文档介绍：首都经济贸易大学
硕士学位论文
“信贷工厂”模式下支持中小企业融资策略研究
姓名:张卫卫
申请学位级别:硕士
专业:金融学
指导教师:蒋三庚
20100301
摘要

中小企业融资瓶颈一直是长期困扰我国经济的发展的问题之一,尤其在经济危机
大背景下,中小企业发展面临严重困境,为了有效解决该问题,我国国内银行开展了
一种中小企业融资新模式——“信贷工厂”的实践。通过借鉴新加坡淡马锡的新模式,
将流程化银行、标准化信贷产品和批量化生产中小企业金融产品的“信贷工厂”引入
国内。本论文主要采用归纳演绎的方法,从“信贷工厂”的理论出发,通过国内银行
实践该模式的成效,研究该模式在我国国内发展面临的机遇和挑战,得出了“信贷工
厂”模式和中小企业自身特点具有很强的融合性的结论,并在此基础上探索该模式在
国内的适用性。“信贷工厂”模式的成功试点标志着大银行能通过自身战略的调整成
功开展中小企业融资业务,本论文独创性的将银行授信中小企业新模式的理论、实践
和成效深入分析,并对国家的政策支持提出建议。通过政府、银行、企业三方的共同
努力,中小企业融资难的问题会逐步得到解决。

主题词:
“信贷工厂”模式中小企业融资融资瓶颈标准化信贷产品流程化银行

I
Abstract

One of the long-term factors that are adversely affecting the development of our
economy is the bottleneck in SMCs’ financing. Under the world economic crisis
background, many SMCs facing server development problem, in order to have a
harmonious development on our economy, many domestic banks have adopted a new
financing model “credit factory” model to solve the bottleneck problem existed in SMCs
financing. The new adopted model originated from Temasek of Singapore, it aimed to
produce modities in a standard and massive way to reduce the cost of each
commodity. This paper carried out in a inductive and deductive way to analyze the real
effect of the domestic experiment. The next emphasize is the opportunities and challenges
that might be turned up in the conduction of “Credit factory” model. Then what is the
general application effect of this model will be on the basis of the real connection of this
model and the unique characteristic of SMCs. “Credit factory” is a benchmark for the
large-sized bank to undertake SMCs activities, this paper make obvious innovation on the
topic, theory, practice as well as effect on the application of “Credit factory” model. This
paper also gives some suggestions on the government policy to provide essential aid to the
banking industry. If the domestic banks, government and enterprises go head