湖北省中小型企业贷款业务的发展现状及对策研究

湖北省中小型企业贷款业务的发展现状及对策研究(论文7500字)
摘 要
改革开放以来，我国中小型企业在国家的政策扶持下取得了良好的发展，中小型企业作为国民经济发展的重要组成部分，不仅在推动经济发展、增加税收、推进技术创新等方面发挥着日益重要的作用，还在吸纳劳动力、维护社会稳定等方面作出了积极贡献。中小型企业的蓬勃发展是后金融危机时代经济复苏的有力保障，也是湖北省实现中部地区崛起战略的支柱力量。然而融资难问题已经成为困扰我国中小型企业发展的主要原因，在湖北地区尤为严重。
随着市场经济的发展以及中小型企业的发展，我国商业银行将中小企业的信贷业务作为重要的发展领域。中小企业信贷风险管理的加强，一方面影响着银行的竞争力，而另一方面也影响着银行资产的安全。由于中小企业信贷业务的日益增多，我们相继出台了不少与之对应的政策以及机制，但是就目前来说从商业银行去分析中小企业信贷的还比较少。综上所述，本文从湖北省中小型企业贷款发展现状，经济下行压力下商业银行对中小型企业贷款的问题进行分析研究。
关键词：中小型企业；经济发展；融资

Research on the development status and Countermeasures of SME loan business in Hubei Province [来源：http://www.think58.com]

Abstract
Since the reform and opening up, the small and medium enterprises in our country have made good development under the support of the state policy. As an important part of the national economic development, small and medium enterprises are playing an increasingly important role not only in promoting economic development, increasing tax revenue and promoting technological innovation, but also in absorbing labor and maintaining society. We have made positive contributions to the stability and so on. the vigorous development of small and medium-sized enterprises is a powerful guarantee for economic recovery in the post financial crisis era, and also a pillar force for Hubei to achieve the central region's rising strategy. However, the difficulty of financing has become the main reason for the development of small and medium-sized enterprises in China, especially in Hubei.
With the development of market economy and the development of small and medium-sized enterprises, China's commercial banks regard SME's credit business as an important field of development. The strengthening of SME credit risk management, on the one hand, affects the competitiveness of banks, and on the other hand, it also affects the safety of bank assets. Because of the increasing credit business of small and medium-sized enterprises, we have issued a number of corresponding policies and mechanisms, but at present, it is still relatively small to analyze the credit of small and medium-sized enterprises from commercial banks. This paper analyzes the loan management problems of small and medium enterprises in Hubei Province under the downward pressure of the economy. [来源：http://think58.com]

Keywords：Small and medium enterprises; economic development; financing

目     录
摘 要    1
引言    3
一、 湖北省中小型企业贷款的发展现状    3
（一） 市场竞争力较低    3
（二） 企业贷款信用度较低    3
（三） 企业融资难，金融支持不足    4
（四） 贷款次数频繁且数目少    4
二、 目前影响商业银行对中小型企业发放贷款的因素    5
（一） 政府金融体制不够完善，政府扶持力度不够    5
（二） 企业自身存在的问题    5
（三） 市场风险大，企业倒闭率高    6
三、 解决企业贷款融资问题方案    7
（一） 政府方面：加大扶持，促进中小企业市场经济建设发展良好局面    7
（二） 企业方面：完善自身体系，确立主体意识    9
结论    10
参考文献    10 [来源：http://www.think58.com]