文化建设机制及队伍建设机制方等面提出相关建议。文章认为,中行吉林省分行经过不断地努力和探索,未来完全有能力成为省内服务中小企业的主力银行,中小企业也将成为未来支撑业务发展成长的主要板块之一。更多还原

【Abstract】 This thesis focuses on the financing needs and difficulties of Small and Medium Enterprises(SMEs) in Jilin Province from the perspective of credit products for SMEs. With the analysis of innovative business development in financing products of Jilin Branch of Bank of China(BC) at this stage compared with the banking systems at home and abroad, the developing direction and practical ideas of the innovative business in financing products of the next stage are formulated. Meanwhile, the research makes a constructive proposal for the smooth development innovative in financing products so that the market competitiveness and the service level will be promoted for the financing products of SMEs.The thesis holds the point that as a gradual process, the development of the innovative business of financing products for SMEs needs to play close attention to the national policies, laws and macroeconomic and other fields. Since various financing products are designed to serve for the SMEs, as long as the principles of financing innovative instruments are obeyed for the specific and related environments of SMEs, the financing instruments can be designed to fit for different SMEs. Finally, the study proposes the innovative solutions and constructive ideas which play a valuable role for the development of innovative business of financing products for SMEs.The thesis consists of five chapters in which fourteen sections are included.The first chapter serves as an introduction which lays out the research background, significance, methodology, focus and the limitation of the thesis.Chapter Two not only focuses on the current financing needs, the characteristics of the needs of SMEs in Jilin province, but also on the innovative theory financing products. Meanwhile, the necessity and feasibility of the innovative financing products for SMEs are covered. It points out that now it is a favorable opportunity for Jilin Branch of BC to provide the all-round support to the development of SMEs and expand the clients for SMEs. The Provincial Bank of China should further change the mode of development to actively meet the development of SMEs in Jilin province from the aspects of credit system, credit products and credit mechanism. The innovative financing products will be an entry point to change the traditional service model so that a comprehensive solution will be achieved.Chapter Three carries out an analysis of the financing products for SMEs. The advanced experience of Bank of Korea, Bank of America and foreign banks in China is selected to be analyzed in order to seek out the advanced financial service experience. It can be concluded that when dealing with the financing supporting for the SMEs, both the extraterritorial foreign banks and the foreign banks in China try to choose low-capital consumption of trade finance business to make profits, and improve the capital efficiency by means of relying on modern technology actively. In this chapter, the present situation of the innovative business needs for SMEs of Jilin Branch of BC is under analysis to seek out the disadvantages. It draws the conclusion that there still exist some problems for the innovative business of financing products in the Jilin Branch, like high cost, shortage of trade financing portfolio and insufficient use of modern technology and so on. Therefore, the coming innovative service of financing products should put the emphasis on the study of the promotion of improved products and the portfolio of products.According to the internal advanced experience of Bank of China, Chapter Four figures out the existing problems in Jilin Branch of BC so that the conclusion is reached that the innovative level of debt financing products needs to be improved and equity financing products need to be enhanced.The related constructive suggestions are proposed for the innovative business of financing product for SMEs in Chapter Five. It discusses the definition of innovative mechanism of financing products and offers the suggestions from the following aspects: especially from strengthening the management mechanism, collecting the innovative mechanisms and processes, the post-evaluating mechanism, the risk controlling mechanisms, and the team-building of innovative culture mechanism And then, the specific innovative ideas and programs are proposed for the actual situation of business development of 2011. It is further pointed out that the innovative financing products must be designed for different period of development of different financial instruments so that the financing program "one family, one policy" can be formulated which can solve effectively the financing difficulties for SMEs and offer a helping hand for the development of SMEs in real sense.The thesis has the faith that the Jilin Branch of BC will be fully capable of providing the main service for SMEs in Jilin Province through continuous efforts and explorations in future and SMEs will become one of the supporting service objects for the future business growth.更多还原