包商银行信贷技术研究

二〇一二年六月本科毕业论文题目：包商银行信贷技术研究学生姓名：杨森茗学院：管理学院系别：会计系专业：财务管理班级：财管08-2班指导教师：长青教授学校代码：10128学号：200830712034内蒙古工业大学本科毕业论文摘要目前，我国微小企业正在蓬勃发展，国家在法律法规上做出相应调整，为微小企业贷款提供了更加宽广的平台，相对宽松的政策以及法律环境，加大了对微小企业的扶持力度。同时我国银监会也积极鼓励商业银行转变发展战略，根据各行的实际情况，积极主动的开展微小企业贷款业务。我国国家开发银行通过与世界银行，德国复兴信贷银行等金融机构的密切交往，通过各种方式支持我国金融机构大力发展微小企业贷款业务，并且指导它们进入微小企业贷款领域以此促进我国国民经济的发展，支援国家经济建设。由于国家政策的大力支持以及学习引进了国外先进的微小企业的贷款技术，解决我国微小企业融资难的痼疾已经不是没有可能，我坚信微小企业势必会迎来融资的曙光，迎来发展的春天。由于微小企业是我国就业的主要渠道，所以研究微小企业的发展就更加具有现实的意义，我国微小企业面临的最普遍的问题就是融资困难的问题，无论从外部融资还是内部融资来说，由于微小企业发展不成熟，没有完善的财务体系，贷款成本相对较高，风险大，收益小，担保能力相对较弱，所以我国大型股份制银行对于这些微小企业往往不够重视，而其他支持微小企业的银行又少之又少，远远不能满足微小企业发展的需要。所以本文以包商银行为例，因为其最早引入德国IPC信贷技术，对于微小信贷领域具有足够的经验以及成熟的技术。本文着重介绍微小企业以及我国微小企业所面临的困境，以包商银行为例运用新的技术新的方式解决我国微小企业融资难的问题，并且对于未来商业银行支持微小企业发展的战略有一些合理化的建议以及其在危急中所面对的挑战有新的认识。关键词：IPC信贷；微小企业；融资；包商银行内蒙古工业大学本科毕业论文AbstractAtpresent,ourcountrysmallbusinessisbooming,thenationallawsandregulationstomakethecorrespondingadjustment,smallbusinessloanstoprovideamorebroadplatform,therelativelyrelaxedpolicyandlegalenvironment,andincreaseofsmallbusinessesgiveaidtostrength.AtthesametimeChinaCBRCalsoactivelyencouragecommercialbankstochangedevelopmentstrategy,accordingtotheactualsituation,activelycarryoutsmallenterpriseloanbusiness.China'sNationalDevelopmentBankwiththeworldbank,theGermanKfWbankandotherfinancialinstitutionsinclosecontact,throughavarietyofwaystosupportChina'sfinancialinstitutionstodevelopsmallbusinessloanbusiness,andguidingthemintothemicroenterpriseloanareassoastopromotethedevelopmentofournationaleconomy,supportnationaleconomicconstruction.Asthenationalpolicysupportaswellasthestudyoftheintroductionofforeignadvancedmicroenterpriseloantechnology,solveourcountrysmallbusinessfinancingproblemalreadynotimpossible,Ifirmlybelievethatthesmallenterpriseswillusherinthedawnoffinancing,greetsthespringofdevelopment.BecauseofsmallenterprisesinChinaisthemainchannelofobtainemployment,sothestudyofmicroenterprisedevelopmentithasmuchpracticalsignificance,China'ssmallenterprisesarefacingthemostcommonproblemisthefinancingdifficultyoftheproblem,eitherfromexternalorinternalfinancing,financing,becausethesmallenterprisedevelopmentisimmature,notperfectfinancialsystem,thecostofloansrelativelyhigh,riskisbig,smallgains,guaranteecapabilityisrelativelyweak,soourcountrylarge-scalejoint-stockbankforthesesmallandmicrobusinessesareoftennotenoughattention,andothersupportingsmallandmicrobusinessesofthebankislessandless,cannotmeettheneedofthedevelopmentofsmallenterprises.Sothispapertopackcommercialbankasanexample,becauseitsfirstintroducedintotheGermanIPCcredittechnologyformicrocredit,hasenoughexperienceandmaturetechnology.ThispaperfocusesonsmallenterprisesandChina'ssmallenterprisesarefacingdifficulties,inordertosubcontractorbankasanexampleusingthenewtechnologyandnewwaystosolveChina'ssmallenterprisefinancingdifficultproblem,andforthefutureofcommercialbankstosupportsmallenterprises内蒙古工业大学本科毕业论文developmentstrategyhassomereasonablesuggestionsandthecrisisfacingthechallengesanewunderstandingof.Keywords:IPCcredit;Smallenterprise;Financing;Contractorbank内蒙古工业大学本科毕业论文目录引言..............................................................1第一章绪论......................................................21.1选题背景.........................................................................................................21.2选题的意义及目的........................................................................................31.3本文研究的方法及思路.................................................................................31.4本文论文框架.................................................................................................4第二章微小企业以及包商银行的背景资料..............................62.1微小企业的概念............................................................................................62.2微小企业的特征及其意义与价值................................................................72.3微小企业面临的困境....................................................................................82.4包商银行的背景资料....................................................................................92.4.1包商银行的概况.................................................................................92.4.2包商银行的组织框架.........................................................................92.4.3包商银行的品牌文化.........................................................................92.4.4包商银行的主要产品.......................................................................10第三章关于包商银行微小信贷技术的理解与分析......................113.1包商银行微小信贷技术的分析..................................................................113.1.1降低贷款人风险...............................................................................113.1.2重分析，轻抵押...............................................................................123.1.3交叉检验分析...................................................................................133.1.4严格的控制程序...............................................................................133.1.5胡萝卜加大棒的激励机制...............................................................143.2包商银行微小信贷技术的优势...................