文档介绍：对外经济贸易大学
硕士学位论文
我国商业银行中小企业信贷支持策略研究
姓名:高鲁飞
申请学位级别:硕士
专业:金融学
指导教师:杜奇华
2010-11
摘要
从世界各国的经验来看,目前,中小企业凭借其灵活机动的经营特点,在扩
大就业、技术革新、服务大众等方面起到了大企业无法替代的角色,从而在各国
和地区的经济结构中都占有相当重要的地位。改革开放以来,我国中小企业已成
为推动我国国民经济持续、稳定增长的新生力量。根据我国工商行政部门的不完
全统计,目前已注册的中小企业已超过 1000 万家,占全部注册企业的 99%,随着
其数量激增,政府逐渐重视对中小企业的政策扶持和保护,中小企业的经营环境
总体上是有所改善的。然而,中小企业发展一直面临的一个普遍的、关键的制约
因素就是信贷融资难问题,这不仅与中小企业自身缺陷有关,也和我国商业银行
的种种信贷约束制度有关。因此,讨论我国商业银行中小企业信贷支持策略,不
仅具有解决当前中小企业信贷融资困境的现实意义,也对商业银行在银行业市场
完全开放后同业竞争激烈的形势下进行业务结构调整具有战略意义。
本文在规范分析法和实证分析法的基础上,首先,对中小企业信贷相关理论
研究进行简要的阐述;然后,通过描述我国商业银行中小企业信贷支持困境,并
结合商业银行、中小企业和社会环境多方面总结分析信贷支持不利的原因所在。
最后,本文从树立支持理念、完善中小企业信贷组织体系、建立高效信贷管理体
制、健全风险管理体系、政府支持及业务创新推动等多个角度,构建出了商业银
行中小企业信贷支持发展策略的基本框架,力图实现既能化解当前制约中小企业
蓬勃发展的银行信贷难问题,又能实现控制商业银行信贷风险、开拓业务蓝海、
银企共赢的战略目标。

关键词:商业银行,中小企业,信贷支持,策略
Abstract
Based on global experiences, SMEs(Small-and-medium-sized enterprises) are
playing the vital role that big-sized enterprises can not play in areas such as job
enlargement、technical innovations and social services etc by means of its flexible
operational characteristics. Thereby, it has made such enormous impact on the
economic structure of the world.
Since the reform and opening policy, Chinese SMEs has e the new-born
force to promote the development of national economy with sustaining and steady
momentum. According to the plete statistics of Chinese industrial and
commercial administration, the registered SMEs have been greater in number than 10
millions, and account for 90% of total registered enterprises. With its numbers
increasing sharply, the government gradually attaches importance to the support and
protection policy for SMEs. The business environments of SMEs, in general, have
been improved. However, SMEs have always faced the financing problem like a
common and key restraint which is in connection with not only the drawback of SMEs
but also the credit restraint of mercial bank. Therefore, the discussion on the
strategy in credit